# EDGAR Filing Document

**Accession Number:** 0002083697
**File Stem:** 0001104659-25-105000
**Filing Date:** 2025-10
**Character Count:** 5226964
**Document Hash:** fa61bc015615badda01f8557708c92ba
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001104659-25-105000.hdr.sgml**: 20251031

**ACCESSION NUMBER**: 0001104659-25-105000

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

**PUBLIC DOCUMENT COUNT**: 51

**CONFORMED PERIOD OF REPORT**: 20251031

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

**FILED AS OF DATE**: 20251031

**DATE AS OF CHANGE**: 20251031

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** VMC Asset Depositor III, LLC
- **CENTRAL INDEX KEY:** 0002083697

**ORGANIZATION NAME:**
- **EIN:** 393805465
- **STATE OF INCORPORATION:** DC
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-07921
- **FILM NUMBER:** 251441360

**BUSINESS ADDRESS:**
- **STREET 1:** 2001 M STREET NW
- **STREET 2:** SUITE 300
- **CITY:** WASHINGTON
- **STATE:** DC
- **ZIP:** 20036
- **BUSINESS PHONE:** (202) 534-1815

**MAIL ADDRESS:**
- **STREET 1:** 2001 M STREET NW
- **STREET 2:** SUITE 300
- **CITY:** WASHINGTON
- **STATE:** DC
- **ZIP:** 20036
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** VMC Asset Depositor III, LLC
- **CENTRAL INDEX KEY:** 0002083697

**ORGANIZATION NAME:**
- **EIN:** 393805465
- **STATE OF INCORPORATION:** DC
- **FISCAL YEAR END:** 1231

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

**BUSINESS ADDRESS:**
- **STREET 1:** 2001 M STREET NW
- **STREET 2:** SUITE 300
- **CITY:** WASHINGTON
- **STATE:** DC
- **ZIP:** 20036
- **BUSINESS PHONE:** (202) 534-1815

**MAIL ADDRESS:**
- **STREET 1:** 2001 M STREET NW
- **STREET 2:** SUITE 300
- **CITY:** WASHINGTON
- **STATE:** DC
- **ZIP:** 20036
**SECURITIZER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** VMC Asset Depositor III, LLC
- **CENTRAL INDEX KEY:** 0002083697

**ORGANIZATION NAME:**
- **EIN:** 393805465
- **STATE OF INCORPORATION:** DC
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-07921

**BUSINESS ADDRESS:**
- **STREET 1:** 2001 M STREET NW
- **STREET 2:** SUITE 300
- **CITY:** WASHINGTON
- **STATE:** DC
- **ZIP:** 20036
- **BUSINESS PHONE:** (202) 534-1815

**MAIL ADDRESS:**
- **STREET 1:** 2001 M STREET NW
- **STREET 2:** SUITE 300
- **CITY:** WASHINGTON
- **STATE:** DC
- **ZIP:** 20036

**UNITED STATES**

**SECURITIES AND EXCHANGE COMMISSION**

**Washington, D.C. 20549**

**FORM ABS-15G**

**ASSET-BACKED SECURITIZER**

**REPORT PURSUANT TO SECTION 15G OF**

**THE SECURITIES EXCHANGE ACT OF 1934**

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

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

___________________ to ___________________

Date of Report (Date of earliest event reported) __________________________

Commission File Number of securitizer: __________________________

Central Index Key Number of securitizer: __________________________

  <br> Name and telephone number, including area code, of the person to <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 depositor: 0002083697

&nbsp;&nbsp;**Verus Securitization Trust 2025-11**

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

Central Index Key Number of issuing entity (if applicable): Not applicable

Central Index Key Number of underwriter (if applicable): Not applicable

---

| |
|:---|
| Danny Rosenberg |
| (202) 534-1815 |
| Name and telephone number, including area code, of the person to |
| contact in connection with this filing |

---

**PART I:** **REPRESENTATION AND WARRANTY INFORMATION**

**Item 1.01 Initial Filing of Rule 15Ga-1 Representations and Warranties Disclosure** 

N/A

**Item 1.02 Periodic Filing of Rule 15Ga-1 Representations and Warranties Disclosure** 

N/A

**Item 1.03 Notice of Termination of Duty to File Reports under Rule 15Ga-1** 

N/A

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

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

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

**Item 2.02 Findings and Conclusions of a Third-Party Due Diligence Report Obtained by the Underwriter**

N/A

**EXHIBIT INDEX**

---

| | |
|:---|:---|
| [99.1](tm2529922d1_ex99-1.htm) | [AMC Diligence, LLC ("AMC") Due Diligence Executive Summary](tm2529922d1_ex99-1.htm) |
| [99.2](tm2529922d1_ex99-2.htm) | [AMC Data Compare Report](tm2529922d1_ex99-2.htm) |
| [99.3](tm2529922d1_ex99-3.htm) | [AMC Exception Grades](tm2529922d1_ex99-3.htm) |
| [99.4](tm2529922d1_ex99-4.htm) | [AMC Rating Agency Grades](tm2529922d1_ex99-4.htm) |
| [99.5](tm2529922d1_ex99-5.htm) | [AMC QM-ATR Diligence Report](tm2529922d1_ex99-5.htm) |
| [99.6](tm2529922d1_ex99-6.htm) | [AMC Valuation Report](tm2529922d1_ex99-6.htm) |
| [99.7](tm2529922d1_ex99-7.htm) | [AMC Supplemental Data](tm2529922d1_ex99-7.htm) |
| [99.8](tm2529922d1_ex99-8.htm) | [AMC Tax and Title Report](tm2529922d1_ex99-8.htm) |
| [99.9](tm2529922d1_ex99-9.htm) | [Canopy Financial Technology Partners, LLC ("Canopy") Narrative](tm2529922d1_ex99-9.htm) |
| [99.10](tm2529922d1_ex99-10.htm) | [Canopy Exceptions Report](tm2529922d1_ex99-10.htm) |
| [99.11](tm2529922d1_ex99-11.htm) | [Canopy Rating Agency Grades](tm2529922d1_ex99-11.htm) |
| [99.12](tm2529922d1_ex99-12.htm) | [Canopy Data Compare](tm2529922d1_ex99-12.htm) |
| [99.13](tm2529922d1_ex99-13.htm) | [Canopy ATR QM Report](tm2529922d1_ex99-13.htm) |
| [99.14](tm2529922d1_ex99-14.htm) | [Canopy Valuation Report](tm2529922d1_ex99-14.htm) |
| [99.15](tm2529922d1_ex99-15.htm) | [Clarifii LLC ("Clarifii") Executive Summary](tm2529922d1_ex99-15.htm) |
| [99.16](tm2529922d1_ex99-16.htm) | [Clarifii Rating Agency Grades Detail Report](tm2529922d1_ex99-16.htm) |
| [99.17](tm2529922d1_ex99-17.htm) | [Clarifii Rating Agency Grades Summary Report](tm2529922d1_ex99-17.htm) |
| [99.18](tm2529922d1_ex99-18.htm) | [Clarifii Data Compare Report](tm2529922d1_ex99-18.htm) |
| [99.19](tm2529922d1_ex99-19.htm) | [Clarifii ATR QM Report](tm2529922d1_ex99-19.htm) |
| [99.20](tm2529922d1_ex99-20.htm) | [Clarifii Valuation Report](tm2529922d1_ex99-20.htm) |
| [99.21](tm2529922d1_ex99-21.htm) | [Clarifii Multi Property Valuation Report](tm2529922d1_ex99-21.htm) |
| [99.22](tm2529922d1_ex99-22.htm) | [Selene Diligence LLC ("Selene") Due Diligence Review Narrative](tm2529922d1_ex99-22.htm) |
| [99.23](tm2529922d1_ex99-23.htm) | [Selene Rating Agency Grades Detail Report](tm2529922d1_ex99-23.htm) |
| [99.24](tm2529922d1_ex99-24.htm) | [Selene Rating Agency Grades Report](tm2529922d1_ex99-24.htm) |
| [99.25](tm2529922d1_ex99-25.htm) | [Selene Data Compare Report](tm2529922d1_ex99-25.htm) |
| [99.26](tm2529922d1_ex99-26.htm) | [Selene ATR QM Detail](tm2529922d1_ex99-26.htm) |
| [99.27](tm2529922d1_ex99-27.htm) | [Selene Valuations Report](tm2529922d1_ex99-27.htm) |
| [99.28](tm2529922d1_ex99-28.htm) | [Evolve Mortgage Services, LLC ("Evolve") Executive Summary](tm2529922d1_ex99-28.htm) |
| [99.29](tm2529922d1_ex99-29.htm) | [Evolve Exception Detail](tm2529922d1_ex99-29.htm) |
| [99.30](tm2529922d1_ex99-30.htm) | [Evolve Data Compare](tm2529922d1_ex99-30.htm) |
| [99.31](tm2529922d1_ex99-31.htm) | [Evolve QM ATR Data](tm2529922d1_ex99-31.htm) |
| [99.32](tm2529922d1_ex99-32.htm) | [Evolve Rating Agency Grades](tm2529922d1_ex99-32.htm) |
| [99.33](tm2529922d1_ex99-33.htm) | [Evolve Valuation Report](tm2529922d1_ex99-33.htm) |
| [99.34](tm2529922d1_ex99-34.htm) | [Consolidated Analytics, Inc. ("Consolidated Analytics") Executive Summary](tm2529922d1_ex99-34.htm) |
| [99.35](tm2529922d1_ex99-35.htm) | [Consolidated Analytics Exception Grades Report](tm2529922d1_ex99-35.htm) |
| [99.36](tm2529922d1_ex99-36.htm) | [Consolidated Analytics Data Compare Report](tm2529922d1_ex99-36.htm) |
| [99.37](tm2529922d1_ex99-37.htm) | [Consolidated Analytics Grading Summary Report](tm2529922d1_ex99-37.htm) |
| [99.38](tm2529922d1_ex99-38.htm) | [Consolidated Analytics ATR QM Report](tm2529922d1_ex99-38.htm) |
| [99.39](tm2529922d1_ex99-39.htm) | [Consolidated Analytics Valuations Summary Report](tm2529922d1_ex99-39.htm) |
| [99.40](tm2529922d1_ex99-40.htm) | [Consolidated Analytics Multi Property Valuation Report](tm2529922d1_ex99-40.htm) |

---

**SIGNATURE**

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.

Date: October 31, 2025

---

| | | |
|:---|:---|:---|
| VMC ASSET DEPOSITOR III, LLC | VMC ASSET DEPOSITOR III, LLC | VMC ASSET DEPOSITOR III, LLC |
| By: | /s/ Danny Rosenberg | /s/ Danny Rosenberg |
|  | Name: | Danny Rosenberg |
|  | Title: | Chief Financial Officer |

---

## Exhibit 99.1

**EXHIBIT 99.1** 

**AMC Diligence, LLC ("AMC") Due Diligence Executive Summary**

![](tm2529922d1_ex99-1img001.jpg)

**EXECUTIVE SUMMARY**

**DESCRIPTION OF SERVICES**

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

AMC Diligence, LLC ("AMC" or "SitusAMC") performed the due diligence services described below (the "Review") on residential Loans (as defined in (2) below) originated by multiple correspondent lenders and acquired directly (or indirectly through Delaware statutory trusts) on a flow or mini-bulk basis by VMC Asset Pooler, LLC, or its affiliates (the "Client") through mortgage loan files reviewed on behalf of such parties or with results conveyed from another party to the Client via reliance letter. The Review, which includes reliance letter Loans the time of an initial review performed for such party, was conducted from March 2024 through October 2025 on Loans with origination dates from February 2024 through September 2025 via files imaged and provided by the Client for review. The Review includes Loans that were reviewed both (i) directly for an affiliate of the Client and (ii) for correspondents with results conveyed to an affiliate of the Client by a reliance letter.

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

The final population of the Review contained five hundred forty-three (543) Loans totaling an aggregate original principal balance of approximately $280.328 million (the "Loans").

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

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

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

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

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Original Interest Rate |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Original Loan Amount |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;Original LTV |
| &nbsp;&nbsp;Appraisal Effective Date | &nbsp;&nbsp;Interest Only Period | &nbsp;&nbsp;Original P&I |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Interest Rate Life Cap | &nbsp;&nbsp;Original Term |
| &nbsp;&nbsp;Borrower Citizenship | &nbsp;&nbsp;Interest Rate Life Floor | &nbsp;&nbsp;Prepayment Penalty Period (months) |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;Investor: Qualifying Housing Ratio | &nbsp;&nbsp;Product Description |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Purpose |
| &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;Refi Purpose |
| &nbsp;&nbsp;Cash From Borrower | &nbsp;&nbsp;Margin | &nbsp;&nbsp;Representative FICO |
| &nbsp;&nbsp;Cash To Borrower | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;State |
| &nbsp;&nbsp;City | &nbsp;&nbsp;MERS Min Number | &nbsp;&nbsp;Street |
| &nbsp;&nbsp;Coborrower Citizenship | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Subject Debt Service Coverage Ratio |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Zip |
| &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;Original CLTV |  |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;Original HLTV |  |

---

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

1 \| P a g e

![](tm2529922d1_ex99-1img001.jpg)

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

Of specific note, there were two hundred eighty-seven (287) Loans where the income was verified, and a DTI was calculated within Credit and Compliance Scope. The Client's program allowed for income documentation to be provided via bank statements, CPA letters and P&Ls. Within this securitization, fourteen (14) Loans utilized twenty-four (24) or more months of bank statements, one hundred thirteen (113) Loans utilized twelve (12) through twenty-three (23) months of bank statements, five (5) Loans utilized twenty-four (24) or more months of P&L income, and sixty (60) Loans utilized twelve (12) months of P&L income. There were ten (10) Loans that were considered asset depletion loans. The rest of the Loans were underwritten to tax returns, W-2s, 1099s or traditional methods of documentation with eleven (11) Loans only having 12 months of income verification.

There were two hundred fifty-six (256) Loans that were considered Business Purpose/Property Focused Investor Loans. One hundred sixty-nine (169) Loans were Property Focused Loans with DSCR calculation. The remaining eighty-seven (87) Loans were considered Property Focused Loans with no DSCR calculation.

**<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.

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![](tm2529922d1_ex99-1img001.jpg)

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

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

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

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

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).

3 \| P a g e

![](tm2529922d1_ex99-1img001.jpg)

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

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

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

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

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

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

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

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

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

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 |  |

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**(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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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:

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty threshold test; and

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

 

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*<u>Qualified Mortgage</u>*

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

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

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

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

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For the loans determined to be Safe Harbor QM (APOR), in the event the lender provided a Verification Safe Harbor, ("VSH") indicator of "Yes" on the loans, that would be reflected as such in the reports. In the event the lender provided a VSH indicator of "No" on the loans that would be reflected in the reports. In the event the lender did not provide a VSH indicator on the loans, the loans would be identified as "Not Stated" in the reports.

\* Note, for loans in which the lender provided the VSH indicator, AMC captured it, but did not verify the VSH indicator.

Notwithstanding the above, for loans with the variance evaluation of VSH performed by AMC on QM (APOR) loans, the Lender provided a VSH Indicator of "Yes". The VSH indicator was provided within the loan images, on the data tape, deal notes, or as part of the loan program/guidelines being originated to. The loan guidelines utilized one of the specified GSE June 2020 guidelines to meet VSH. In the event the lender identified the loan to have VSH status, then AMC reviewed to identify documentation variances that would cause one to question the VSH attestation from the lender. If variances were identified, then the loan would not be identified by AMC to meet the VSH documentation requirements under either the Fannie Mae guidelines or under the Freddie Mac guidelines. The results of the variance analysis are reflected in the reports.

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

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

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

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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> 

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

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

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

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

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

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

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

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

**(X) Recording Review**

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

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

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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):

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ 4506T;

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Appraisal;

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final 1003;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Note;

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final TIL;

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

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

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

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

**<u>Title Review</u>**

As requested by the Client, a title review was included in AMC's scope of review. To facilitate this review, the Client provided AMC with identifying data on the population of mortgage loans. Data provided by the client, included mortgage loan and servicer identification numbers as well as subject property address, borrower names, origination date, original mortgage loan amount for the subject mortgage and title policies from origination as it relates to the subject mortgage. Using the data provided, AMC ordered a current owner's title search on these mortgage loans through a service provider. Upon receipt and review of the current owner's title search results, AMC identified whether the subject mortgage was of record, whether any deed vesting concerns of substance were present, and whether the title search report revealed any liens and/or judgments which could affect the seniority of the subject mortgage, including potentially superior post origination liens and/or judgments such as Property Tax Liens, Municipal Liens, and Association Super Liens. AMC reviewed the title policies for all liens and/or judgments that were recorded before the recordation of the subject mortgage to determine if any identifiable liens and/or judgments were listed as an exception on schedule B of the applicable title policies.

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

**(9) Disclaimer.**

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

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

**SUMMARY OF FINDINGS AND CONCLUSIONS** 

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

**OVERALL REVIEW RESULTS SUMMARY**

Of the five hundred forty-three (543) Loans reviewed under the applicable grading criteria, five hundred forty-two (542) Loans or (99.82%) received an overall "A" or "B" grade, and one (1) Loan (0.18%) received a "C" grade because of TRID/Compliance exceptions.

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---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall Loan Grades** | &nbsp;&nbsp;**Overall Loan Grades** | &nbsp;&nbsp;**Overall Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of <br> Loans** | &nbsp;&nbsp;**% of <br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;355 | &nbsp;&nbsp;65.38% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;187 | &nbsp;&nbsp;34.44% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.18% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**543** | &nbsp;&nbsp;**100.00%** |

---

**COMPLIANCE RESULTS SUMMARY**

Of the two hundred eighty-seven (287) Loans reviewed for compliance under the applicable grading criteria, two hundred eighty-six (286) Loans or (99.65%) received an "A" or "B" compliance grade, and one (1) Loan (0.35%) received a "C" grade because of TRID/Compliance exceptions.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp; **Compliance Loan Grades** | &nbsp;&nbsp; **Compliance Loan Grades** | &nbsp;&nbsp; **Compliance Loan Grades** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of<br> Loans** | &nbsp;&nbsp;**% of <br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;196 | &nbsp;&nbsp;68.29% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;90 | &nbsp;&nbsp;31.36% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.35% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**287** | &nbsp;&nbsp;**100.00%** |

---

**CREDIT RESULTS SUMMARY**

All five hundred forty-three (543) Loans (100%) reviewed under the applicable grading criteria, 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;420 | &nbsp;&nbsp;77.35% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;123 | &nbsp;&nbsp;22.65% |
| &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;**543** | &nbsp;&nbsp;**100.00%** |

---

**PROPERTY/VALUATION RESULTS SUMMARY**

All five hundred forty-three (543) Loans (100%) reviewed under the applicable grading criteria, received an "A" or "B" 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;542 | &nbsp;&nbsp;99.82% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.18% |
| &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;**543** | &nbsp;&nbsp;**100.00%** |

---

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**EXCEPTION CATEGORY SUMMARY**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception<br> Type** | &nbsp;&nbsp;**Final<br> Exception <br> Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;C | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;C | &nbsp;&nbsp;***Total Compliance Grade (C) Exceptions:*** | &nbsp;&nbsp;***3*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;63 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Non-Required Data | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | &nbsp;&nbsp;14 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State Defect | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State HPML | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Required Data (other than HUD-1 or Note) | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Disclosure | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Federal HPML | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Misc. State Level | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Application Date | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Note | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ECOA | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing, Incorrect, or Incomplete Final or Initial 1003 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Federal Defect | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***145*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**148** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;89 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;24 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Credit | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Insurance | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Property - Appraisal | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower and Mortgage Eligibility | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Income / Employment | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Document | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Hazard Insurance | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;1003 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***151*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**151** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Property - Appraisal | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Property Grade (B) Exceptions:*** | &nbsp;&nbsp;***1*** |
| &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**1** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**300** |

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**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the five hundred forty-three (543) Loans reviewed, four hundred sixty-one (461) unique Loans had one thousand three hundred ninety-two (1,392) different tape discrepancies across forty-one (41) data fields (some Loans had more than one data delta). The largest variances were found on Original HLTV, Cash From Borrower and Cash To Borrower 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;**% Variance** | &nbsp;&nbsp;**# Of <br> Loans** |
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;4 | &nbsp;&nbsp;542 | &nbsp;&nbsp;0.74% | &nbsp;&nbsp;543 |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;21 | &nbsp;&nbsp;366 | &nbsp;&nbsp;5.74% | &nbsp;&nbsp;543 |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;537 | &nbsp;&nbsp;0.19% | &nbsp;&nbsp;543 |
| &nbsp;&nbsp;Appraisal Effective Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;543 |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;44 | &nbsp;&nbsp;370 | &nbsp;&nbsp;11.89% | &nbsp;&nbsp;543 |
| &nbsp;&nbsp;Borrower Citizenship | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;543 |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;9 | &nbsp;&nbsp;426 | &nbsp;&nbsp;2.11% | &nbsp;&nbsp;543 |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;20 | &nbsp;&nbsp;312 | &nbsp;&nbsp;6.41% | &nbsp;&nbsp;543 |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;120 | &nbsp;&nbsp;543 | &nbsp;&nbsp;22.10% | &nbsp;&nbsp;543 |
| &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;1 | &nbsp;&nbsp;273 | &nbsp;&nbsp;0.37% | &nbsp;&nbsp;543 |
| &nbsp;&nbsp;Cash From Borrower | &nbsp;&nbsp;212 | &nbsp;&nbsp;358 | &nbsp;&nbsp;59.22% | &nbsp;&nbsp;543 |
| &nbsp;&nbsp;Cash To Borrower | &nbsp;&nbsp;132 | &nbsp;&nbsp;154 | &nbsp;&nbsp;85.71% | &nbsp;&nbsp;543 |
| &nbsp;&nbsp;City | &nbsp;&nbsp;7 | &nbsp;&nbsp;543 | &nbsp;&nbsp;1.29% | &nbsp;&nbsp;543 |
| &nbsp;&nbsp;Coborrower Citizenship | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;543 |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;3 | &nbsp;&nbsp;17 | &nbsp;&nbsp;17.65% | &nbsp;&nbsp;543 |
| &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;4 | &nbsp;&nbsp;17 | &nbsp;&nbsp;23.53% | &nbsp;&nbsp;543 |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;9 | &nbsp;&nbsp;345 | &nbsp;&nbsp;2.61% | &nbsp;&nbsp;543 |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;183 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;543 |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;40 | &nbsp;&nbsp;213 | &nbsp;&nbsp;18.78% | &nbsp;&nbsp;543 |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;4 | &nbsp;&nbsp;531 | &nbsp;&nbsp;0.75% | &nbsp;&nbsp;543 |
| &nbsp;&nbsp;Interest Only Period | &nbsp;&nbsp;0 | &nbsp;&nbsp;21 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;543 |
| &nbsp;&nbsp;Interest Rate Life Cap | &nbsp;&nbsp;4 | &nbsp;&nbsp;69 | &nbsp;&nbsp;5.80% | &nbsp;&nbsp;543 |
| &nbsp;&nbsp;Interest Rate Life Floor | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;543 |
| &nbsp;&nbsp;Investor: Qualifying Housing Ratio | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;543 |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;91 | &nbsp;&nbsp;283 | &nbsp;&nbsp;32.16% | &nbsp;&nbsp;543 |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;2 | &nbsp;&nbsp;426 | &nbsp;&nbsp;0.47% | &nbsp;&nbsp;543 |
| &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;8 | &nbsp;&nbsp;174 | &nbsp;&nbsp;4.60% | &nbsp;&nbsp;543 |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;4 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;543 |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;3 | &nbsp;&nbsp;137 | &nbsp;&nbsp;2.19% | &nbsp;&nbsp;543 |
| &nbsp;&nbsp;MERS Min Number | &nbsp;&nbsp;3 | &nbsp;&nbsp;58 | &nbsp;&nbsp;5.17% | &nbsp;&nbsp;543 |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;17 | &nbsp;&nbsp;117 | &nbsp;&nbsp;14.53% | &nbsp;&nbsp;543 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;1 | &nbsp;&nbsp;543 | &nbsp;&nbsp;0.18% | &nbsp;&nbsp;543 |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;14 | &nbsp;&nbsp;421 | &nbsp;&nbsp;3.33% | &nbsp;&nbsp;543 |
| &nbsp;&nbsp;Original HLTV | &nbsp;&nbsp;336 | &nbsp;&nbsp;358 | &nbsp;&nbsp;93.85% | &nbsp;&nbsp;543 |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;6 | &nbsp;&nbsp;543 | &nbsp;&nbsp;1.10% | &nbsp;&nbsp;543 |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;10 | &nbsp;&nbsp;541 | &nbsp;&nbsp;1.85% | &nbsp;&nbsp;543 |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;13 | &nbsp;&nbsp;427 | &nbsp;&nbsp;3.04% | &nbsp;&nbsp;543 |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;1 | &nbsp;&nbsp;133 | &nbsp;&nbsp;0.75% | &nbsp;&nbsp;543 |
| &nbsp;&nbsp;Original Term | &nbsp;&nbsp;1 | &nbsp;&nbsp;531 | &nbsp;&nbsp;0.19% | &nbsp;&nbsp;543 |
| &nbsp;&nbsp;Prepayment Penalty Period (months) | &nbsp;&nbsp;2 | &nbsp;&nbsp;127 | &nbsp;&nbsp;1.57% | &nbsp;&nbsp;543 |
| &nbsp;&nbsp;Product Description | &nbsp;&nbsp;0 | &nbsp;&nbsp;358 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;543 |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;115 | &nbsp;&nbsp;535 | &nbsp;&nbsp;21.50% | &nbsp;&nbsp;543 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;2 | &nbsp;&nbsp;543 | &nbsp;&nbsp;0.37% | &nbsp;&nbsp;543 |
| &nbsp;&nbsp;Refi Purpose | &nbsp;&nbsp;3 | &nbsp;&nbsp;152 | &nbsp;&nbsp;1.97% | &nbsp;&nbsp;543 |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;52 | &nbsp;&nbsp;539 | &nbsp;&nbsp;9.65% | &nbsp;&nbsp;543 |
| &nbsp;&nbsp;State | &nbsp;&nbsp;0 | &nbsp;&nbsp;543 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;543 |
| &nbsp;&nbsp;Street | &nbsp;&nbsp;25 | &nbsp;&nbsp;543 | &nbsp;&nbsp;4.60% | &nbsp;&nbsp;543 |
| &nbsp;&nbsp;Subject Debt Service Coverage Ratio | &nbsp;&nbsp;34 | &nbsp;&nbsp;146 | &nbsp;&nbsp;23.29% | &nbsp;&nbsp;543 |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;11 | &nbsp;&nbsp;543 | &nbsp;&nbsp;2.03% | &nbsp;&nbsp;543 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1392** | &nbsp;&nbsp;**14567** | &nbsp;&nbsp;**9.56%** | &nbsp;&nbsp;**543** |

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**SitusAMC TITLE REVIEW SUMMARY (26 Mortgage Loans)**

As part of the due diligence services, the Client provided SitusAMC with identifying data on twenty-six (26) Loans. Based on the scope of review set forth herein, the critical findings are summarized as follows:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· There are no potential issues concerning origination deed vesting.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· No unresolved Super Position HOA Liens recorded after the subject mortgage
which were entitled to limited or full lien priority over the subject mortgage were identified.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· No unresolved Municipal Liens which had limited or full lien priority over
the subject mortgage were located.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· No unresolved Property Tax Liens which had limited or full lien priority
over the subject mortgage were located.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· All Prior Liens identified in our review have been resolved.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· All Prior Mortgages identified in our review have been resolved.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· As to any Miscellaneous Items of substance, the items in this category typically
defy standard categorization or summarization and are individually detailed.

**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;537 | &nbsp;&nbsp;98.90% | &nbsp;&nbsp;$274812967.00 | &nbsp;&nbsp;98.03% |
| &nbsp;&nbsp;Adjustable | &nbsp;&nbsp;6 | &nbsp;&nbsp;1.10% | &nbsp;&nbsp;$5514825.00 | &nbsp;&nbsp;1.97% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**543** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$280327792.00** | &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;517 | &nbsp;&nbsp;95.21% | &nbsp;&nbsp;$274396403.00 | &nbsp;&nbsp;97.88% |
| &nbsp;&nbsp;2 | &nbsp;&nbsp;26 | &nbsp;&nbsp;4.79% | &nbsp;&nbsp;$5931389.00 | &nbsp;&nbsp;2.12% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**543** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$280327792.00** | &nbsp;&nbsp;**100.00%** |

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| | | | | |
|:---|:---|:---|:---|:---|
| &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;232 | &nbsp;&nbsp;42.73% | &nbsp;&nbsp;$110232859.00 | &nbsp;&nbsp;39.32% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;63 | &nbsp;&nbsp;11.60% | &nbsp;&nbsp;$34466374.00 | &nbsp;&nbsp;12.30% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;221 | &nbsp;&nbsp;40.70% | &nbsp;&nbsp;$118607959.00 | &nbsp;&nbsp;42.31% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;27 | &nbsp;&nbsp;4.97% | &nbsp;&nbsp;$17020600.00 | &nbsp;&nbsp;6.07% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**543** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$280327792.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;0-120 Months | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.37% | &nbsp;&nbsp;$340000.00 | &nbsp;&nbsp;0.12% |
| &nbsp;&nbsp;121-180 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.18% | &nbsp;&nbsp;$103070.00 | &nbsp;&nbsp;0.04% |
| &nbsp;&nbsp;181-240 Months | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.37% | &nbsp;&nbsp;$130000.00 | &nbsp;&nbsp;0.05% |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;535 | &nbsp;&nbsp;98.53% | &nbsp;&nbsp;$277868722.00 | &nbsp;&nbsp;99.12% |
| &nbsp;&nbsp;361+ Months | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.55% | &nbsp;&nbsp;$1886000.00 | &nbsp;&nbsp;0.67% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**543** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$280327792.00** | &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;276 | &nbsp;&nbsp;50.83% | &nbsp;&nbsp;$148065248.00 | &nbsp;&nbsp;52.82% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;49 | &nbsp;&nbsp;9.02% | &nbsp;&nbsp;$18965557.00 | &nbsp;&nbsp;6.77% |
| &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;19 | &nbsp;&nbsp;3.50% | &nbsp;&nbsp;$11562029.00 | &nbsp;&nbsp;4.12% |
| &nbsp;&nbsp;Condotel | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.55% | &nbsp;&nbsp;$976770.00 | &nbsp;&nbsp;0.35% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;125 | &nbsp;&nbsp;23.02% | &nbsp;&nbsp;$69128093.00 | &nbsp;&nbsp;24.66% |
| &nbsp;&nbsp;1 Family Attached | &nbsp;&nbsp;10 | &nbsp;&nbsp;1.84% | &nbsp;&nbsp;$3009200.00 | &nbsp;&nbsp;1.07% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;34 | &nbsp;&nbsp;6.26% | &nbsp;&nbsp;$12800420.00 | &nbsp;&nbsp;4.57% |
| &nbsp;&nbsp;3 Family | &nbsp;&nbsp;12 | &nbsp;&nbsp;2.21% | &nbsp;&nbsp;$7694900.00 | &nbsp;&nbsp;2.74% |
| &nbsp;&nbsp;4 Family | &nbsp;&nbsp;15 | &nbsp;&nbsp;2.76% | &nbsp;&nbsp;$8125575.00 | &nbsp;&nbsp;2.90% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**543** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$280327792.00** | &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;209 | &nbsp;&nbsp;38.49% | &nbsp;&nbsp;$135708261.00 | &nbsp;&nbsp;48.41% |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;323 | &nbsp;&nbsp;59.48% | &nbsp;&nbsp;$139549752.00 | &nbsp;&nbsp;49.78% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;11 | &nbsp;&nbsp;2.03% | &nbsp;&nbsp;$5069779.00 | &nbsp;&nbsp;1.81% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**543** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$280327792.00** | &nbsp;&nbsp;**100.00%** |

---

17 \| P a g e

## Exhibit 99.2

**EXHIBIT 99.2**

**AMC Data Compare REPORT**

![](tm2529922d1_ex99-2img01.jpg)

**Data Compare**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** | **Comment** |
| xxxxxx | 806745 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 806745 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 806745 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 806745 | xxxxxx | Cash From Borrower | 0.00 | 40027.17 | Verified | Field value reflects source document |
| xxxxxx | 806745 | xxxxxx | Original HLTV | 0 | 85 | Verified | Field value reflects source document |
| xxxxxx | 831118 | xxxxxx | Cash From Borrower | 0.00 | 198425.42 | Verified | Field value reflects source document |
| xxxxxx | 831118 | xxxxxx | Investor: Qualifying Total Debt Ratio | 39 | 42.87743 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 831118 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 833509 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 833509 | xxxxxx | Cash To Borrower | 741200.64 | 741459.62 | Verified | Field value reflects source document |
| xxxxxx | 833509 | xxxxxx | Original HLTV | 0 | 49.34211 | Verified | Field value reflects source document |
| xxxxxx | 833728 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 833728 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 833728 | xxxxxx | Representative FICO | 786 | 734 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 833728 | xxxxxx | Cash To Borrower | 131144.00 | 179280.90 | Verified | Field value reflects source document |
| xxxxxx | 833728 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 833771 | xxxxxx | Cash To Borrower | 8113.88 | 29759.94 | Verified | Field value reflects source document |
| xxxxxx | 833771 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 834780 | xxxxxx | City | xxxxxx | xxxxxx | Verified | Field Value reflects City per Note |
| xxxxxx | 834780 | xxxxxx | Cash From Borrower | 0.00 | 168552.88 | Verified | Field value reflects source document |
| xxxxxx | 834780 | xxxxxx | Original HLTV | 0 | 68.53933 | Verified | Field value reflects source document |
| xxxxxx | 836709 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 836709 | xxxxxx | Cash To Borrower | 0.00 | 782.23 | Verified | Field value reflects source document |
| xxxxxx | 836709 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 837390 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 837390 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 837390 | xxxxxx | Cash To Borrower | 265817.28 | 27789.67 | Verified | Field value reflects source document |
| xxxxxx | 837390 | xxxxxx | Original HLTV | 0 | 64.86392 | Verified | Field value reflects source document |
| xxxxxx | 837418 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 837418 | xxxxxx | Representative FICO | 723 | 738 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 837418 | xxxxxx | Cash To Borrower | 49000.00 | 1265.97 | Verified | Field value reflects source document |
| xxxxxx | 837418 | xxxxxx | Investor: Qualifying Total Debt Ratio | 38 | 32.29003 | Verified | 1008 approved at 32.38%. |
| xxxxxx | 837418 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 838442 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 838442 | xxxxxx | Margin | 2 | 6.5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 838442 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 838442 | xxxxxx | Cash From Borrower | 0.00 | 78792.16 | Verified | Field value reflects source document |
| xxxxxx | 838442 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 838465 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 838465 | xxxxxx | Representative FICO | 783 | 800 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 838465 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 838465 | xxxxxx | Cash From Borrower | 0.00 | 478139.32 | Verified | Field value reflects source document |
| xxxxxx | 838465 | xxxxxx | Original HLTV | 0 | 33.68768 | Verified | Field value reflects source document |
| xxxxxx | 838753 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 838753 | xxxxxx | Cash To Borrower | 73.00 | 72848.24 | Verified | Field value reflects source document |
| xxxxxx | 838753 | xxxxxx | Original HLTV | 0 | 25.21688 | Verified | Field value reflects source document |
| xxxxxx | 839520 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 839520 | xxxxxx | Borrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 839520 | xxxxxx | Cash To Borrower | 84673.00 | 67940.42 | Verified | Field value reflects source document |
| xxxxxx | 839520 | xxxxxx | Investor: Qualifying Total Debt Ratio | 47.47 | 41.68519 | Verified | Audit Income |
| xxxxxx | 839520 | xxxxxx | Original HLTV | 0 | 16.26016 | Verified | Field value reflects source document |
| xxxxxx | 839660 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 839660 | xxxxxx | Cash From Borrower | 0.00 | 15268.86 | Verified | Field value reflects source document |
| xxxxxx | 839660 | xxxxxx | Original HLTV | 0 | 64.94465 | Verified | Field value reflects source document |
| xxxxxx | 839732 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 839732 | xxxxxx | Cash To Borrower | 106944.00 | 81322.55 | Verified | Field value reflects source document |
| xxxxxx | 839732 | xxxxxx | Original HLTV | 0 | 26.54378 | Verified | Field value reflects source document |
| xxxxxx | 839811 | xxxxxx | Cash From Borrower | 0.00 | 188346.01 | Verified | Field value reflects source document |
| xxxxxx | 839811 | xxxxxx | Investor: Qualifying Total Debt Ratio | 45.78 | 42.10225 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| xxxxxx | 839811 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 839853 | xxxxxx | Representative FICO | 773 | 787 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 839853 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 839853 | xxxxxx | Cash To Borrower | 100000.00 | 99450.00 | Verified | Field value reflects source document |
| xxxxxx | 839853 | xxxxxx | Investor: Qualifying Total Debt Ratio | 42.72 | 37.54507 | Verified | Audit DTI |
| xxxxxx | 839853 | xxxxxx | Original HLTV | 0 | 17.86308 | Verified | Field value reflects source document |
| xxxxxx | 839868 | xxxxxx | Representative FICO | 710 | 750 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 839868 | xxxxxx | Cash To Borrower | 138075.15 | 91294.30 | Verified | Field value reflects source document |
| xxxxxx | 839868 | xxxxxx | Investor: Qualifying Total Debt Ratio | 28.758 | 44.77384 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| xxxxxx | 839868 | xxxxxx | Original HLTV | 0 | 34.52381 | Verified | Field value reflects source document |
| xxxxxx | 839890 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 839890 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 839890 | xxxxxx | Cash From Borrower | 0.00 | 154779.12 | Verified | Field value reflects source document |
| xxxxxx | 839890 | xxxxxx | Original HLTV | 0 | 74.99996 | Verified | Field value reflects source document |
| xxxxxx | 840007 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 840007 | xxxxxx | Cash From Borrower | 0.00 | 187083.68 | Verified | Field value reflects source document |
| xxxxxx | 840007 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 840009 | xxxxxx | Cash From Borrower | 0.00 | 568516.37 | Verified | Field value reflects source document |
| xxxxxx | 840009 | xxxxxx | Original HLTV | 0 | 73.45362 | Verified | Field value reflects source document |
| xxxxxx | 840185 | xxxxxx | Occupancy | Investment | Primary | Verified | Resubmitted as primary |
| xxxxxx | 840185 | xxxxxx | Cash To Borrower | 24174.70 | 22221.64 | Verified | Field value reflects source document |
| xxxxxx | 840185 | xxxxxx | Investor: Qualifying Total Debt Ratio | 40.24 | 43.21585 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 840185 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 840306 | xxxxxx | Representative FICO | 771 | 774 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 840306 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 840306 | xxxxxx | Cash From Borrower | 0.00 | 250162.54 | Verified | Field value reflects source document |
| xxxxxx | 840306 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 840339 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 840339 | xxxxxx | Cash To Borrower | 20000.00 | 15432.59 | Verified | Field value reflects source document |
| xxxxxx | 840339 | xxxxxx | Original HLTV | 0 | 59.81055 | Verified | Field value reflects source document |
| xxxxxx | 840365 | xxxxxx | Cash To Borrower | 195546.00 | 193389.62 | Verified | Field value reflects source document |
| xxxxxx | 840365 | xxxxxx | Original HLTV | 0 | 55.27027 | Verified | Field value reflects source document |
| xxxxxx | 840383 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 840383 | xxxxxx | Cash To Borrower | 615900.86 | 622317.56 | Verified | Field value reflects source document |
| xxxxxx | 840383 | xxxxxx | Original HLTV | 0 | 47.6 | Verified | Field value reflects source document |
| xxxxxx | 840399 | xxxxxx | Cash From Borrower | 0.00 | 106984.36 | Verified | Field value reflects source document |
| xxxxxx | 840399 | xxxxxx | Investor: Qualifying Total Debt Ratio | 45.17 | 27.31597 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 840399 | xxxxxx | Original HLTV | 0 | 63.15789 | Verified | Field value reflects source document |
| xxxxxx | 840406 | xxxxxx | Cash To Borrower | 0.00 | 1599.89 | Verified | Field value reflects source document |
| xxxxxx | 840406 | xxxxxx | Original HLTV | 0 | 53.90805 | Verified | Field value reflects source document |
| xxxxxx | 840562 | xxxxxx | Representative FICO | 767 | 784 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 840562 | xxxxxx | Cash To Borrower | 394172.12 | 397261.18 | Verified | Field value reflects source document |
| xxxxxx | 840562 | xxxxxx | Original HLTV | 0 | 47.50869 | Verified | Field value reflects source document |
| xxxxxx | 840580 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 840580 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 840580 | xxxxxx | Cash From Borrower | 0.00 | 418644.11 | Verified | Field value reflects source document |
| xxxxxx | 840580 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 840653 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 840653 | xxxxxx | Cash From Borrower | 0.00 | 150464.32 | Verified | Field value reflects source document |
| xxxxxx | 840653 | xxxxxx | Investor: Qualifying Total Debt Ratio | 44.96 | 47.83544 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 840653 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 840659 | xxxxxx | Cash From Borrower | 0.00 | 66958.00 | Verified | Field value reflects source document |
| xxxxxx | 840659 | xxxxxx | Investor: Qualifying Total Debt Ratio | 28.389 | 31.19333 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 840659 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 840704 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 840704 | xxxxxx | Cash To Borrower | 40000.00 | 38557.69 | Verified | Field value reflects source document |
| xxxxxx | 840704 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 840759 | xxxxxx | Cash From Borrower | 0.00 | 91959.08 | Verified | Field value reflects source document |
| xxxxxx | 840759 | xxxxxx | Original HLTV | 0 | 74.99992 | Verified | Field value reflects source document |
| xxxxxx | 840760 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 840760 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 840760 | xxxxxx | Original CLTV | 68.55333 | 70 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 840760 | xxxxxx | Original LTV | 68.55333 | 70 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 840760 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 840760 | xxxxxx | Cash From Borrower | 0.00 | 102649.15 | Verified | Field value reflects source document |
| xxxxxx | 840760 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 840805 | xxxxxx | Cash From Borrower | 0.00 | 260635.88 | Verified | Field value reflects source document |
| xxxxxx | 840805 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 840844 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 840844 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 840844 | xxxxxx | Cash To Borrower | 110500.00 | 120303.79 | Verified | Field value reflects source document |
| xxxxxx | 840844 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 840882 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 840882 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 840882 | xxxxxx | Cash To Borrower | 584000.00 | 558917.18 | Verified | Field value reflects source document |
| xxxxxx | 840882 | xxxxxx | Original HLTV | 0 | 64.88889 | Verified | Field value reflects source document |
| xxxxxx | 840915 | xxxxxx | Borrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 840915 | xxxxxx | Representative FICO | 767 | 784 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 840915 | xxxxxx | Cash To Borrower | 297367.75 | 300476.09 | Verified | Field value reflects source document |
| xxxxxx | 840915 | xxxxxx | Original HLTV | 0 | 57.64192 | Verified | Field value reflects source document |
| xxxxxx | 841009 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 841009 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 841009 | xxxxxx | Cash From Borrower | 0.00 | 121486.18 | Verified | Field value reflects source document |
| xxxxxx | 841009 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 841014 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 841014 | xxxxxx | Cash From Borrower | 0.00 | 132186.41 | Verified | Field value reflects source document |
| xxxxxx | 841014 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 841089 | xxxxxx | Cash To Borrower | 158541.00 | 162897.96 | Verified | Field value reflects source document |
| xxxxxx | 841089 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 841147 | xxxxxx | Property Type | Single Family Attached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 841147 | xxxxxx | Cash To Borrower | 145889.24 | 128447.67 | Verified | Field value reflects source document |
| xxxxxx | 841147 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 841175 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 841175 | xxxxxx | Property Type | Single Family Attached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 841175 | xxxxxx | Cash From Borrower | 0.00 | 173667.76 | Verified | Field value reflects source document |
| xxxxxx | 841175 | xxxxxx | Original HLTV | 0 | 60.32432 | Verified | Field value reflects source document |
| xxxxxx | 841227 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 841227 | xxxxxx | Cash To Borrower | 484285.88 | 493173.92 | Verified | Field value reflects source document |
| xxxxxx | 841227 | xxxxxx | Original HLTV | 0 | 8.79507 | Verified | Field value reflects source document |
| xxxxxx | 841240 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 841240 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 841240 | xxxxxx | Cash From Borrower | 0.00 | 223912.26 | Verified | Field value reflects source document |
| xxxxxx | 841240 | xxxxxx | Original HLTV | 0 | 60 | Verified | Field value reflects source document |
| xxxxxx | 841241 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 841241 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 841241 | xxxxxx | Cash To Borrower | 81726.81 | 63391.38 | Verified | Field value reflects source document |
| xxxxxx | 841241 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 841244 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 841244 | xxxxxx | Cash From Borrower | 0.00 | 77397.74 | Verified | Field value reflects source document |
| xxxxxx | 841244 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 841253 | xxxxxx | Cash To Borrower | 105221.78 | 71246.00 | Verified | Field value reflects source document |
| xxxxxx | 841253 | xxxxxx | Original HLTV | 0 | 60 | Verified | Field value reflects source document |
| xxxxxx | 841267 | xxxxxx | Cash To Borrower | 108313.95 | 109816.27 | Verified | Field value reflects source document |
| xxxxxx | 841267 | xxxxxx | Original HLTV | 0 | 74.97143 | Verified | Field value reflects source document |
| xxxxxx | 841273 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 841273 | xxxxxx | Representative FICO | 726 | 730 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 841273 | xxxxxx | Property Type | Single Family Attached | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 841273 | xxxxxx | Cash To Borrower | 46549.32 | 126201.54 | Verified | Field value reflects source document |
| xxxxxx | 841273 | xxxxxx | Investor: Qualifying Total Debt Ratio | 42.56 | 36.7006 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 841273 | xxxxxx | Original HLTV | 0 | 15.38462 | Verified | Field value reflects source document |
| xxxxxx | 841304 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 841304 | xxxxxx | Refi Purpose | Cash-out - Debt Consolidation | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| xxxxxx | 841304 | xxxxxx | Cash To Borrower | 207000.00 | 251780.78 | Verified | Field value reflects source document |
| xxxxxx | 841304 | xxxxxx | Borrower FTHB | 1 | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 841304 | xxxxxx | Investor: Qualifying Total Debt Ratio | 36 | 40.59416 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 841304 | xxxxxx | Original HLTV | 0 | 39.13043 | Verified | Field value reflects source document |
| xxxxxx | 841349 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 841349 | xxxxxx | Cash To Borrower | 150001.00 | 138968.86 | Verified | Field value reflects source document |
| xxxxxx | 841349 | xxxxxx | Original HLTV | 0 | 55.55593 | Verified | Field value reflects source document |
| xxxxxx | 841582 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 841582 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 841582 | xxxxxx | Cash From Borrower | 0.00 | 234057.99 | Verified | Field value reflects source document |
| xxxxxx | 841582 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 841594 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 841594 | xxxxxx | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 841594 | xxxxxx | Cash From Borrower | 0.00 | 392504.13 | Verified | Field value reflects source document |
| xxxxxx | 841594 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 841670 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 841670 | xxxxxx | Cash From Borrower | 0.00 | 262700.84 | Verified | Field value reflects source document |
| xxxxxx | 841670 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 841755 | xxxxxx | Cash To Borrower | 93200.00 | 3039.23 | Verified | Field value reflects source document |
| xxxxxx | 841755 | xxxxxx | Investor: Qualifying Total Debt Ratio | 50 | 43.51114 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 841755 | xxxxxx | Original HLTV | 0 | 16.2087 | Verified | Field value reflects source document |
| xxxxxx | 841756 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 841756 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 841756 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 841756 | xxxxxx | Cash From Borrower | 0.00 | 236604.37 | Verified | Field value reflects source document |
| xxxxxx | 841756 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 841769 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 841769 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 841769 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 841769 | xxxxxx | Cash To Borrower | 102815.98 | 99185.18 | Verified | Field value reflects source document |
| xxxxxx | 841769 | xxxxxx | Original HLTV | 0 | 51.09489 | Verified | Field value reflects source document |
| xxxxxx | 841789 | xxxxxx | Cash To Borrower | 209471.41 | 207444.15 | Verified | Field value reflects source document |
| xxxxxx | 841789 | xxxxxx | Original HLTV | 0 | 41.09589 | Verified | Field value reflects source document |
| xxxxxx | 841790 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 841790 | xxxxxx | Prepayment Penalty Period (months) | 24 | 12 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| xxxxxx | 841790 | xxxxxx | Cash From Borrower | 0.00 | 102335.58 | Verified | Field value reflects source document |
| xxxxxx | 841790 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 841915 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 841915 | xxxxxx | Representative FICO | 642 | 757 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 841915 | xxxxxx | Cash From Borrower | 0.00 | 154632.95 | Verified | Field value reflects source document |
| xxxxxx | 841915 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 841995 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 841995 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 841995 | xxxxxx | Cash From Borrower | 0.00 | 119932.59 | Verified | Field value reflects source document |
| xxxxxx | 841995 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 842016 | xxxxxx | Amortization Type | Fixed | ARM | Verified | Field Value reflects Amortization Type per Note |
| xxxxxx | 842016 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 842016 | xxxxxx | Cash From Borrower | 0.00 | 325566.44 | Verified | Field value reflects source document |
| xxxxxx | 842016 | xxxxxx | Original HLTV | 0 | 65 | Verified | Field value reflects source document |
| xxxxxx | 842057 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 842057 | xxxxxx | Subject Debt Service Coverage Ratio | 1.05 | 1.03 | Verified | Due to Rounding |
| xxxxxx | 842084 | xxxxxx | Representative FICO | 745 | 790 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 842084 | xxxxxx | Cash From Borrower | 0.00 | 61298.44 | Verified | Field value reflects source document |
| xxxxxx | 842084 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 842102 | xxxxxx | Representative FICO | 756 | 744 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 842102 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 842102 | xxxxxx | Cash From Borrower | 0.00 | 371607.50 | Verified | Field value reflects source document |
| xxxxxx | 842102 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 842341 | xxxxxx | Cash From Borrower | 0.00 | 167878.25 | Verified | Field value reflects source document |
| xxxxxx | 842341 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 842356 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 842356 | xxxxxx | Cash To Borrower | 90000.00 | 35814.24 | Verified | Field value reflects source document |
| xxxxxx | 842356 | xxxxxx | Original HLTV | 0 | 57.23333 | Verified | Field value reflects source document |
| xxxxxx | 842382 | xxxxxx | Cash To Borrower | 0.00 | 851.94 | Verified | Field value reflects source document |
| xxxxxx | 842382 | xxxxxx | Original HLTV | 0 | 69.66897 | Verified | Field value reflects source document |
| xxxxxx | 842429 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 842429 | xxxxxx | Cash From Borrower | 0.00 | 332502.77 | Verified | Field value reflects source document |
| xxxxxx | 842429 | xxxxxx | Original HLTV | 0 | 57.5 | Verified | Field value reflects source document |
| xxxxxx | 842456 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 842456 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 842456 | xxxxxx | Cash From Borrower | 0.00 | 353816.34 | Verified | Field value reflects source document |
| xxxxxx | 842456 | xxxxxx | Investor: Qualifying Total Debt Ratio | 12 | 20.83172 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 842456 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 842486 | xxxxxx | Cash To Borrower | 246599.00 | 242353.68 | Verified | Field value reflects source document |
| xxxxxx | 842486 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 842543 | xxxxxx | Borrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 842543 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 842543 | xxxxxx | Cash From Borrower | 0.00 | 603233.45 | Verified | Field value reflects source document |
| xxxxxx | 842543 | xxxxxx | Original HLTV | 0 | 65 | Verified | Field value reflects source document |
| xxxxxx | 842547 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 842547 | xxxxxx | Property Type | Single Family Attached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 842547 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 842555 | xxxxxx | Cash From Borrower | 0.00 | 165331.56 | Verified | Field value reflects source document |
| xxxxxx | 842555 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 842564 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 842564 | xxxxxx | Representative FICO | 803 | 795 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 842564 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 842564 | xxxxxx | Cash From Borrower | 0.00 | 139377.10 | Verified | Field value reflects source document |
| xxxxxx | 842564 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 842569 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 842569 | xxxxxx | Cash From Borrower | 0.00 | 100699.83 | Verified | Field value reflects source document |
| xxxxxx | 842569 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 842583 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 842583 | xxxxxx | Cash To Borrower | 125848.00 | 77439.03 | Verified | Field value reflects source document |
| xxxxxx | 842583 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 842598 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 842598 | xxxxxx | Original Interest Rate | 8.5 | 9.375 | Verified | Field Value reflects the Note value |
| xxxxxx | 842598 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 842598 | xxxxxx | Cash To Borrower | 29978.00 | 26735.25 | Verified | Field value reflects source document |
| xxxxxx | 842598 | xxxxxx | Original CLTV | 64.70825 | 61.83297 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| xxxxxx | 842598 | xxxxxx | Original LTV | 25 | 27.56757 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 842598 | xxxxxx | Investor: Qualifying Total Debt Ratio | 41.35 | 49.88528 | Verified | 1008 approved at 49.72%. |
| xxxxxx | 842598 | xxxxxx | Original HLTV | 0 | 27.56757 | Verified | Field value reflects source document |
| xxxxxx | 842615 | xxxxxx | Cash To Borrower | 50000.00 | 216637.36 | Verified | Field value reflects source document |
| xxxxxx | 842615 | xxxxxx | Original HLTV | 0 | 65 | Verified | Field value reflects source document |
| xxxxxx | 842619 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 842619 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 842619 | xxxxxx | Cash From Borrower | 0.00 | 501416.53 | Verified | Field value reflects source document |
| xxxxxx | 842619 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 842628 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 842628 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 842628 | xxxxxx | Original CLTV | 52.6087 | 54.34978 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| xxxxxx | 842628 | xxxxxx | Original LTV | 52.6087 | 54.34978 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 842628 | xxxxxx | Cash From Borrower | 0.00 | 578.88 | Verified | Field value reflects source document |
| xxxxxx | 842628 | xxxxxx | Original HLTV | 0 | 54.34978 | Verified | Field value reflects source document |
| xxxxxx | 842640 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 842640 | xxxxxx | Cash From Borrower | 0.00 | 209640.21 | Verified | Field value reflects source document |
| xxxxxx | 842640 | xxxxxx | Original HLTV | 0 | 57.14286 | Verified | Field value reflects source document |
| xxxxxx | 842660 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 842660 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 842660 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 842660 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 842660 | xxxxxx | Cash From Borrower | 0.00 | 90663.92 | Verified | Field value reflects source document |
| xxxxxx | 842660 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 842693 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 842693 | xxxxxx | Cash From Borrower | 0.00 | 153086.96 | Verified | Field value reflects source document |
| xxxxxx | 842693 | xxxxxx | Original HLTV | 0 | 79.98452 | Verified | Field value reflects source document |
| xxxxxx | 842745 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 842745 | xxxxxx | Cash To Borrower | 94717.92 | 75833.82 | Verified | Field value reflects source document |
| xxxxxx | 842745 | xxxxxx | Original HLTV | 0 | 66 | Verified | Field value reflects source document |
| xxxxxx | 842754 | xxxxxx | Amortization Term | 360 | 480 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 842754 | xxxxxx | Representative FICO | 722 | 737 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 842754 | xxxxxx | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 842754 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 842754 | xxxxxx | Cash From Borrower | 0.00 | 75530.45 | Verified | Field value reflects source document |
| xxxxxx | 842754 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 842769 | xxxxxx | Cash From Borrower | 0.00 | 144627.39 | Verified | Field value reflects source document |
| xxxxxx | 842769 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 842789 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 842789 | xxxxxx | Cash To Borrower | 121393.00 | 111927.87 | Verified | Field value reflects source document |
| xxxxxx | 842789 | xxxxxx | Borrower FTHB | 1 | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 842880 | xxxxxx | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 842889 | xxxxxx | Representative FICO | 678 | 687 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 842889 | xxxxxx | Cash From Borrower | 0.00 | 352760.80 | Verified | Field value reflects source document |
| xxxxxx | 842889 | xxxxxx | Original HLTV | 0 | 60 | Verified | Field value reflects source document |
| xxxxxx | 842936 | xxxxxx | Cash To Borrower | 650000.00 | 676211.71 | Verified | Field value reflects source document |
| xxxxxx | 842936 | xxxxxx | Original HLTV | 0 | 51.85185 | Verified | Field value reflects source document |
| xxxxxx | 842938 | xxxxxx | Cash To Borrower | 781280.04 | 609717.73 | Verified | Field value reflects source document |
| xxxxxx | 842938 | xxxxxx | Original HLTV | 0 | 78.14922 | Verified | Field value reflects source document |
| xxxxxx | 842963 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 842963 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 842963 | xxxxxx | Cash To Borrower | 259082.00 | 263973.75 | Verified | Field value reflects source document |
| xxxxxx | 842963 | xxxxxx | Original HLTV | 0 | 65.97561 | Verified | Field value reflects source document |
| xxxxxx | 842993 | xxxxxx | Cash From Borrower | 0.00 | 302475.29 | Verified | Field value reflects source document |
| xxxxxx | 842993 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 843016 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 843016 | xxxxxx | Representative FICO | 692 | 776 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 843016 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 843016 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 843016 | xxxxxx | Cash From Borrower | 0.00 | 315083.91 | Verified | Field value reflects source document |
| xxxxxx | 843016 | xxxxxx | Original HLTV | 0 | 43.85973 | Verified | Field value reflects source document |
| xxxxxx | 843119 | xxxxxx | Cash To Borrower | 295000.00 | 280695.81 | Verified | Field value reflects source document |
| xxxxxx | 843119 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 843136 | xxxxxx | City | xxxxxx | xxxxxx | Verified | Field Value reflects City per Note |
| xxxxxx | 843136 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 843136 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 843136 | xxxxxx | Cash To Borrower | 500000.00 | 167386.01 | Verified | Field value reflects source document |
| xxxxxx | 843136 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 843153 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 843153 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 843153 | xxxxxx | Cash From Borrower | 0.00 | 197120.99 | Verified | Field value reflects source document |
| xxxxxx | 843153 | xxxxxx | Original HLTV | 0 | 54.05405 | Verified | Field value reflects source document |
| xxxxxx | 843155 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 843155 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 843155 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 843155 | xxxxxx | Cash From Borrower | 0.00 | 140990.37 | Verified | Field value reflects source document |
| xxxxxx | 843155 | xxxxxx | Original HLTV | 0 | 74.99885 | Verified | Field value reflects source document |
| xxxxxx | 843173 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 843173 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 843173 | xxxxxx | Original Interest Rate | 7.875 | 7.75 | Verified | Field Value reflects the Note value |
| xxxxxx | 843173 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 843173 | xxxxxx | Cash From Borrower | 0.00 | 195438.59 | Verified | Field value reflects source document |
| xxxxxx | 843173 | xxxxxx | Original HLTV | 0 | 74.96732 | Verified | Field value reflects source document |
| xxxxxx | 843185 | xxxxxx | Subject Debt Service Coverage Ratio | 1.74 | 1.51 | Verified | Higher lease amount used to calculate DSCR by lender. Missing 2 months of rent receipt verification. |
| xxxxxx | 843207 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 843209 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 843209 | xxxxxx | Representative FICO | 766 | 760 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 843210 | xxxxxx | Subject Debt Service Coverage Ratio | 1.58 | 1.86 | Verified | Used market rent as lease rent is not provided. Lender used $4000.00 for the total income. Market rent total is $4700.00 and this is what was used for the field value calculation. |
| xxxxxx | 843212 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 843212 | xxxxxx | Note Date | xxxxxx | xxxxxx | Verified | The Bid Tape Field Value was not provided. |
| xxxxxx | 843223 | xxxxxx | Representative FICO | 764 | 774 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 843233 | xxxxxx | Note Date | xxxxxx | xxxxxx | Verified | Field Value reflects Note Date per the Note |
| xxxxxx | 843236 | xxxxxx | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 843237 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 843237 | xxxxxx | Note Date | xxxxxx | xxxxxx | Verified | The Bid Tape Field Value was not provided. |
| xxxxxx | 843242 | xxxxxx | Subject Debt Service Coverage Ratio | 1.34 | 1.35 | Verified | Due to Rounding |
| xxxxxx | 843243 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 843243 | xxxxxx | Note Date | xxxxxx | xxxxxx | Verified | Field Value reflects Note Date per the Note |
| xxxxxx | 843252 | xxxxxx | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 843252 | xxxxxx | Subject Debt Service Coverage Ratio | 1.35 | 1.20 | Verified | $3100.00/$2589.61=1.20 . The figures used for the field value match what lender provided on the 1003. |
| xxxxxx | 843253 | xxxxxx | Subject Debt Service Coverage Ratio | 0.60 | 0.54 | Verified | Qualifying Rent $3,600 / P&I of $5,115.26, HOI of $142.40 and taxes of <br> $1,353.65 |
| xxxxxx | 843255 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 843255 | xxxxxx | Note Date | xxxxxx | xxxxxx | Verified | Field Value reflects Note Date per the Note |
| xxxxxx | 843257 | xxxxxx | Note Date | xxxxxx | xxxxxx | Verified | Field Value reflects Note Date per the Note |
| xxxxxx | 843257 | xxxxxx | Subject Debt Service Coverage Ratio | 0.84 | 0.85 | Verified | Field value reflects source document |
| xxxxxx | 843268 | xxxxxx | Note Date | xxxxxx | xxxxxx | Verified | Field Value reflects Note Date per the Note |
| xxxxxx | 843273 | xxxxxx | Note Date | xxxxxx | xxxxxx | Verified | Field Value reflects Note Date per the Note |
| xxxxxx | 843275 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 843275 | xxxxxx | Note Date | xxxxxx | xxxxxx | Verified | Field Value reflects Note Date per the Note |
| xxxxxx | 843276 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 843279 | xxxxxx | Note Date | xxxxxx | xxxxxx | Verified | Field Value reflects Note Date per the Note |
| xxxxxx | 843284 | xxxxxx | Subject Debt Service Coverage Ratio | 1.07 | 0.86 | Verified | Income worksheet not provided to use asset depletion. |
| xxxxxx | 843287 | xxxxxx | Note Date | xxxxxx | xxxxxx | Verified | Field Value reflects Note Date per the Note |
| xxxxxx | 843289 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 843290 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 843290 | xxxxxx | Property Type | 3 Family | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 843290 | xxxxxx | # of Units | 3 | 2 | Verified | Field value reflects source document |
| xxxxxx | 843292 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 843292 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 843292 | xxxxxx | Original Interest Rate | 7.75 | 8.375 | Verified | Field Value reflects the Note value |
| xxxxxx | 843292 | xxxxxx | Original P&I | 2106.25 | 2584.25 | Verified | Field Value reflects Note value |
| xxxxxx | 843292 | xxxxxx | Subject Debt Service Coverage Ratio | 0.81 | 0.71 | Verified | Used Market rent of $2600.00 & PITIA of $3670.88<br> $2600.00/$3670.88=0.71 |
| xxxxxx | 843296 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 843296 | xxxxxx | Subject Debt Service Coverage Ratio | 1.08 | 1.09 | Verified | Due to Rounding |
| xxxxxx | 843307 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 843309 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 843310 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 843312 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 843312 | xxxxxx | Note Date | xxxxxx | xxxxxx | Verified | Field Value reflects Note Date per the Note |
| xxxxxx | 843312 | xxxxxx | Subject Debt Service Coverage Ratio | 1.16 | 1.17 | Verified | Due to rounding. |
| xxxxxx | 843327 | xxxxxx | Note Date | xxxxxx | xxxxxx | Verified | Field Value reflects Note Date per the Note |
| xxxxxx | 843337 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 843339 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 843356 | xxxxxx | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 843360 | xxxxxx | Representative FICO | 766 | 760 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 843367 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 843368 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 843368 | xxxxxx | Representative FICO | 766 | 760 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 843371 | xxxxxx | Note Date | xxxxxx | xxxxxx | Verified | Bid Tape Field Value is not provided. |
| xxxxxx | 843371 | xxxxxx | Subject Debt Service Coverage Ratio | 0.75 | 0.86 | Verified | Missing asset depletion worksheet. |
| xxxxxx | 843389 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 843389 | xxxxxx | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 843394 | xxxxxx | City | xxxxxx | xxxxxx | Verified | Field Value reflects City per Note |
| xxxxxx | 843394 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 843408 | xxxxxx | Subject Debt Service Coverage Ratio | 0.64 | 0.60 | Verified | Rent 3000/ PITIA 5039.03 = 0.6 |
| xxxxxx | 843426 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 843426 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 843426 | xxxxxx | Prepayment Penalty Period (months) | 36 | 24 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| xxxxxx | 843426 | xxxxxx | Cash From Borrower | 0.00 | 190898.61 | Verified | Field value reflects source document |
| xxxxxx | 843426 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 843428 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 843428 | xxxxxx | Cash To Borrower | 100000.00 | 119251.46 | Verified | Field value reflects source document |
| xxxxxx | 843428 | xxxxxx | Original HLTV | 0 | 57.31707 | Verified | Field value reflects source document |
| xxxxxx | 843438 | xxxxxx | Cash To Borrower | 1.00 | 24615.93 | Verified | Field value reflects source document |
| xxxxxx | 843438 | xxxxxx | Investor: Qualifying Total Debt Ratio | 31.03 | 43.2929 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 843438 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 843439 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 843439 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 843439 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 843439 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 843439 | xxxxxx | Cash From Borrower | 0.00 | 14799.08 | Verified | Field value reflects source document |
| xxxxxx | 843439 | xxxxxx | Original HLTV | 0 | 52.8 | Verified | Field value reflects source document |
| xxxxxx | 843444 | xxxxxx | Cash To Borrower | 785000.00 | 784734.28 | Verified | Field value reflects source document |
| xxxxxx | 843444 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 843445 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 843445 | xxxxxx | Cash From Borrower | 0.00 | 100463.65 | Verified | Field value reflects source document |
| xxxxxx | 843445 | xxxxxx | Original HLTV | 0 | 85 | Verified | Field value reflects source document |
| xxxxxx | 843459 | xxxxxx | Cash To Borrower | 170000.00 | 167601.32 | Verified | Field value reflects source document |
| xxxxxx | 843459 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 843469 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 843469 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 843469 | xxxxxx | Cash To Borrower | 791343.87 | 805359.68 | Verified | Field value reflects source document |
| xxxxxx | 843469 | xxxxxx | Investor: Qualifying Total Debt Ratio |  | 12.78201 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 843469 | xxxxxx | Original HLTV | 0 | 60 | Verified | Field value reflects source document |
| xxxxxx | 843505 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 843505 | xxxxxx | Cash From Borrower | 0.00 | 1048812.50 | Verified | Field value reflects source document |
| xxxxxx | 843505 | xxxxxx | Investor: Qualifying Total Debt Ratio | 42 | 16.71336 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 843505 | xxxxxx | Original HLTV | 0 | 64.66431 | Verified | Field value reflects source document |
| xxxxxx | 843513 | xxxxxx | Borrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 843513 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 843513 | xxxxxx | Cash From Borrower | 0.00 | 180859.13 | Verified | Field value reflects source document |
| xxxxxx | 843513 | xxxxxx | Investor: Qualifying Total Debt Ratio | 22.028 | 18.7218 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 843513 | xxxxxx | Original HLTV | 0 | 85 | Verified | Field value reflects source document |
| xxxxxx | 843542 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 843542 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 843560 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 843560 | xxxxxx | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 843560 | xxxxxx | Subject Debt Service Coverage Ratio | 1.45 | 1.40 | Verified | Due to Rounding |
| xxxxxx | 843567 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 843572 | xxxxxx | Cash From Borrower | 0.00 | 122276.98 | Verified | Field value reflects source document |
| xxxxxx | 843572 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 843586 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 843586 | xxxxxx | Cash From Borrower | 0.00 | 162497.69 | Verified | Field value reflects source document |
| xxxxxx | 843586 | xxxxxx | Investor: Qualifying Total Debt Ratio | 43.402 | 48.54677 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 843586 | xxxxxx | Original HLTV | 0 | 90 | Verified | Field value reflects source document |
| xxxxxx | 843597 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 843597 | xxxxxx | Cash From Borrower | 0.00 | 84227.16 | Verified | Field value reflects source document |
| xxxxxx | 843597 | xxxxxx | Original HLTV | 0 | 90 | Verified | Field value reflects source document |
| xxxxxx | 843604 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 843604 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 843604 | xxxxxx | Cash From Borrower | 0.00 | 339060.08 | Verified | Field value reflects source document |
| xxxxxx | 843604 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 843634 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 843634 | xxxxxx | Representative FICO | 781 | 807 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 843634 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 843634 | xxxxxx | Cash From Borrower | 0.00 | 213942.01 | Verified | Field value reflects source document |
| xxxxxx | 843634 | xxxxxx | Original HLTV | 0 | 48.71795 | Verified | Field value reflects source document |
| xxxxxx | 843644 | xxxxxx | Representative FICO | 780 | 785 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 843644 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 843644 | xxxxxx | Cash From Borrower | 0.00 | 166574.02 | Verified | Field value reflects source document |
| xxxxxx | 843644 | xxxxxx | Investor: Qualifying Total Debt Ratio | 40 | 43.43448 | Verified | 1008 approved at 45.957%. |
| xxxxxx | 843644 | xxxxxx | Original HLTV | 0 | 90 | Verified | Field value reflects source document |
| xxxxxx | 843664 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 843673 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 843676 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 843678 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 843687 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 843691 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 843691 | xxxxxx | Subject Debt Service Coverage Ratio | 1.23 | 1.24 | Verified | Due to rounding. |
| xxxxxx | 843692 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 843693 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 843694 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 843702 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 843712 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 843721 | xxxxxx | Subject Debt Service Coverage Ratio | 1.06 | 1.16 | Verified | Underwriter has considered monthly taxes of $231.08 per month for DSCR calculation. Based on tax certificate, actual taxes are $81.23 per month. DSCR Calculation: $2,000 / $1,725.62 = 1.159%. |
| xxxxxx | 843727 | xxxxxx | Cash From Borrower | 0.00 | 147635.41 | Verified | Field value reflects source document |
| xxxxxx | 843727 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 843739 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 843739 | xxxxxx | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 843739 | xxxxxx | Cash From Borrower | 0.00 | 196013.86 | Verified | Field value reflects source document |
| xxxxxx | 843739 | xxxxxx | Original HLTV | 0 | 69.87028 | Verified | Field value reflects source document |
| xxxxxx | 843744 | xxxxxx | Representative FICO | 700 | 717 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 843744 | xxxxxx | Cash To Borrower | 277630.00 | 86698.29 | Verified | Field value reflects source document |
| xxxxxx | 843744 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 843749 | xxxxxx | Cash From Borrower | 0.00 | 239076.47 | Verified | Field value reflects source document |
| xxxxxx | 843749 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 843779 | xxxxxx | Representative FICO | 795 | 810 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 843779 | xxxxxx | Cash From Borrower | 0.00 | 319944.80 | Verified | Field value reflects source document |
| xxxxxx | 843779 | xxxxxx | Original HLTV | 0 | 49.9154 | Verified | Field value reflects source document |
| xxxxxx | 843785 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 843785 | xxxxxx | Cash To Borrower | 100745.00 | 101357.01 | Verified | Field value reflects source document |
| xxxxxx | 843785 | xxxxxx | Original HLTV | 0 | 47.27273 | Verified | Field value reflects source document |
| xxxxxx | 843804 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 843804 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 843804 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 843804 | xxxxxx | Cash From Borrower | 0.00 | 181793.10 | Verified | Field value reflects source document |
| xxxxxx | 843804 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 843829 | xxxxxx | Borrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 843829 | xxxxxx | Representative FICO | 731 | 777 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 843829 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 843829 | xxxxxx | Cash To Borrower | 289602.00 | 290850.50 | Verified | Field value reflects source document |
| xxxxxx | 843829 | xxxxxx | Original CLTV | 23.07692 | 27.27273 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| xxxxxx | 843829 | xxxxxx | Original LTV | 23.07692 | 27.27273 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 843829 | xxxxxx | Original HLTV | 0 | 27.27273 | Verified | Field value reflects source document |
| xxxxxx | 843886 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 843886 | xxxxxx | Original CLTV | 80 | 77.07006 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 843886 | xxxxxx | Original LTV | 80 | 77.07006 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 843886 | xxxxxx | Cash From Borrower | 0.00 | 212427.64 | Verified | Field value reflects source document |
| xxxxxx | 843886 | xxxxxx | Original HLTV | 0 | 77.07006 | Verified | Field value reflects source document |
| xxxxxx | 843893 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 843893 | xxxxxx | Cash To Borrower | 82525.81 | 457850.34 | Verified | Field value reflects source document |
| xxxxxx | 843893 | xxxxxx | Original HLTV | 0 | 44.44444 | Verified | Field value reflects source document |
| xxxxxx | 843894 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 843894 | xxxxxx | Representative FICO | 768 | 753 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 843894 | xxxxxx | Cash To Borrower | 157500.00 | 139477.76 | Verified | Field value reflects source document |
| xxxxxx | 843894 | xxxxxx | Investor: Qualifying Total Debt Ratio | 40 | 42.18187 | Verified | 1008 approved at 43.82%. |
| xxxxxx | 843894 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 843906 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 843906 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 843906 | xxxxxx | Cash From Borrower | 0.00 | 4397.51 | Verified | Field value reflects source document |
| xxxxxx | 843906 | xxxxxx | Investor: Qualifying Total Debt Ratio | 27.234 | 11.92728 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 843906 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 843940 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 843940 | xxxxxx | Cash From Borrower | 0.00 | 247480.29 | Verified | Field value reflects source document |
| xxxxxx | 843940 | xxxxxx | Investor: Qualifying Total Debt Ratio | 12 | 14.19285 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 843940 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 843960 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 843960 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 843960 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 843960 | xxxxxx | Cash From Borrower | 0.00 | 196379.47 | Verified | Field value reflects source document |
| xxxxxx | 843960 | xxxxxx | Investor: Qualifying Total Debt Ratio | 39.831 | 32.36071 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 843960 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 843962 | xxxxxx | Cash From Borrower | 0.00 | 61173.06 | Verified | Field value reflects source document |
| xxxxxx | 843962 | xxxxxx | Original HLTV | 0 | 89.375 | Verified | Field value reflects source document |
| xxxxxx | 843973 | xxxxxx | Cash To Borrower | 560775.65 | 512313.77 | Verified | Field value reflects source document |
| xxxxxx | 843973 | xxxxxx | Original HLTV | 0 | 54.98483 | Verified | Field value reflects source document |
| xxxxxx | 843993 | xxxxxx | Property Type | Condotel | Condo (Low Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 843993 | xxxxxx | Cash From Borrower | 0.00 | 58780.54 | Verified | Field value reflects source document |
| xxxxxx | 843993 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 844008 | xxxxxx | Representative FICO | 777 | 788 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 844008 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 844008 | xxxxxx | Cash From Borrower | 0.00 | 230678.05 | Verified | Field value reflects source document |
| xxxxxx | 844008 | xxxxxx | Original HLTV | 0 | 50 | Verified | Field value reflects source document |
| xxxxxx | 844034 | xxxxxx | Cash To Borrower | 125000.00 | 467010.88 | Verified | Field value reflects source document |
| xxxxxx | 844034 | xxxxxx | Investor: Qualifying Total Debt Ratio | 49.018 | 44.8275 | Verified | Lender used less income than was provided. |
| xxxxxx | 844034 | xxxxxx | Original HLTV | 0 | 31.25 | Verified | Field value reflects source document |
| xxxxxx | 844044 | xxxxxx | Cash To Borrower | 162892.48 | 150121.86 | Verified | Field value reflects source document |
| xxxxxx | 844044 | xxxxxx | Original HLTV | 0 | 65 | Verified | Field value reflects source document |
| xxxxxx | 844069 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 844069 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 844069 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 844069 | xxxxxx | Margin | 2 | 6.5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 844069 | xxxxxx | Interest Rate Life Cap | 7 | 2 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 844069 | xxxxxx | Cash From Borrower | 0.00 | 296109.02 | Verified | Field value reflects source document |
| xxxxxx | 844069 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 844079 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 844079 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 844079 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 844079 | xxxxxx | Cash To Borrower | 279725.83 | 270422.09 | Verified | Field value reflects source document |
| xxxxxx | 844079 | xxxxxx | Original CLTV | 59 | 57.4 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| xxxxxx | 844079 | xxxxxx | Original LTV | 59 | 57.4 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 844079 | xxxxxx | Original HLTV | 0 | 57.4 | Verified | Field value reflects source document |
| xxxxxx | 844103 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 844103 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 844103 | xxxxxx | Cash From Borrower | 0.00 | 163074.31 | Verified | Field value reflects source document |
| xxxxxx | 844103 | xxxxxx | Original HLTV | 0 | 85 | Verified | Field value reflects source document |
| xxxxxx | 844112 | xxxxxx | Cash From Borrower | 0.00 | 85188.70 | Verified | Field value reflects source document |
| xxxxxx | 844112 | xxxxxx | Investor: Qualifying Total Debt Ratio | 46.3 | 41.54284 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 844112 | xxxxxx | Original HLTV | 0 | 77.13632 | Verified | Field value reflects source document |
| xxxxxx | 844114 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 844114 | xxxxxx | Representative FICO | 798 | 812 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 844114 | xxxxxx | Cash From Borrower | 0.00 | 79732.94 | Verified | Field value reflects source document |
| xxxxxx | 844114 | xxxxxx | Investor: Qualifying Total Debt Ratio | 28.939 | 31.09213 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 844114 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 844121 | xxxxxx | Cash From Borrower | 0.00 | 574932.26 | Verified | Field value reflects source document |
| xxxxxx | 844121 | xxxxxx | Original HLTV | 0 | 65 | Verified | Field value reflects source document |
| xxxxxx | 844123 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 844123 | xxxxxx | Cash To Borrower | 200000.00 | 191795.53 | Verified | Field value reflects source document |
| xxxxxx | 844123 | xxxxxx | Borrower FTHB | 1 | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 844123 | xxxxxx | Original HLTV | 0 | 21.81025 | Verified | Field value reflects source document |
| xxxxxx | 844133 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 844133 | xxxxxx | Cash From Borrower | 0.00 | 3671.73 | Verified | Field value reflects source document |
| xxxxxx | 844133 | xxxxxx | Investor: Qualifying Total Debt Ratio | 41.657 | 45.5463 | Verified | 1008 approved at 45.976%. |
| xxxxxx | 844133 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 844169 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 844169 | xxxxxx | Cash From Borrower | 0.00 | 179750.00 | Verified | Field value reflects source document |
| xxxxxx | 844169 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 844176 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 844176 | xxxxxx | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 844193 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 844193 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 844193 | xxxxxx | Cash From Borrower | 0.00 | 51570.63 | Verified | Field value reflects source document |
| xxxxxx | 844193 | xxxxxx | Original HLTV | 0 | 90 | Verified | Field value reflects source document |
| xxxxxx | 844201 | xxxxxx | Cash From Borrower | 0.00 | 267564.72 | Verified | Field value reflects source document |
| xxxxxx | 844201 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 844213 | xxxxxx | Cash From Borrower | 0.00 | 160419.20 | Verified | Field value reflects source document |
| xxxxxx | 844213 | xxxxxx | Original HLTV | 0 | 50 | Verified | Field value reflects source document |
| xxxxxx | 844222 | xxxxxx | Cash To Borrower | 160000.00 | 162847.14 | Verified | Field value reflects source document |
| xxxxxx | 844222 | xxxxxx | Original HLTV | 0 | 65 | Verified | Field value reflects source document |
| xxxxxx | 844231 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 844231 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 844231 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 844231 | xxxxxx | Cash From Borrower | 0.00 | 76915.49 | Verified | Field value reflects source document |
| xxxxxx | 844231 | xxxxxx | Original HLTV | 0 | 90 | Verified | Field value reflects source document |
| xxxxxx | 844261 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 844261 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 844261 | xxxxxx | Interest Only | 1 | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
| xxxxxx | 844261 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 844261 | xxxxxx | Cash To Borrower | 299153.94 | 258539.16 | Verified | Field value reflects source document |
| xxxxxx | 844261 | xxxxxx | Original HLTV | 0 | 23.61111 | Verified | Field value reflects source document |
| xxxxxx | 844267 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 844267 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 844267 | xxxxxx | Original Interest Rate | 7.75 | 7.625 | Verified | Field Value reflects the Note value |
| xxxxxx | 844267 | xxxxxx | Cash To Borrower | 175608.76 | 180981.94 | Verified | Field value reflects source document |
| xxxxxx | 844267 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 844270 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 844270 | xxxxxx | Cash To Borrower | 244106.34 | 70107.62 | Verified | Field value reflects source document |
| xxxxxx | 844270 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 844285 | xxxxxx | Representative FICO | 762 | 778 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 844285 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 844285 | xxxxxx | Cash From Borrower | 0.00 | 83881.49 | Verified | Field value reflects source document |
| xxxxxx | 844285 | xxxxxx | Original HLTV | 0 | 60 | Verified | Field value reflects source document |
| xxxxxx | 844357 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 844357 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 844357 | xxxxxx | Original CLTV | 40.4908 | 43.27869 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| xxxxxx | 844357 | xxxxxx | Original LTV | 40.4908 | 43.27869 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 844370 | xxxxxx | Cash From Borrower | 0.00 | 3412.62 | Verified | Field value reflects source document |
| xxxxxx | 844370 | xxxxxx | Original HLTV | 0 | 67.53086 | Verified | Field value reflects source document |
| xxxxxx | 844399 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 844399 | xxxxxx | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 844399 | xxxxxx | Cash From Borrower | 0.00 | 216433.91 | Verified | Field value reflects source document |
| xxxxxx | 844399 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 844418 | xxxxxx | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 844418 | xxxxxx | Cash From Borrower | 0.00 | 135449.18 | Verified | Field value reflects source document |
| xxxxxx | 844418 | xxxxxx | Original HLTV | 0 | 60 | Verified | Field value reflects source document |
| xxxxxx | 844441 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 844441 | xxxxxx | Purpose | Purchase | Refinance | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| xxxxxx | 844441 | xxxxxx | Cash From Borrower | 0.00 | 3073.24 | Verified | Field value reflects source document |
| xxxxxx | 844441 | xxxxxx | Investor: Qualifying Total Debt Ratio | 51.68 | 48.2937 | Verified | 1008 approved at 48.294%. |
| xxxxxx | 844441 | xxxxxx | Original HLTV | 0 | 52.45675 | Verified | Field value reflects source document |
| xxxxxx | 844444 | xxxxxx | Cash From Borrower | 0.00 | 106113.21 | Verified | Field value reflects source document |
| xxxxxx | 844444 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 844453 | xxxxxx | Subject Debt Service Coverage Ratio | 1.02 | 1.01 | Verified | Due to rounding |
| xxxxxx | 844455 | xxxxxx | Subject Debt Service Coverage Ratio | 0.85 | 1.43 | Verified | Market rent=$1,700<br> PITIA: P & I $758.05, Taxes $236.26,<br> Hazard $186.25= $1,180.56<br> Used lessor of $1,700/1,180.56=1.43. |
| xxxxxx | 844458 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 844458 | xxxxxx | Property Type | Townhouse | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 844458 | xxxxxx | Subject Debt Service Coverage Ratio | 0.93 | 1.20 | Verified | DSCR: $1,750.00 / $1,452.68 = 1.20 updated as per document. |
| xxxxxx | 844459 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 844459 | xxxxxx | Subject Debt Service Coverage Ratio | 1.25 | 1.78 | Verified | DSCR: $4,000.00 / $2,236.98 = 1.78 updated as per document. |
| xxxxxx | 844461 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 844462 | xxxxxx | Property Type |  | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 844462 | xxxxxx | Subject Debt Service Coverage Ratio | 1.42 | 1.41 | Verified | Field value reflects source document |
| xxxxxx | 844467 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 844472 | xxxxxx | Subject Debt Service Coverage Ratio | 0.88 | 0.87 | Verified | Due to Rounding. |
| xxxxxx | 844473 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 844474 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 844474 | xxxxxx | Coborrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| xxxxxx | 844474 | xxxxxx | Coborrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| xxxxxx | 844474 | xxxxxx | Property Type | Single Family | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 844475 | xxxxxx | Original CLTV | 75 | 71.37931 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 844475 | xxxxxx | Original LTV | 75 | 71.37931 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 844475 | xxxxxx | Subject Debt Service Coverage Ratio | 1.15 | 0.60 | Verified | NA loan is no ratio. |
| xxxxxx | 844477 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 844478 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 844478 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 844478 | xxxxxx | Coborrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| xxxxxx | 844478 | xxxxxx | Representative FICO | 729 | 784 | Verified | Field Value Representative FICO reflects the lowest mid score of the highest wage earner |
| xxxxxx | 844478 | xxxxxx | Original CLTV | 80 | 66.15385 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| xxxxxx | 844478 | xxxxxx | Original LTV | 80 | 66.15385 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 844479 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 844479 | xxxxxx | Original Interest Rate | 6.499 | 6.49 | Verified | Field Value reflects the Note value |
| xxxxxx | 844479 | xxxxxx | Subject Debt Service Coverage Ratio |  | 0.98 | Verified | Field value reflects source document |
| xxxxxx | 844480 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 844480 | xxxxxx | Property Type |  | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 844480 | xxxxxx | Subject Debt Service Coverage Ratio | 0.93 | 0.92 | Verified | Due to round off |
| xxxxxx | 844487 | xxxxxx | Interest Only | 0 | 1 | Verified | Field Value reflects 'Interest Only' per the Note |
| xxxxxx | 844487 | xxxxxx | Subject Debt Service Coverage Ratio | 1.06 | 1.05 | Verified | Due to rounding off |
| xxxxxx | 844489 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 844489 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 844489 | xxxxxx | Subject Debt Service Coverage Ratio | 1.31 | 1.30 | Verified | Due to round off. |
| xxxxxx | 844490 | xxxxxx | Property Type | PUD | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 844490 | xxxxxx | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 844490 | xxxxxx | Subject Debt Service Coverage Ratio | 1.00 | 1.32 | Verified | Market rent $1850 / PITIA $1,400.26 = 1.32% |
| xxxxxx | 844497 | xxxxxx | Subject Debt Service Coverage Ratio | 0.88 | 1.24 | Verified | Field value reflects source document |
| xxxxxx | 844498 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 844500 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 844500 | xxxxxx | Subject Debt Service Coverage Ratio | 0.87 | 0.86 | Verified | Due to rounding. |
| xxxxxx | 844509 | xxxxxx | City | xxxxxx | xxxxxx | Verified | Field Value reflects City per Note |
| xxxxxx | 844509 | xxxxxx | Cash From Borrower | 0.00 | 202878.70 | Verified | Field value reflects source document |
| xxxxxx | 844509 | xxxxxx | Investor: Qualifying Total Debt Ratio | 46.23 | 39.16363 | Verified | 1008 approved at 31.537%. |
| xxxxxx | 844509 | xxxxxx | Original HLTV | 0 | 85 | Verified | Field value reflects source document |
| xxxxxx | 844513 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 844513 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 844513 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 844513 | xxxxxx | Cash From Borrower | 0.00 | 96413.12 | Verified | Field value reflects source document |
| xxxxxx | 844513 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 844516 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 844516 | xxxxxx | Representative FICO | 732 | 797 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 844516 | xxxxxx | Cash From Borrower | 0.00 | 298564.79 | Verified | Field value reflects source document |
| xxxxxx | 844516 | xxxxxx | Original HLTV | 0 | 68.76404 | Verified | Field value reflects source document |
| xxxxxx | 844521 | xxxxxx | Cash To Borrower | 485986.00 | 491048.00 | Verified | Field value reflects source document |
| xxxxxx | 844521 | xxxxxx | Original HLTV | 0 | 29.32551 | Verified | Field value reflects source document |
| xxxxxx | 844527 | xxxxxx | Cash From Borrower | 0.00 | 701376.34 | Verified | Field value reflects source document |
| xxxxxx | 844527 | xxxxxx | Investor: Qualifying Total Debt Ratio | 46.898 | 42.30158 | Verified | Audit income |
| xxxxxx | 844527 | xxxxxx | Original HLTV | 0 | 25.62032 | Verified | Field value reflects source document |
| xxxxxx | 844528 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 844528 | xxxxxx | Representative FICO | 700 | 710 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 844528 | xxxxxx | Cash To Borrower | 440512.00 | 432030.88 | Verified | Field value reflects source document |
| xxxxxx | 844528 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 844530 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 844530 | xxxxxx | Cash To Borrower | 173200.00 | 173760.85 | Verified | Field value reflects source document |
| xxxxxx | 844530 | xxxxxx | Investor: Qualifying Total Debt Ratio | 41.045 | 35.55505 | Verified | Lender did not use new PITIA after refinance of current primary. |
| xxxxxx | 844530 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 844555 | xxxxxx | Cash From Borrower | 0.00 | 219686.42 | Verified | Field value reflects source document |
| xxxxxx | 844555 | xxxxxx | Original HLTV | 0 | 65 | Verified | Field value reflects source document |
| xxxxxx | 844580 | xxxxxx | Cash To Borrower | 214856.00 | 237200.53 | Verified | Field value reflects source document |
| xxxxxx | 844586 | xxxxxx | Cash From Borrower | 0.00 | 176180.59 | Verified | Field value reflects source document |
| xxxxxx | 844586 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 844605 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 844605 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 844605 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 844605 | xxxxxx | Lien Position | 1 | 2 | Verified | Field Value reflects Lien Position per the Note |
| xxxxxx | 844605 | xxxxxx | Cash To Borrower | 181052.41 | 181259.74 | Verified | Field value reflects source document |
| xxxxxx | 844605 | xxxxxx | Original HLTV | 0 | 26.92996 | Verified | Field value reflects source document |
| xxxxxx | 844607 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 844607 | xxxxxx | Cash To Borrower | 130269.72 | 116736.88 | Verified | Field value reflects source document |
| xxxxxx | 844607 | xxxxxx | Investor: Qualifying Total Debt Ratio | 48.47 | 30.50141 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 844607 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 844608 | xxxxxx | Representative FICO | 752 | 802 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 844608 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 844608 | xxxxxx | Cash From Borrower | 0.00 | 92866.10 | Verified | Field value reflects source document |
| xxxxxx | 844608 | xxxxxx | Original HLTV | 0 | 90 | Verified | Field value reflects source document |
| xxxxxx | 844628 | xxxxxx | Cash From Borrower | 0.00 | 74423.04 | Verified | Field value reflects source document |
| xxxxxx | 844628 | xxxxxx | Investor: Qualifying Total Debt Ratio | 37.32 | 41.08909 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 844628 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 844650 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 844650 | xxxxxx | Cash To Borrower | 107867.00 | 107867.42 | Verified | Field value reflects source document |
| xxxxxx | 844655 | xxxxxx | Cash From Borrower | 0.00 | 116515.03 | Verified | Field value reflects source document |
| xxxxxx | 844655 | xxxxxx | Investor: Qualifying Total Debt Ratio | 34.364 | 36.49228 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 844655 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 844659 | xxxxxx | Cash From Borrower | 0.00 | 148177.99 | Verified | Field value reflects source document |
| xxxxxx | 844659 | xxxxxx | Investor: Qualifying Total Debt Ratio | 43 | 33.40965 | Verified | Lender used less income than was provided. |
| xxxxxx | 844659 | xxxxxx | Original HLTV | 0 | 90 | Verified | Field value reflects source document |
| xxxxxx | 844682 | xxxxxx | Cash From Borrower | 0.00 | 5170.27 | Verified | Field value reflects source document |
| xxxxxx | 844682 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 844689 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 844689 | xxxxxx | Refi Purpose | Cash-out - Debt Consolidation | Cash-out - Other | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| xxxxxx | 844689 | xxxxxx | Cash To Borrower | 12785.00 | 7535.00 | Verified | Field value reflects source document |
| xxxxxx | 844689 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 844711 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 844711 | xxxxxx | Representative FICO | 795 | 796 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 844711 | xxxxxx | Cash From Borrower | 0.00 | 324009.63 | Verified | Field value reflects source document |
| xxxxxx | 844711 | xxxxxx | Original HLTV | 0 | 60 | Verified | Field value reflects source document |
| xxxxxx | 844763 | xxxxxx | Borrower FTHB | 1 | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 844763 | xxxxxx | Cash From Borrower | 0.00 | 369651.79 | Verified | Field value reflects source document |
| xxxxxx | 844763 | xxxxxx | Investor: Qualifying Total Debt Ratio | 28.95 | 48.35456 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 844763 | xxxxxx | Original HLTV | 0 | 60.97561 | Verified | Field value reflects source document |
| xxxxxx | 844812 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 844812 | xxxxxx | Cash To Borrower | 55752.00 | 50615.62 | Verified | Field value reflects source document |
| xxxxxx | 844812 | xxxxxx | Investor: Qualifying Total Debt Ratio | 49.94 | 33.51301 | Verified | Lender used less income then was provided in the file. |
| xxxxxx | 844812 | xxxxxx | Original HLTV | 0 | 18.80424 | Verified | Field value reflects source document |
| xxxxxx | 844837 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 844837 | xxxxxx | Cash From Borrower | 0.00 | 203137.76 | Verified | Field value reflects source document |
| xxxxxx | 844837 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 844841 | xxxxxx | Representative FICO | 701 | 709 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 844841 | xxxxxx | Cash From Borrower | 0.00 | 819238.80 | Verified | Field value reflects source document |
| xxxxxx | 844841 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 844846 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 844846 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 844846 | xxxxxx | Cash To Borrower | 411000.00 | 399980.87 | Verified | Field value reflects source document |
| xxxxxx | 844846 | xxxxxx | Original HLTV | 0 | 60 | Verified | Field value reflects source document |
| xxxxxx | 844871 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 844871 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 844871 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 844871 | xxxxxx | Cash From Borrower | 0.00 | 89600.01 | Verified | Field value reflects source document |
| xxxxxx | 844871 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 844877 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 844877 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 844877 | xxxxxx | Cash From Borrower | 0.00 | 166670.29 | Verified | Field value reflects source document |
| xxxxxx | 844877 | xxxxxx | Investor: Qualifying Total Debt Ratio | 13.6 | 15.994 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 844877 | xxxxxx | Original HLTV | 0 | 88.27286 | Verified | Field value reflects source document |
| xxxxxx | 844889 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 844911 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 844911 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 844911 | xxxxxx | Cash To Borrower | 190128.00 | 177177.79 | Verified | Field value reflects source document |
| xxxxxx | 844911 | xxxxxx | Original CLTV | 75 | 73.07411 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 844911 | xxxxxx | Original HLTV | 0 | 17.66667 | Verified | Field value reflects source document |
| xxxxxx | 844912 | xxxxxx | Representative FICO | 771 | 782 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 844912 | xxxxxx | Cash From Borrower | 0.00 | 100432.11 | Verified | Field value reflects source document |
| xxxxxx | 844912 | xxxxxx | Investor: Qualifying Total Debt Ratio | 44 | 40.18302 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 844912 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 844916 | xxxxxx | Cash From Borrower | 0.00 | 103913.47 | Verified | Field value reflects source document |
| xxxxxx | 844916 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 844931 | xxxxxx | City | xxxxxx | xxxxxx | Verified | Field Value reflects City per Note |
| xxxxxx | 844931 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 844931 | xxxxxx | Cash From Borrower | 0.00 | 357322.16 | Verified | Field value reflects source document |
| xxxxxx | 844931 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 844944 | xxxxxx | Cash To Borrower | 260000.00 | 257004.71 | Verified | Field value reflects source document |
| xxxxxx | 844944 | xxxxxx | Original HLTV | 0 | 60 | Verified | Field value reflects source document |
| xxxxxx | 844968 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 844968 | xxxxxx | Property Type | Single Family Attached | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 844968 | xxxxxx | Cash To Borrower | 993620.24 | 989798.04 | Verified | Field value reflects source document |
| xxxxxx | 844968 | xxxxxx | Investor: Qualifying Total Debt Ratio | 30.983 | 24.45719 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 844968 | xxxxxx | Original HLTV | 0 | 38.84731 | Verified | Field value reflects source document |
| xxxxxx | 845015 | xxxxxx | Note Date | xxxxxx | xxxxxx | Verified | Field Value reflects Note Date per the Note |
| xxxxxx | 845015 | xxxxxx | Subject Debt Service Coverage Ratio | 0.53 | 0.50 | Verified | Lender used lower property tax on a California purchase. No documentation of tax rate in file. |
| xxxxxx | 845139 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 845139 | xxxxxx | Cash To Borrower | 49000.00 | 26696.94 | Verified | Field value reflects source document |
| xxxxxx | 845141 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 845141 | xxxxxx | Original Interest Rate | 9.5 | 9.25 | Verified | Field Value reflects the Note value |
| xxxxxx | 845141 | xxxxxx | Cash To Borrower | 125000.00 | 441220.42 | Verified | Field value reflects source document |
| xxxxxx | 845141 | xxxxxx | Original HLTV | 0 | 25.42568 | Verified | Field value reflects source document |
| xxxxxx | 845147 | xxxxxx | Cash To Borrower | 85873.00 | 85907.99 | Verified | Field value reflects source document |
| xxxxxx | 845147 | xxxxxx | Original HLTV | 0 | 15.72793 | Verified | Field value reflects source document |
| xxxxxx | 845149 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 845149 | xxxxxx | Cash From Borrower | 0.00 | 89163.22 | Verified | Field value reflects source document |
| xxxxxx | 845149 | xxxxxx | Investor: Qualifying Total Debt Ratio | 23.591 | 30.84508 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 845149 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 845160 | xxxxxx | Property Type | Single Family Attached | 4 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 845186 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 845186 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 845186 | xxxxxx | Cash From Borrower | 0.00 | 102933.26 | Verified | Field value reflects source document |
| xxxxxx | 845186 | xxxxxx | Investor: Qualifying Total Debt Ratio | 6.371 | 9.76666 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 845191 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 845191 | xxxxxx | Cash From Borrower | 0.00 | 134338.60 | Verified | Field value reflects source document |
| xxxxxx | 845191 | xxxxxx | Investor: Qualifying Total Debt Ratio | 41.601 | 38.74185 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 845191 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 845198 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 845198 | xxxxxx | Representative FICO | 719 |  | Verified | Removed FICO because of Invalid SSN on credit report |
| xxxxxx | 845198 | xxxxxx | Cash From Borrower | 0.00 | 360261.69 | Verified | Field value reflects source document |
| xxxxxx | 845198 | xxxxxx | Original HLTV | 0 | 50 | Verified | Field value reflects source document |
| xxxxxx | 845200 | xxxxxx | Borrower SSN | xxxxxx | xxxxxx | Verified | Field Value verified by application or other documentation in file |
| xxxxxx | 845200 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 845200 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 845200 | xxxxxx | Cash From Borrower | 0.00 | 511026.96 | Verified | Field value reflects source document |
| xxxxxx | 845200 | xxxxxx | Original HLTV | 0 | 48.45361 | Verified | Field value reflects source document |
| xxxxxx | 845232 | xxxxxx | Cash To Borrower | 60000.00 | 46216.65 | Verified | Field value reflects source document |
| xxxxxx | 845232 | xxxxxx | Borrower FTHB | 1 | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 845232 | xxxxxx | Investor: Qualifying Total Debt Ratio | 44.5427 | 35.53292 | Verified | Lender used PITIA for senior instead of P&I. |
| xxxxxx | 845232 | xxxxxx | Original HLTV | 0 | 13.7931 | Verified | Field value reflects source document |
| xxxxxx | 845241 | xxxxxx | Cash To Borrower | 33331.00 | 34177.51 | Verified | Field value reflects source document |
| xxxxxx | 845241 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 845248 | xxxxxx | Cash To Borrower | 247033.00 | 244782.69 | Verified | Field value reflects source document |
| xxxxxx | 845248 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 845259 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 845259 | xxxxxx | Cash From Borrower | 0.00 | 78400.00 | Verified | Field value reflects source document |
| xxxxxx | 845259 | xxxxxx | Investor: Qualifying Total Debt Ratio | 49.54 | 42.05282 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 845259 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 845260 | xxxxxx | Cash From Borrower | 0.00 | 597285.46 | Verified | Field value reflects source document |
| xxxxxx | 845260 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 845275 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 845275 | xxxxxx | Cash To Borrower | 158404.00 | 155488.43 | Verified | Field value reflects source document |
| xxxxxx | 845275 | xxxxxx | Original HLTV | 0 | 69.64286 | Verified | Field value reflects source document |
| xxxxxx | 845278 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 845278 | xxxxxx | Cash From Borrower | 0.00 | 260479.24 | Verified | Field value reflects source document |
| xxxxxx | 845278 | xxxxxx | Original HLTV | 0 | 74.92163 | Verified | Field value reflects source document |
| xxxxxx | 845286 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 845286 | xxxxxx | Contract Sales Price | xxxxxx | xxxxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| xxxxxx | 845286 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 845286 | xxxxxx | Cash From Borrower | 0.00 | 65585.19 | Verified | Field value reflects source document |
| xxxxxx | 845286 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 845290 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 845290 | xxxxxx | Cash From Borrower | 0.00 | 98156.11 | Verified | Field value reflects source document |
| xxxxxx | 845290 | xxxxxx | Investor: Qualifying Total Debt Ratio | 40.7 | 42.81732 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 845290 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 845297 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 845297 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 845297 | xxxxxx | Cash To Borrower | 450099.00 | 450098.56 | Verified | Field value reflects source document |
| xxxxxx | 845297 | xxxxxx | Original HLTV | 0 | 64.58333 | Verified | Field value reflects source document |
| xxxxxx | 845380 | xxxxxx | Cash To Borrower | 187799.00 | 181615.93 | Verified | Field value reflects source document |
| xxxxxx | 845380 | xxxxxx | Original HLTV | 0 | 54.36893 | Verified | Field value reflects source document |
| xxxxxx | 845381 | xxxxxx | Cash From Borrower | 0.00 | 11523.14 | Verified | Field value reflects source document |
| xxxxxx | 845381 | xxxxxx | Investor: Qualifying Total Debt Ratio | 40.93 | 43.25895 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 845381 | xxxxxx | Original HLTV | 0 | 60.82051 | Verified | Field value reflects source document |
| xxxxxx | 845400 | xxxxxx | Cash To Borrower | 200000.00 | 175525.04 | Verified | Field value reflects source document |
| xxxxxx | 845400 | xxxxxx | Original HLTV | 0 | 24.3309 | Verified | Field value reflects source document |
| xxxxxx | 845409 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 845409 | xxxxxx | Cash To Borrower | 400000.00 | 373173.74 | Verified | Field value reflects source document |
| xxxxxx | 845409 | xxxxxx | Original HLTV | 0 | 49.96825 | Verified | Field value reflects source document |
| xxxxxx | 845417 | xxxxxx | Representative FICO | 685 | 701 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 845417 | xxxxxx | Cash To Borrower | 266000.00 | 225731.50 | Verified | Field value reflects source document |
| xxxxxx | 845417 | xxxxxx | Investor: Qualifying Total Debt Ratio | 41 | 44.85328 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 845417 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 845431 | xxxxxx | Borrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 845431 | xxxxxx | Cash To Borrower | 148993.00 | 147604.80 | Verified | Field value reflects source document |
| xxxxxx | 845431 | xxxxxx | Original HLTV | 0 | 69.23077 | Verified | Field value reflects source document |
| xxxxxx | 845433 | xxxxxx | Borrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 845433 | xxxxxx | Cash To Borrower | 77685.00 | 79038.74 | Verified | Field value reflects source document |
| xxxxxx | 845433 | xxxxxx | Original HLTV | 0 | 11.18421 | Verified | Field value reflects source document |
| xxxxxx | 845450 | xxxxxx | Cash From Borrower | 0.00 | 106161.48 | Verified | Field value reflects source document |
| xxxxxx | 845450 | xxxxxx | Investor: Qualifying Total Debt Ratio | 34.33 | 29.97307 | Verified | Lender used less income that was provided in file. |
| xxxxxx | 845450 | xxxxxx | Original HLTV | 0 | 85 | Verified | Field value reflects source document |
| xxxxxx | 845459 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 845459 | xxxxxx | Cash From Borrower | 0.00 | 40751.08 | Verified | Field value reflects source document |
| xxxxxx | 845459 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 845490 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 845490 | xxxxxx | Cash To Borrower | 343281.00 | 342332.08 | Verified | Field value reflects source document |
| xxxxxx | 845490 | xxxxxx | Original HLTV | 0 | 27.02703 | Verified | Field value reflects source document |
| xxxxxx | 845505 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 845505 | xxxxxx | Cash From Borrower | 0.00 | 56346.30 | Verified | Field value reflects source document |
| xxxxxx | 845505 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 845512 | xxxxxx | Cash To Borrower | 0.00 | 275612.13 | Verified | Field value reflects source document |
| xxxxxx | 845512 | xxxxxx | Investor: Qualifying Total Debt Ratio | 6.314 | 9.24792 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 845512 | xxxxxx | Original HLTV | 0 | 20.83333 | Verified | Field value reflects source document |
| xxxxxx | 845517 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 845517 | xxxxxx | Investor: Qualifying Total Debt Ratio | 35.486 | 40.13297 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 845517 | xxxxxx | Original HLTV | 0 | 59.09944 | Verified | Field value reflects source document |
| xxxxxx | 845529 | xxxxxx | Cash To Borrower | 585000.00 | 106679.75 | Verified | Field value reflects source document |
| xxxxxx | 845529 | xxxxxx | Original HLTV | 0 | 65 | Verified | Field value reflects source document |
| xxxxxx | 845546 | xxxxxx | Representative FICO | 785 | 793 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 845588 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 845588 | xxxxxx | Maturity Date | xxxxxx | xxxxxx | Verified | Field Value reflects Maturity Date per the Note |
| xxxxxx | 845588 | xxxxxx | Borrower FTHB | 1 | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 845588 | xxxxxx | Cash From Borrower | 0.00 | 132500.04 | Verified | Field value reflects source document |
| xxxxxx | 845588 | xxxxxx | Original HLTV | 0 | 90 | Verified | Field value reflects source document |
| xxxxxx | 845590 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 845590 | xxxxxx | Maturity Date | xxxxxx | xxxxxx | Verified | Field Value reflects Maturity Date per the Note |
| xxxxxx | 845590 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 845590 | xxxxxx | Cash From Borrower | 0.00 | 659247.62 | Verified | Field value reflects source document |
| xxxxxx | 845590 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 845591 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 845591 | xxxxxx | Maturity Date | xxxxxx | xxxxxx | Verified | Field Value reflects Maturity Date per the Note |
| xxxxxx | 845591 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 845591 | xxxxxx | Cash From Borrower | 0.00 | 214931.17 | Verified | Field value reflects source document |
| xxxxxx | 845591 | xxxxxx | Original HLTV | 0 | 90 | Verified | Field value reflects source document |
| xxxxxx | 845605 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 845605 | xxxxxx | Cash From Borrower | 0.00 | 145688.64 | Verified | Field value reflects source document |
| xxxxxx | 845605 | xxxxxx | Investor: Qualifying Total Debt Ratio | 31.541 | 39.34023 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 845605 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 845709 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 845709 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 845709 | xxxxxx | Cash From Borrower | 0.00 | 121630.39 | Verified | Field value reflects source document |
| xxxxxx | 845709 | xxxxxx | Investor: Qualifying Total Debt Ratio | 17 | 13.08976 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 845709 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 845712 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 845712 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 845712 | xxxxxx | Cash From Borrower | 0.00 | 218848.96 | Verified | Field value reflects source document |
| xxxxxx | 845712 | xxxxxx | Investor: Qualifying Total Debt Ratio | 20 | 4.18461 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 845712 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 845723 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 845723 | xxxxxx | Investor: Qualifying Total Debt Ratio | 39.841 | 42.36012 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 845736 | xxxxxx | Cash From Borrower | 0.00 | 250696.34 | Verified | Field value reflects source document |
| xxxxxx | 845736 | xxxxxx | Investor: Qualifying Total Debt Ratio | 48.818 | 41.48351 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 845736 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 845739 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 845739 | xxxxxx | Cash To Borrower | 56000.00 | 58191.78 | Verified | Field value reflects source document |
| xxxxxx | 845786 | xxxxxx | Property Type | Single Family Attached | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 845786 | xxxxxx | Cash From Borrower | 0.00 | 152910.17 | Verified | Field value reflects source document |
| xxxxxx | 845786 | xxxxxx | Investor: Qualifying Total Debt Ratio | 38 | 35.11647 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 845786 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 845788 | xxxxxx | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 845788 | xxxxxx | Cash To Borrower | 126048.53 | 116645.61 | Verified | Field value reflects source document |
| xxxxxx | 845788 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 845802 | xxxxxx | Cash From Borrower | 0.00 | 170586.74 | Verified | Field value reflects source document |
| xxxxxx | 845802 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 845854 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 845854 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 845854 | xxxxxx | Cash To Borrower | 220267.00 | 220807.76 | Verified | Field value reflects source document |
| xxxxxx | 845854 | xxxxxx | Original CLTV | 74.72485 | 72.34798 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| xxxxxx | 845854 | xxxxxx | Original HLTV | 0 | 22.61554 | Verified | Field value reflects source document |
| xxxxxx | 845876 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 845876 | xxxxxx | Cash To Borrower | 0.00 | 1687.36 | Verified | Field value reflects source document |
| xxxxxx | 845876 | xxxxxx | Original HLTV | 0 | 73.94366 | Verified | Field value reflects source document |
| xxxxxx | 845954 | xxxxxx | Borrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 845954 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 845954 | xxxxxx | Coborrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| xxxxxx | 845954 | xxxxxx | Coborrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| xxxxxx | 845954 | xxxxxx | Investor: Qualifying Housing Ratio | 43.465 | 31.08924 | Verified | Field value reflects source document |
| xxxxxx | 846000 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 846000 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 846000 | xxxxxx | Cash To Borrower | 1155000.00 | 1150172.91 | Verified | Field value reflects source document |
| xxxxxx | 846000 | xxxxxx | Original HLTV | 0 | 55 | Verified | Field value reflects source document |
| xxxxxx | 846019 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 846019 | xxxxxx | Cash From Borrower | 0.00 | 96503.48 | Verified | Field value reflects source document |
| xxxxxx | 846019 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 846020 | xxxxxx | Zip | xxxxxx | xxxxxx | Verified | Field Value reflects Zip per Note |
| xxxxxx | 846020 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 846020 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 846020 | xxxxxx | Cash From Borrower | 0.00 | 76347.52 | Verified | Field value reflects source document |
| xxxxxx | 846020 | xxxxxx | Original HLTV | 0 | 90 | Verified | Field value reflects source document |
| xxxxxx | 846031 | xxxxxx | # of Units | 4 | 3 | Verified | Field value reflects source document |
| xxxxxx | 846031 | xxxxxx | Cash From Borrower | 0.00 | 431842.91 | Verified | Field value reflects source document |
| xxxxxx | 846031 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 846031 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 846035 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 846035 | xxxxxx | Property Type |  | 3 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 846035 | xxxxxx | # of Units | 4 | 3 | Verified | Field value reflects source document |
| xxxxxx | 846035 | xxxxxx | Cash From Borrower | 0.00 | 788620.88 | Verified | Field value reflects source document |
| xxxxxx | 846035 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 846047 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 846049 | xxxxxx | Original LTV | 73.17 | 74.25743 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 846053 | xxxxxx | Original LTV | 63.97 | 65 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 846154 | xxxxxx | Representative FICO | 691 | 706 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 846154 | xxxxxx | Cash From Borrower | 0.00 | 88075.58 | Verified | Field value reflects source document |
| xxxxxx | 846154 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 846157 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 846157 | xxxxxx | Property Type | Condotel | Condo (Low Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 846157 | xxxxxx | Cash From Borrower | 0.00 | 116871.57 | Verified | Field value reflects source document |
| xxxxxx | 846157 | xxxxxx | Investor: Qualifying Total Debt Ratio | 46.83 | 39.38344 | Verified | 1008 approved at 42.943%. |
| xxxxxx | 846157 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 846168 | xxxxxx | Cash From Borrower | 0.00 | 139787.04 | Verified | Field value reflects source document |
| xxxxxx | 846168 | xxxxxx | Original HLTV | 0 | 90 | Verified | Field value reflects source document |
| xxxxxx | 846197 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 846197 | xxxxxx | Cash From Borrower | 0.00 | 151444.16 | Verified | Field value reflects source document |
| xxxxxx | 846197 | xxxxxx | Investor: Qualifying Total Debt Ratio | 47.839 | 43.66903 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 846197 | xxxxxx | Original HLTV | 0 | 79.01639 | Verified | Field value reflects source document |
| xxxxxx | 846198 | xxxxxx | Cash To Borrower | 26000.00 | 20398.86 | Verified | Field value reflects source document |
| xxxxxx | 846220 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 846220 | xxxxxx | Coborrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| xxxxxx | 846220 | xxxxxx | Coborrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| xxxxxx | 846220 | xxxxxx | Subject Debt Service Coverage Ratio | 0.80 | 0.79 | Verified | Updated PITIA as per the document and Rental market amount updated correctly. |
| xxxxxx | 846223 | xxxxxx | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 846227 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 846227 | xxxxxx | MERS Min Number | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 846229 | xxxxxx | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 846293 | xxxxxx | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 846293 | xxxxxx | Investor: Qualifying Total Debt Ratio | 40.697 | 35.43068 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 846311 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 846311 | xxxxxx | Cash From Borrower | 0.00 | 50863.64 | Verified | Field value reflects source document |
| xxxxxx | 846311 | xxxxxx | Investor: Qualifying Total Debt Ratio | 20.732 | 18.27063 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 846311 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 846312 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 846312 | xxxxxx | Cash From Borrower | 0.00 | 94696.07 | Verified | Field value reflects source document |
| xxxxxx | 846312 | xxxxxx | Investor: Qualifying Total Debt Ratio | 20.756 | 14.66977 | Verified | Lender used less income then was provided with bank statements. |
| xxxxxx | 846312 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 846325 | xxxxxx | Cash From Borrower | 0.00 | 223831.04 | Verified | Field value reflects source document |
| xxxxxx | 846325 | xxxxxx | Original HLTV | 0 | 71.32867 | Verified | Field value reflects source document |
| xxxxxx | 846381 | xxxxxx | Cash From Borrower | 0.00 | 439941.26 | Verified | Field value reflects source document |
| xxxxxx | 846381 | xxxxxx | Original HLTV | 0 | 65 | Verified | Field value reflects source document |
| xxxxxx | 846416 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 846416 | xxxxxx | Cash To Borrower | 205000.00 | 201694.87 | Verified | Field value reflects source document |
| xxxxxx | 846416 | xxxxxx | Original HLTV | 0 | 68.18182 | Verified | Field value reflects source document |
| xxxxxx | 846428 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 846428 | xxxxxx | Representative FICO | 702 | 791 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 846428 | xxxxxx | Property Type | Single Family Attached | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 846428 | xxxxxx | Cash From Borrower | 0.00 | 705.00 | Verified | Field value reflects source document |
| xxxxxx | 846428 | xxxxxx | Original HLTV | 0 | 68.85757 | Verified | Field value reflects source document |
| xxxxxx | 846437 | xxxxxx | Representative FICO | 770 | 778 | Verified | Highest wage earner if same |
| xxxxxx | 846437 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 846437 | xxxxxx | Cash From Borrower | 0.00 | 169742.49 | Verified | Field value reflects source document |
| xxxxxx | 846437 | xxxxxx | Original HLTV | 0 | 84.98996 | Verified | Field value reflects source document |
| xxxxxx | 846448 | xxxxxx | Cash From Borrower | 0.00 | 114326.51 | Verified | Field value reflects source document |
| xxxxxx | 846448 | xxxxxx | Original HLTV | 0 | 85 | Verified | Field value reflects source document |
| xxxxxx | 846478 | xxxxxx | Property Type | Single Family Attached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 846478 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 846482 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 846482 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 846482 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 846482 | xxxxxx | Cash From Borrower | 0.00 | 116108.85 | Verified | Field value reflects source document |
| xxxxxx | 846482 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 846491 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 846491 | xxxxxx | Cash To Borrower | 775968.00 | 771039.81 | Verified | Field value reflects source document |
| xxxxxx | 846491 | xxxxxx | Original HLTV | 0 | 43.58974 | Verified | Field value reflects source document |
| xxxxxx | 846498 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 846498 | xxxxxx | Cash To Borrower | 1.00 | 753408.37 | Verified | Field value reflects source document |
| xxxxxx | 846498 | xxxxxx | Investor: Qualifying Total Debt Ratio | 19.696 | 10.30995 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 846498 | xxxxxx | Original HLTV | 0 | 74.86164 | Verified | Field value reflects source document |
| xxxxxx | 846513 | xxxxxx | Representative FICO | 745 | 752 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 846513 | xxxxxx | Cash From Borrower | 0.00 | 119245.37 | Verified | Field value reflects source document |
| xxxxxx | 846513 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 846519 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 846519 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 846519 | xxxxxx | Cash From Borrower | 0.00 | 58764.72 | Verified | Field value reflects source document |
| xxxxxx | 846519 | xxxxxx | Investor: Qualifying Total Debt Ratio | 37.803 | 23.89418 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 846519 | xxxxxx | Original HLTV | 0 | 79.84 | Verified | Field value reflects source document |
| xxxxxx | 846522 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 846522 | xxxxxx | Cash From Borrower | 0.00 | 84350.40 | Verified | Field value reflects source document |
| xxxxxx | 846522 | xxxxxx | Original HLTV | 0 | 90 | Verified | Field value reflects source document |
| xxxxxx | 846536 | xxxxxx | Cash From Borrower | 0.00 | 131045.52 | Verified | Field value reflects source document |
| xxxxxx | 846536 | xxxxxx | Investor: Qualifying Total Debt Ratio | 21.842 | 17.50568 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 846536 | xxxxxx | Original HLTV | 0 | 85 | Verified | Field value reflects source document |
| xxxxxx | 846555 | xxxxxx | Property Type | Single Family Attached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 846555 | xxxxxx | Cash From Borrower | 0.00 | 158483.31 | Verified | Field value reflects source document |
| xxxxxx | 846555 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 846674 | xxxxxx | Borrower First Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 846674 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 846674 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 846674 | xxxxxx | Cash To Borrower | 150000.00 | 141288.85 | Verified | Field value reflects source document |
| xxxxxx | 846674 | xxxxxx | Original HLTV | 0 | 11.53846 | Verified | Field value reflects source document |
| xxxxxx | 846728 | xxxxxx | Cash To Borrower | 861437.84 | 872493.25 | Verified | Field value reflects source document |
| xxxxxx | 846728 | xxxxxx | Investor: Qualifying Total Debt Ratio | 13.73 | 15.80782 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 846728 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 846729 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 846729 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 846729 | xxxxxx | Cash To Borrower | 1330917.00 | 1308392.77 | Verified | Field value reflects source document |
| xxxxxx | 846729 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 846732 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 846732 | xxxxxx | Original Loan Amount | xxxxxx | xxxxxx | Verified | Field Value reflects the Note value |
| xxxxxx | 846732 | xxxxxx | Representative FICO | 801 | 800 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 846732 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 846732 | xxxxxx | Cash To Borrower | 250000.00 | 484595.86 | Verified | Field value reflects source document |
| xxxxxx | 846732 | xxxxxx | Investor: Qualifying Total Debt Ratio | 19 | 48.88325 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| xxxxxx | 846732 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 846740 | xxxxxx | Representative FICO | 725 | 726 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 846740 | xxxxxx | Cash To Borrower | 247620.00 | 235015.96 | Verified | Field value reflects source document |
| xxxxxx | 846740 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 846749 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 846749 | xxxxxx | Cash From Borrower | 0.00 | 9860.89 | Verified | Field value reflects source document |
| xxxxxx | 846749 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 846762 | xxxxxx | Cash From Borrower | 0.00 | 606316.52 | Verified | Field value reflects source document |
| xxxxxx | 846762 | xxxxxx | Investor: Qualifying Total Debt Ratio | 34 | 36.44544 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 846762 | xxxxxx | Original HLTV | 0 | 60 | Verified | Field value reflects source document |
| xxxxxx | 846794 | xxxxxx | City | xxxxxx | xxxxxx | Verified | Field Value reflects City per Note |
| xxxxxx | 846794 | xxxxxx | Cash From Borrower | 0.00 | 156120.53 | Verified | Field value reflects source document |
| xxxxxx | 846802 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 846802 | xxxxxx | Cash From Borrower | 0.00 | 117552.55 | Verified | Field value reflects source document |
| xxxxxx | 846802 | xxxxxx | Original HLTV | 0 | 79.99983 | Verified | Field value reflects source document |
| xxxxxx | 846816 | xxxxxx | Cash To Borrower | 49641.00 | 49040.96 | Verified | Field value reflects source document |
| xxxxxx | 846816 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 846818 | xxxxxx | Cash To Borrower | 137539.00 | 128605.87 | Verified | Field value reflects source document |
| xxxxxx | 846818 | xxxxxx | Original HLTV | 0 | 69.62963 | Verified | Field value reflects source document |
| xxxxxx | 846820 | xxxxxx | Cash From Borrower | 0.00 | 620100.91 | Verified | Field value reflects source document |
| xxxxxx | 846820 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 846821 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 846821 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 846825 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 846825 | xxxxxx | Cash From Borrower | 0.00 | 256434.00 | Verified | Field value reflects source document |
| xxxxxx | 846825 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 846827 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 846827 | xxxxxx | Cash From Borrower | 0.00 | 83726.74 | Verified | Field value reflects source document |
| xxxxxx | 846827 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 846836 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 846836 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 846836 | xxxxxx | Cash From Borrower | 0.00 | 71551.08 | Verified | Field value reflects source document |
| xxxxxx | 846836 | xxxxxx | Investor: Qualifying Total Debt Ratio | 48.98 | 30.90274 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 846836 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 846841 | xxxxxx | Cash From Borrower | 0.00 | 223445.62 | Verified | Field value reflects source document |
| xxxxxx | 846841 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 846842 | xxxxxx | Cash From Borrower | 0.00 | 199232.97 | Verified | Field value reflects source document |
| xxxxxx | 846842 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 846843 | xxxxxx | Margin | 2 | 5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 846843 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 846843 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 846843 | xxxxxx | Cash From Borrower | 0.00 | 311955.76 | Verified | Field value reflects source document |
| xxxxxx | 846843 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 846844 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 846844 | xxxxxx | Cash From Borrower | 0.00 | 255048.75 | Verified | Field value reflects source document |
| xxxxxx | 846844 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 846845 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 846845 | xxxxxx | Representative FICO | 773 | 777 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 846845 | xxxxxx | Cash To Borrower | 688648.00 | 688022.70 | Verified | Field value reflects source document |
| xxxxxx | 846845 | xxxxxx | Original CLTV | 47.16667 | 50 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| xxxxxx | 846845 | xxxxxx | Original LTV | 47.16667 | 50 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 846845 | xxxxxx | Original HLTV | 0 | 50 | Verified | Field value reflects source document |
| xxxxxx | 846847 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 846847 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 846847 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 846847 | xxxxxx | Cash To Borrower | 1178395.54 | 1178155.78 | Verified | Field value reflects source document |
| xxxxxx | 846847 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 846858 | xxxxxx | Cash From Borrower | 0.00 | 198555.10 | Verified | Field value reflects source document |
| xxxxxx | 846858 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 846860 | xxxxxx | Cash To Borrower | 95275.00 | 97011.07 | Verified | Field value reflects source document |
| xxxxxx | 846860 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 846862 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 846862 | xxxxxx | Cash From Borrower | 0.00 | 172373.50 | Verified | Field value reflects source document |
| xxxxxx | 846862 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 846863 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 846863 | xxxxxx | Cash From Borrower | 0.00 | 125680.20 | Verified | Field value reflects source document |
| xxxxxx | 846863 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 846866 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 846866 | xxxxxx | Cash From Borrower | 0.00 | 149921.25 | Verified | Field value reflects source document |
| xxxxxx | 846868 | xxxxxx | Cash From Borrower | 0.00 | 247929.06 | Verified | Field value reflects source document |
| xxxxxx | 846868 | xxxxxx | Original HLTV | 0 | 60 | Verified | Field value reflects source document |
| xxxxxx | 846869 | xxxxxx | Cash To Borrower | 91641.00 | 89665.81 | Verified | Field value reflects source document |
| xxxxxx | 846869 | xxxxxx | Investor: Qualifying Total Debt Ratio | 47.65 | 44.6733 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 846869 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 846915 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 846915 | xxxxxx | Cash From Borrower | 0.00 | 23429.28 | Verified | Field value reflects source document |
| xxxxxx | 846915 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 846921 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 846921 | xxxxxx | Investor: Qualifying Total Debt Ratio | 41.734 | 44.51501 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 846927 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 846927 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 846927 | xxxxxx | Cash From Borrower | 0.00 | 91405.45 | Verified | Field value reflects source document |
| xxxxxx | 846927 | xxxxxx | Investor: Qualifying Total Debt Ratio | 37.726 | 29.28899 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 846927 | xxxxxx | Original HLTV | 0 | 84.99997 | Verified | Field value reflects source document |
| xxxxxx | 846935 | xxxxxx | Cash From Borrower | 0.00 | 95794.46 | Verified | Field value reflects source document |
| xxxxxx | 846935 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 846966 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 846966 | xxxxxx | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 846966 | xxxxxx | Cash To Borrower | 0.00 | 1640.42 | Verified | Field value reflects source document |
| xxxxxx | 846966 | xxxxxx | Investor: Qualifying Total Debt Ratio | 34.454 | 38.84035 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 846966 | xxxxxx | Original HLTV | 0 | 72.61538 | Verified | Field value reflects source document |
| xxxxxx | 846975 | xxxxxx | Investor: Qualifying Total Debt Ratio | 40.276 | 37.02215 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 846990 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 846990 | xxxxxx | Cash From Borrower | 0.00 | 83282.08 | Verified | Field value reflects source document |
| xxxxxx | 846990 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 847004 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 847004 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 847004 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 847004 | xxxxxx | Cash From Borrower | 0.00 | 359705.32 | Verified | Field value reflects source document |
| xxxxxx | 847004 | xxxxxx | Original HLTV | 0 | 84.99998 | Verified | Field value reflects source document |
| xxxxxx | 847081 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 847091 | xxxxxx | Margin | 2 | 5 | Verified | Field Value reflects 'Margin' per the Note |
| xxxxxx | 847091 | xxxxxx | Interest Rate Life Cap | 7 | 5 | Verified | Field Value reflects 'Interest Rate Life Cap' per the Note |
| xxxxxx | 847091 | xxxxxx | Cash From Borrower | 0.00 | 692725.48 | Verified | Field value reflects source document |
| xxxxxx | 847091 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 847093 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 847093 | xxxxxx | Cash From Borrower | 0.00 | 87508.73 | Verified | Field value reflects source document |
| xxxxxx | 847093 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 847114 | xxxxxx | Subject Debt Service Coverage Ratio | 0.80 | 0.83 | Verified | Lender used market rent |
| xxxxxx | 847117 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 847117 | xxxxxx | Original CLTV | 64.286 | 62.5 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| xxxxxx | 847117 | xxxxxx | Original LTV | 64.286 | 62.5 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| xxxxxx | 847117 | xxxxxx | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 847155 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | Verified | Field Value reflects First Payment Date per the Note |
| xxxxxx | 847155 | xxxxxx | Cash To Borrower | 302188.71 | 286293.17 | Verified | Field value reflects source document |
| xxxxxx | 847155 | xxxxxx | Investor: Qualifying Total Debt Ratio | 41.354 | 37.42494 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 847155 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 847180 | xxxxxx | Cash From Borrower | 0.00 | 102955.30 | Verified | Field value reflects source document |
| xxxxxx | 847180 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 847194 | xxxxxx | Cash To Borrower | 291622.00 | 192931.13 | Verified | Field value reflects source document |
| xxxxxx | 847194 | xxxxxx | Investor: Qualifying Total Debt Ratio | 28.41 | 39.44846 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 847194 | xxxxxx | Original HLTV | 0 | 68.11205 | Verified | Field value reflects source document |
| xxxxxx | 847204 | xxxxxx | Cash To Borrower | 64141.70 | 64557.74 | Verified | Field value reflects source document |
| xxxxxx | 847204 | xxxxxx | Investor: Qualifying Total Debt Ratio | 43.929 | 34.70902 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 847204 | xxxxxx | Original HLTV | 0 | 22.22222 | Verified | Field value reflects source document |
| xxxxxx | 847205 | xxxxxx | Cash From Borrower | 0.00 | 683316.03 | Verified | Field value reflects source document |
| xxxxxx | 847205 | xxxxxx | Original HLTV | 0 | 50.72464 | Verified | Field value reflects source document |
| xxxxxx | 847238 | xxxxxx | Note Date | xxxxxx | xxxxxx | Verified | Field Value reflects Note Date per the Note |
| xxxxxx | 847250 | xxxxxx | Note Date | xxxxxx | xxxxxx | Verified | Field Value reflects Note Date per the Note |
| xxxxxx | 847250 | xxxxxx | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 847250 | xxxxxx | Subject Debt Service Coverage Ratio | 0.91 | 0.92 | Verified | Due to rounding. |
| xxxxxx | 847278 | xxxxxx | Cash From Borrower | 0.00 | 74338.02 | Verified | Field value reflects source document |
| xxxxxx | 847278 | xxxxxx | Original HLTV | 0 | 90 | Verified | Field value reflects source document |
| xxxxxx | 847322 | xxxxxx | Cash From Borrower | 0.00 | 239601.86 | Verified | Field value reflects source document |
| xxxxxx | 847322 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 847368 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 847368 | xxxxxx | Appraised Value | xxxxxx | xxxxxx | Verified | Field Value captured from Valuation model in file |
| xxxxxx | 847368 | xxxxxx | Cash To Borrower | 137389.00 | 134673.20 | Verified | Field value reflects source document |
| xxxxxx | 847368 | xxxxxx | Investor: Qualifying Total Debt Ratio | 42.608 | 35.66964 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 847368 | xxxxxx | Original HLTV | 0 | 79.54545 | Verified | Field value reflects source document |
| xxxxxx | 847380 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 847380 | xxxxxx | Representative FICO | 750 | 731 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 847386 | xxxxxx | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 847392 | xxxxxx | Representative FICO | 753 | 779 | Verified | Field Value Representative FICO reflects the lowest mid score of the highest wage earner |
| xxxxxx | 847401 | xxxxxx | Lien Position | 1 | 2 | Verified | Field Value reflects Lien Position per the Note |
| xxxxxx | 847401 | xxxxxx | Purpose | Purchase | Refinance | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| xxxxxx | 847401 | xxxxxx | Cash To Borrower | 0.00 | 82976.61 | Verified | Field value reflects source document |
| xxxxxx | 847401 | xxxxxx | Original CLTV | 29.41176 | 77.14267 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| xxxxxx | 847401 | xxxxxx | Investor: Qualifying Total Debt Ratio | 37.75 | 48.62182 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 847401 | xxxxxx | Original HLTV | 0 | 29.41176 | Verified | Field value reflects source document |
| xxxxxx | 847444 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 847444 | xxxxxx | Cash From Borrower | 0.00 | 91360.38 | Verified | Field value reflects source document |
| xxxxxx | 847444 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 847448 | xxxxxx | Cash From Borrower | 0.00 | 95601.06 | Verified | Field value reflects source document |
| xxxxxx | 847448 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 847452 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 847452 | xxxxxx | Cash From Borrower | 0.00 | 87481.85 | Verified | Field value reflects source document |
| xxxxxx | 847452 | xxxxxx | Investor: Qualifying Total Debt Ratio | 37.81 | 40.9606 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 847452 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 847457 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 847457 | xxxxxx | Cash From Borrower | 0.00 | 152474.84 | Verified | Field value reflects source document |
| xxxxxx | 847457 | xxxxxx | Investor: Qualifying Total Debt Ratio | 44.95 | 47.1805 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| xxxxxx | 847457 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 847459 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 847459 | xxxxxx | Cash From Borrower | 0.00 | 104750.00 | Verified | Field value reflects source document |
| xxxxxx | 847459 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 847776 | xxxxxx | Cash To Borrower | 111921.00 | 110234.29 | Verified | Field value reflects source document |
| xxxxxx | 847776 | xxxxxx | Investor: Qualifying Total Debt Ratio | 6.88 | 9.24938 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 847778 | xxxxxx | Representative FICO | 776 | 773 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 847778 | xxxxxx | Investor: Qualifying Housing Ratio | 49.48 | 39.11014 | Verified | Field value reflects source document |
| xxxxxx | 847779 | xxxxxx | Investor: Qualifying Housing Ratio | 42.435 | 26.88058 | Verified | Field value reflects source document |
| xxxxxx | 847789 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 847789 | xxxxxx | Cash From Borrower | 0.00 | 51279.75 | Verified | Field value reflects source document |
| xxxxxx | 847789 | xxxxxx | Original HLTV | 0 | 85 | Verified | Field value reflects source document |
| xxxxxx | 847812 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 847812 | xxxxxx | Cash From Borrower | 0.00 | 216282.39 | Verified | Field value reflects source document |
| xxxxxx | 847812 | xxxxxx | Investor: Qualifying Total Debt Ratio | 38.49 | 27.3555 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 847812 | xxxxxx | Original HLTV | 0 | 61.53846 | Verified | Field value reflects source document |
| xxxxxx | 847824 | xxxxxx | Representative FICO | 760 | 794 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 847828 | xxxxxx | Interest Only | 0 | 1 | Verified | Field Value reflects 'Interest Only' per the Note |
| xxxxxx | 847832 | xxxxxx | Investor: Qualifying Total Debt Ratio | 22.482 | 35.17668 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| xxxxxx | 847873 | xxxxxx | Borrower Last Name | xxxxxx | xxxxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| xxxxxx | 847873 | xxxxxx | Interest Only | 0 | 1 | Verified | Field Value reflects 'Interest Only' per the Note |
| xxxxxx | 847873 | xxxxxx | Cash From Borrower | 0.00 | 197990.66 | Verified | Field value reflects source document |
| xxxxxx | 847873 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 847897 | xxxxxx | Cash From Borrower | 0.00 | 162056.72 | Verified | Field value reflects source document |
| xxxxxx | 847897 | xxxxxx | Investor: Qualifying Total Debt Ratio | 47.503 | 41.55586 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 847897 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 847965 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 847965 | xxxxxx | Cash To Borrower | 50148.00 | 43233.85 | Verified | Field value reflects source document |
| xxxxxx | 847965 | xxxxxx | Original HLTV | 0 | 59.42029 | Verified | Field value reflects source document |
| xxxxxx | 847967 | xxxxxx | Cash From Borrower | 0.00 | 233296.56 | Verified | Field value reflects source document |
| xxxxxx | 847967 | xxxxxx | Original HLTV | 0 | 79.98155 | Verified | Field value reflects source document |
| xxxxxx | 847970 | xxxxxx | Cash From Borrower | 0.00 | 156868.04 | Verified | Field value reflects source document |
| xxxxxx | 847970 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 847971 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 847971 | xxxxxx | Cash From Borrower | 0.00 | 180384.02 | Verified | Field value reflects source document |
| xxxxxx | 847971 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 847972 | xxxxxx | Property Type | Single Family Attached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 847972 | xxxxxx | Cash From Borrower | 0.00 | 99623.09 | Verified | Field value reflects source document |
| xxxxxx | 847972 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 847978 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 847978 | xxxxxx | Cash From Borrower | 0.00 | 86780.78 | Verified | Field value reflects source document |
| xxxxxx | 847978 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 847979 | xxxxxx | Cash From Borrower | 0.00 | 189187.63 | Verified | Field value reflects source document |
| xxxxxx | 847979 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 847984 | xxxxxx | Cash From Borrower | 0.00 | 175314.08 | Verified | Field value reflects source document |
| xxxxxx | 847984 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 847987 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 847987 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 847991 | xxxxxx | Cash From Borrower | 0.00 | 2114.16 | Verified | Field value reflects source document |
| xxxxxx | 847991 | xxxxxx | Original HLTV | 0 | 74.45313 | Verified | Field value reflects source document |
| xxxxxx | 847999 | xxxxxx | Cash To Borrower | 109164.54 | 106193.74 | Verified | Field value reflects source document |
| xxxxxx | 847999 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 848000 | xxxxxx | Cash From Borrower | 0.00 | 129290.39 | Verified | Field value reflects source document |
| xxxxxx | 848000 | xxxxxx | Investor: Qualifying Total Debt Ratio | 21.9 | 44.21162 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 848000 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 848001 | xxxxxx | Property Type | Single Family Detached | 4 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 848001 | xxxxxx | # of Units | 1 | 4 | Verified | Field value reflects source document |
| xxxxxx | 848001 | xxxxxx | Cash To Borrower | 655348.92 | 651991.46 | Verified | Field value reflects source document |
| xxxxxx | 848001 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 848017 | xxxxxx | Cash To Borrower | 243716.05 | 240840.68 | Verified | Field value reflects source document |
| xxxxxx | 848017 | xxxxxx | Investor: Qualifying Total Debt Ratio | 28.48 | 33.11391 | Verified | 1008 approved at 33.10%. |
| xxxxxx | 848017 | xxxxxx | Original HLTV | 0 | 68.96552 | Verified | Field value reflects source document |
| xxxxxx | 848147 | xxxxxx | Cash From Borrower | 0.00 | 36536.11 | Verified | Field value reflects source document |
| xxxxxx | 848147 | xxxxxx | Original HLTV | 0 | 85 | Verified | Field value reflects source document |
| xxxxxx | 848180 | xxxxxx | Cash To Borrower | 122748.00 | 121802.50 | Verified | Field value reflects source document |
| xxxxxx | 848180 | xxxxxx | Original HLTV | 0 | 69.23077 | Verified | Field value reflects source document |
| xxxxxx | 848181 | xxxxxx | Cash To Borrower | 103916.00 | 87698.30 | Verified | Field value reflects source document |
| xxxxxx | 848181 | xxxxxx | Original HLTV | 0 | 70 | Verified | Field value reflects source document |
| xxxxxx | 848229 | xxxxxx | City | xxxxxx | xxxxxx | Verified | Field Value reflects City per Note |
| xxxxxx | 848229 | xxxxxx | Original Term | 480 | 360 | Verified | Field Value reflects the Note value |
| xxxxxx | 848229 | xxxxxx | Amortization Term | 480 | 360 | Verified | Field Value reflects Amortization Term per Note |
| xxxxxx | 848229 | xxxxxx | Representative FICO | 699 | 642 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 848229 | xxxxxx | Cash To Borrower | 197902.00 | 197306.91 | Verified | Field value reflects source document |
| xxxxxx | 848229 | xxxxxx | Original HLTV | 0 | 62.66667 | Verified | Field value reflects source document |
| xxxxxx | 848303 | xxxxxx | Cash From Borrower | 0.00 | 90309.00 | Verified | Field value reflects source document |
| xxxxxx | 848303 | xxxxxx | Investor: Qualifying Total Debt Ratio | 40.34 | 31.44313 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| xxxxxx | 848303 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 848304 | xxxxxx | Cash To Borrower | 0.00 | 299848.15 | Verified | Field value reflects source document |
| xxxxxx | 848304 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 848464 | xxxxxx | Cash From Borrower | 0.00 | 101100.51 | Verified | Field value reflects source document |
| xxxxxx | 848464 | xxxxxx | Investor: Qualifying Total Debt Ratio | 28.15 | 30.93233 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| xxxxxx | 848464 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 848578 | xxxxxx | LTV Valuation Value | xxxxxx | xxxxxx | Verified | Field value reflects source document |
| xxxxxx | 848581 | xxxxxx | Representative FICO | 783 | 789 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| xxxxxx | 848581 | xxxxxx | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 848842 | xxxxxx | Cash To Borrower | 71055.06 | 55195.56 | Verified | Field value reflects source document |
| xxxxxx | 848842 | xxxxxx | Original HLTV | 0 | 36.01286 | Verified | Field value reflects source document |
| xxxxxx | 848846 | xxxxxx | Property Type | Single Family Attached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 848846 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 848846 | xxxxxx | Cash From Borrower | 0.00 | 173043.16 | Verified | Field value reflects source document |
| xxxxxx | 848846 | xxxxxx | Original HLTV | 0 | 79.99997 | Verified | Field value reflects source document |
| xxxxxx | 848847 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 848847 | xxxxxx | Cash To Borrower | 63823.17 | 63806.28 | Verified | Field value reflects source document |
| xxxxxx | 848849 | xxxxxx | Refi Purpose | Cash-out - Other | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| xxxxxx | 848849 | xxxxxx | Cash From Borrower | 0.00 | 7023.85 | Verified | Field value reflects source document |
| xxxxxx | 848849 | xxxxxx | Original HLTV | 0 | 31.13043 | Verified | Field value reflects source document |
| xxxxxx | 848853 | xxxxxx | Cash From Borrower | 0.00 | 329068.07 | Verified | Field value reflects source document |
| xxxxxx | 848853 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |
| xxxxxx | 848857 | xxxxxx | Street | xxxxxx | xxxxxx | Verified | Field Value reflects Street per Note |
| xxxxxx | 848857 | xxxxxx | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| xxxxxx | 848857 | xxxxxx | Cash From Borrower | 0.00 | 51174.44 | Verified | Field value reflects source document |
| xxxxxx | 848857 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 848858 | xxxxxx | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| xxxxxx | 848858 | xxxxxx | Cash From Borrower | 0.00 | 71402.73 | Verified | Field value reflects source document |
| xxxxxx | 848858 | xxxxxx | Original HLTV | 0 | 75 | Verified | Field value reflects source document |
| xxxxxx | 848872 | xxxxxx | Cash From Borrower | 0.00 | 154201.01 | Verified | Field value reflects source document |
| xxxxxx | 848872 | xxxxxx | Original HLTV | 0 | 80 | Verified | Field value reflects source document |

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## Exhibit 99.3

**EXHIBIT 99.3**

**AMC Exception Grades**

![](tm2529922d1_ex99-2img01.jpg)

**Exception Grades**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Loan Exception ID** | **Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Compensating Factor Information** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **DBRS Initial Exception Rating** | **Kroll Initial Exception Rating** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Compliance<br> Initial Loan Grade** | **Compliance<br> Final Loan Grade** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** | **Scope** |
| xxxxxx | 806745 | xxxxxx | 30063893 | xxxxxx | 03/05/2024 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. |  |  |  | Reviewer Comment (2024-03-01): The client elects to waive. |  |  | 03/01/2024 | 2 | B | B | xxxxxx | xxxxxx | Investment | Purchase | C B | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 806745 | xxxxxx | 30063894 | xxxxxx | 03/05/2024 | Compliance | Compliance | County Compliance | State Defect | (County High Cost) xxxxxx County Threshold Loan (Calculated APR/Rate) | xxxxxx County Predatory Lending Ordinance: APR Threshold is exceeded by .40665%. APR of 10.40665% exceeds a threshold of 10.00000% based on the xxxxxx Treasury for comparable maturities of 4.00000% plus jurisdiction allowable margin of 6.00000%. Non-Compliant High Cost Loan. |  |  |  | Reviewer Comment (2024-03-01): The client elects to waive. |  |  | 03/01/2024 | 2 | B | B | xxxxxx | xxxxxx | Investment | Purchase | C B | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 806745 | xxxxxx | 30063896 | xxxxxx | 03/05/2024 | Compliance | Compliance | County Compliance | State Defect | (County High Cost) xxxxxx County Threshold Loan (Points and Fees) | xxxxxx County Predatory Lending Ordinance: Points and Fees on subject loan of 9.16691% is in excess of the allowable maximum of 5.00000% of the County Total Loan Amount. Points and Fees total xxxxxx on a County Total Loan Amount of xxxxxx vs. an allowable total of xxxxxx (an overage of xxxxxx or 4.16691%). Non-Compliant High Cost Loan. |  |  |  | Reviewer Comment (2024-03-01): The client elects to waive. |  |  | 03/01/2024 | 2 | B | B | xxxxxx | xxxxxx | Investment | Purchase | C B | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 806745 | xxxxxx | 30064396 | xxxxxx | 03/05/2024 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Initial - Lender's is incomplete |  | The initial application is not signed or dated. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | Reviewer Comment (2024-03-01): The client elects to waive. |  |  | 03/01/2024 | 2 | B | B | xxxxxx | xxxxxx | Investment | Purchase | C B | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 806745 | xxxxxx | 30068525 | xxxxxx | 03/05/2024 | Compliance | Compliance | County Compliance | State Defect | (County High Cost Provision) xxxxxx County Predatory Loan (Financed Fees Exceeds Threshold) | xxxxxx County Predatory Loan: Lender financed points and fees in excess of 6%. |  |  |  | Reviewer Comment (2024-03-01): The client elects to waive. |  |  | 03/01/2024 | 2 | B | B | xxxxxx | xxxxxx | Investment | Purchase | C B | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 806745 | xxxxxx | 30084054 | xxxxxx | 03/05/2024 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx Third Party Verification | Verification of SE is required within 10 days of closing. A VVOE is not acceptable. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | Reviewer Comment (2024-03-11): Client elects to waive with verified compensation factors<br>Reviewer Comment (2024-03-06): A VVOE is no allowed, the business entity listing doe snot reflect a pull date, and the CPA letter is dated > 10 days from closing. |  |  | 03/11/2024 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Purchase | C B | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 833509 | xxxxxx | 34156103 | xxxxxx | 08/12/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  | Reviewer Comment (2025-08-14): Received Approval . Exception cleared. | 08/14/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833509 | xxxxxx | 34156216 | xxxxxx | 08/12/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | The property is located in FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after xxxxxx declared end date. |  |  | Reviewer Comment (2025-08-15): A Completion Cert was provided. | 08/15/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833509 | xxxxxx | 34163224 | xxxxxx | 08/12/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Missing for xxxxxx. |  |  | Reviewer Comment (2025-09-05): Received Operating Agreement for xxxxxx. Exception Cleared.<br>Reviewer Comment (2025-08-14): Received Operating Agreement for xxxxxx. However required Operating Agreement for xxxxxx. Exception remains. | 09/05/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833509 | xxxxxx | 34163226 | xxxxxx | 08/12/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | Missing for xxxxxx. |  |  | Reviewer Comment (2025-09-05): Received Corporate Resolution. Exception cleared. | 09/05/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833509 | xxxxxx | 34163248 | xxxxxx | 08/12/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Trust Agreement not provided |  | Missing for xxxxxx. |  |  | Reviewer Comment (2025-09-05): Received Trust Agreement. Exception cleared. | 09/05/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833509 | xxxxxx | 34363830 | xxxxxx | 09/05/2025 | Credit | Guideline | Guideline Issue | Guideline | The Guarantor's Percent of Business Ownership does not meet guideline requirements. | Borrower: xxxxxx , Borrower: xxxxxx % of Business Ownership: 33.33%<br> % of Business Ownership: 15.24% | Per guidelines, personal guaranties must be provided by member(s)/manager(s) representing at least 50% ownership of the entity. However both borrower are only 48.57% owner of the business. |  |  | Reviewer Comment (2025-09-05): Both borrowers has more than 50% ownership. Exception raised in error. Therefore cleared. | 09/05/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 833728 | xxxxxx | 34075206 | xxxxxx | 08/04/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Incorrect mortgage loan information reflecting for primary property (xxxxxx) as mortgage account xxxxxx is of property (xxxxxx) as per mortgage statements and VOM. |  |  | Reviewer Comment (2025-08-11): Received document from county reflecting the address was changed from xxxxxx. Exception cleared. | 08/11/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 834780 | xxxxxx | 34302685 | xxxxxx | 09/02/2025 | Credit | Collateral | Missing/Incorrect | Collateral | Missing document: Lease on leasehold property is not in file |  | Provide Leasehold Agreement (and Memorandum of Sublease). As per Title report and Appraisal the property is a Leasehold. Ground Rent to be added to ratios. |  |  | Reviewer Comment (2025-09-10): Received an active lease agreement from xxxxxx and ground rent $186.94 (D0682) is added to the DTI ratios. Exception cleared.<br>Reviewer Comment (2025-09-05): The document requested is for Leasehold Agreement (and Memorandum of Sublease), since the property is a Leasehold. Exception remains. | 09/10/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 834780 | xxxxxx | 34302693 | xxxxxx | 09/02/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor Exception : Non-warrantable condo project with 65% Investor concentration (Max 60%). | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Credit Score 30+ points > minimum required | Reviewer Comment (2025-08-28): Client elects to waive with verified compensation factors |  |  | 08/28/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Purchase | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 834780 | xxxxxx | 34302698 | xxxxxx | 09/02/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  |  | Reviewer Comment (2025-09-04): Received Final Title Policy. Exception cleared. | 09/04/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Investment | Purchase | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 834780 | xxxxxx | 34302699 | xxxxxx | 09/02/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx or xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  | Reviewer Comment (2025-09-04): Received Final Title Policy. Exception cleared. | 09/04/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Investment | Purchase | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 834780 | xxxxxx | 34317224 | xxxxxx | 09/02/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide the Final Settlement Statement for the 1031 exchange property on xxxxxx to support the xxxxxx mortgage lien on credit was paid in full. |  |  | Reviewer Comment (2025-09-04): Final stamped settlement statement provided with lien paid. | 09/04/2025 |  |  | 1 | C A | C A D | xxxxxx | xxxxxx | Investment | Purchase | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 834780 | xxxxxx | 34317239 | xxxxxx | 09/02/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: HOA Questionnaire not provided |  | Provide the updated HOA questionnaire with the litigation question answered as Yes. (Left blank and HOA is in litigation). |  |  | Reviewer Comment (2025-09-16): Received updated HOA questionnaire and litigation document. Exception cleared. | 09/16/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 834780 | xxxxxx | 34317316 | xxxxxx | 09/02/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide the Business Purpose Cert. |  |  | Reviewer Comment (2025-09-05): Received Business Purpose Certificate. Exception cleared. | 09/05/2025 |  |  | 1 | C A | C A D | xxxxxx | xxxxxx | Investment | Purchase | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 834780 | xxxxxx | 34317348 | xxxxxx | 09/02/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | HOA project is involved in litigation. |  | Investor exception: HOA is in active litigation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Credit Score 30+ points > minimum required | Reviewer Comment (2025-08-28): Client elects to waive with verified compensation factors. Per the Client, Litigation is not applicable to subject or borrower and is not strucutural. |  |  | 08/28/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Purchase | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 836709 | xxxxxx | 34351876 | xxxxxx | 09/09/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Insufficient reserves |  |  | Reviewer Comment (2025-09-15): Updated bank statement provided. Used assets up until closing. | 09/15/2025 |  |  | 1 | B A C | B A C | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation C B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 836709 | xxxxxx | 34351880 | xxxxxx | 09/09/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Reinspection Fee. Fee Amount of $350.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (7552) |  |  |  | Reviewer Comment (2025-09-03): Sufficient Cure Provided At Closing |  | 09/03/2025 |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 836709 | xxxxxx | 34351882 | xxxxxx | 09/09/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $2,134.00 exceeds tolerance of $2,118.00. Sufficient or excess cure was provided to the borrower at Closing. (8304) |  |  |  | Reviewer Comment (2025-09-03): Sufficient Cure Provided At Closing |  | 09/03/2025 |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 836709 | xxxxxx | 34351897 | xxxxxx | 09/09/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Prepayment Penalty | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on xxxxxx incorrectly disclosed whether the loan contains a Prepayment Penalty. (Final xxxxxx) | Final CD xxxxxx does not reflect the prepayment penalty amount due to which the field left blank. |  |  | Reviewer Comment (2025-09-08): Client elects to waive |  |  | 09/08/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 836709 | xxxxxx | 34351928 | xxxxxx | 09/09/2025 | Compliance | Compliance | Miscellaneous Compliance | TILA | Prepayment Penalty Discrepancy | Final TIL / CD indicates loan has PPP, however file does not contain prepayment penalty addendum. Missing prepay data may result in invalid high cost, xxxxxx, and/or QM points and fees findings. | Final CD reflecting Prepayment penalty as yes however no PPP document is provided. |  |  | Reviewer Comment (2025-09-08): Client elects to waive |  |  | 09/08/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836709 | xxxxxx | 34352006 | xxxxxx | 09/09/2025 | 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. | Insufficient reserves |  |  | Reviewer Comment (2025-09-15): Updated bank statement provided. Used assets up until closing. | 09/15/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 836709 | xxxxxx | 34367773 | xxxxxx | 09/09/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 2.22 is less than Guideline PITIA months reserves of 3.00. | Insufficient reserves |  |  | Reviewer Comment (2025-09-15): Updated bank statement provided. Used assets up until closing. | 09/15/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 837390 | xxxxxx | 34051048 | xxxxxx | 07/31/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | Policy has xxxxxx and Note has xxxxxx. |  |  | Reviewer Comment (2025-08-06): Received corrected hazard insurance policy. Exception cleared. | 08/06/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 837390 | xxxxxx | 34051055 | xxxxxx | 07/31/2025 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Flood Certificate has xxxxxx and Note has xxxxxx. |  |  | Reviewer Comment (2025-08-07): Updated Flood Cert provided | 08/07/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 837390 | xxxxxx | 34051077 | xxxxxx | 07/31/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Appraisal / Valuation Report date: xxxxxx, Valuation Type: Desk Review / Valuation Report date: xxxxxx | Appraisal and CDA has xxxxxx and Note has xxxxxx. |  |  | Reviewer Comment (2025-08-21): Updated Appraisal and CDA provided | 08/21/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 837390 | xxxxxx | 34051105 | xxxxxx | 07/31/2025 | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. | Credit Report: Original // Borrower: xxxxxx | Guidelines say 120 days and matrix 90 days. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | DSCR > 1.00 | Reviewer Comment (2025-08-20): Client elects to waive with verified compensation factors |  |  | 08/20/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 837390 | xxxxxx | 34061241 | xxxxxx | 07/31/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $55,600.00. Provide updated policy reflecting minimum coverage of $xxxxxx OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  | Reviewer Comment (2025-08-19): RCE provided<br>Reviewer Comment (2025-08-06): Received same hazard insurance document which was already provided. Please provide the document requested on the original condition. Exception remains. | 08/19/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 837390 | xxxxxx | 34061387 | xxxxxx | 07/31/2025 | Credit | Guideline | Guideline Issue | Guideline | Experience level does not meet the guideline requirements for an experienced investor. |  | Investor exception to allow for first time investor to have a cash out refinance. Cash-out transactions are not eligible. However comp factors are incorrect. FICO is not 30+ above the max as 720 is required for an escrow waiver. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | DSCR > 1.00 | Reviewer Comment (2025-08-04): Client elects to waive with verified compensation factors |  |  | 08/04/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 837390 | xxxxxx | 34100717 | xxxxxx | 07/31/2025 | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Subject is a refinance and property is listed for sale. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Provide the date the property listing was withdrawn. Must be dated prior to the Note date. |  |  | Reviewer Comment (2025-08-05): MLS listing removed xxxxxx . Later listed for rent and removed xxxxxx . Removed from listed for sale prior to Note date. | 08/05/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 837390 | xxxxxx | 34100728 | xxxxxx | 07/31/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Non-Owner Occupancy Declaration not provided |  | Occupancy Certificate does not have Refinance only checked. |  |  | Reviewer Comment (2025-08-21): All pages of the occupancy cert were provided<br>Reviewer Comment (2025-08-14): Received Occupancy Certificate is missing page 3. Provide all pages of Occupancy Certificate. Exception remains. | 08/21/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 837418 | xxxxxx | 34515426 | xxxxxx | 09/23/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Refinance only is not checked on the occupancy certificate. |  |  | Reviewer Comment (2025-09-25): Received updated occupancy certificate. Exception cleared. | 09/25/2025 |  |  | 1 | C A | C A D | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B A | C | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 837418 | xxxxxx | 34515504 | xxxxxx | 09/23/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $9,240.00 exceeds tolerance of $9,000.00. $240.00 over legal limit. Insufficient or no cure was provided to the borrower. (7200) | Loan Discount Fee was last disclosed as $9,000.00 on the Loan Estimate, but was disclosed as $9,240.00 on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $240.00, a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  |  | Reviewer Comment (2025-09-25): SitusAMC received valid COC document | 09/25/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 837418 | xxxxxx | 34515505 | xxxxxx | 09/23/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $120.00 exceeds tolerance of $0.00. $120.00 over legal limit. Insufficient or no cure was provided to the borrower. (75106) | Collateral Desktop Fee was not disclosed on the Loan Estimate, but was disclosed as $120.00 on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $120.00, a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  |  | Reviewer Comment (2025-10-03): SitusAMC Received Corrected PCCD, LOE, Refund Check and Proof of Mailing.<br>Reviewer Comment (2025-09-25): SitusAMC received PCCD, LOE and copy of refund check. Missing proof of mailing. Please provide proof of mailing and also PCCD provided doesn't reflect cure amount on inner column of sec J. Please provide corrected PCCD and proof of mailing to cure the exception. |  | 10/03/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 837418 | xxxxxx | 34527905 | xxxxxx | 09/23/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | The housing history for the subject property does not appear on credit. Supplement, 6 month pay history and payoff provided. Provide a copy of the Note or most recent mortgage statement. |  |  | Reviewer Comment (2025-10-03): Received mortgage statement. Exception cleared. | 10/03/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B A | C | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 837418 | xxxxxx | 34637440 | xxxxxx | 10/03/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $120.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower. (75106) |  |  |  | Reviewer Comment (2025-10-03): Sufficient Cure Provided within 60 Days of Closing |  | 10/03/2025 |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) B A | C | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 838442 | xxxxxx | 33665775 | xxxxxx | 06/20/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Commitment |  |  |  | Reviewer Comment (2025-08-04): FTP provided | 08/04/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 838442 | xxxxxx | 33706220 | xxxxxx | 06/20/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | HOA project is involved in litigation. |  | HOA is in litigation. Lien placed by xxxxxx. There is an email trail regarding work completion for xxxxxx but makes no mention of this or if the lien has been removed or the xxxxxx. |  |  | Reviewer Comment (2025-08-07): Clear final title and updated HOA cert provided reflecting no active litigation<br>Reviewer Comment (2025-08-04): The FTP does not clear this condition. The HOA will need to state they are no longer in litigation as this is an RA requirement.<br>Reviewer Comment (2025-07-02): Partial release of code enforcement lien provided, however evidence needs to be provided the HOA is no longer in litigation as this is an RA requirement. | 08/07/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 838465 | xxxxxx | 34046612 | xxxxxx | 07/30/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participants, authorized signor for seller, xxxxxx, was not included in the report. |  |  | Reviewer Comment (2025-08-04): Received updated Fraud report including the missing participant. Exception cleared. | 08/04/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 838753 | xxxxxx | 34279555 | xxxxxx | 08/29/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $443.84 exceeds tolerance of $443.00. Insufficient or no cure was provided to the borrower. (8304) | Cure nor valid COC provided |  |  | Reviewer Comment (2025-09-12): SitusAMC received PCCD, LOE & copy of refund check.<br>Reviewer Comment (2025-09-04): Erroneously cancelled.<br>Reviewer Comment (2025-09-04): Upon further review the fee is within tolerance limit. |  | 09/12/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | B C A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 838753 | xxxxxx | 34279580 | xxxxxx | 08/29/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | Valuation Type: Appraisal / Valuation Report date: xxxxxx |  |  |  | Reviewer Comment (2025-09-05): Received 1004D. Exception cleared. | 09/05/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838753 | xxxxxx | 34282107 | xxxxxx | 08/29/2025 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of 707 is less than Guideline representative FICO score of 720. | Minimum FICO required for Closed End in xxxxxx is 720. Investor exception in file. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years. |  | Reviewer Comment (2025-08-27): Client elects to waive with verified compensation factors |  |  | 08/27/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838753 | xxxxxx | 34282358 | xxxxxx | 08/29/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a xxxxxx/xxxxxx form and does not contain the following clauses: | Homestead Exemption Waiver |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years. |  | Reviewer Comment (2025-08-27): Client elects to waive |  |  | 08/27/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838753 | xxxxxx | 34312459 | xxxxxx | 08/29/2025 | 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. | Existence of the borrower's business is to be verified within 90 days prior to the Note date, through one of the following:<br> • Third party verification from licensed tax preparer, regulatory agency, or applicable licensing bureau, or<br> • Internet screenshot displaying the phone listing and address verification of the borrower's business, or<br> • A business bank statement dated within 90 days of the Note date for income used in qualification. A VVOE is not acceptable. |  |  | Reviewer Comment (2025-09-24): CPA letter provided<br>Reviewer Comment (2025-09-18): The signed and dated CPA letter is dated post close and not acceptable. The CPA letter dated prior to closing is not signed by the preparer as well as the email provided is dated post close.<br>Reviewer Comment (2025-09-15): An unsigned tax preparer letter is not acceptable. Provide the signed tax preparer letter dated at closing by preparer xxxxxx as well as the email provided is dated post close and not acceptable.<br>Reviewer Comment (2025-09-09): The tax preparer email is dated post close and not acceptable. As well as verification in the email is for xxxxxx which is not the business listed on the Schedule C. | 09/24/2025 |  |  | 1 | B A C | B A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | C | B C A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 838753 | xxxxxx | 34312460 | xxxxxx | 08/29/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Schedule C Test | Ability-to-Repay (Dodd-Frank 2014): Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. (xxxxxx, xxxxxx /Schedule C) | Existence of the borrower's business is to be verified within 90 days prior to the Note date, through one of the following:<br> • Third party verification from licensed tax preparer, regulatory agency, or applicable licensing bureau, or<br> • Internet screenshot displaying the phone listing and address verification of the borrower's business, or<br> • A business bank statement dated within 90 days of the Note date for income used in qualification. A VVOE is not acceptable. |  |  | Reviewer Comment (2025-09-24): CPA letter provided<br>Reviewer Comment (2025-09-18): The signed and dated CPA letter is dated post close and not acceptable. The CPA letter dated prior to closing is not signed by the preparer as well as the email provided is dated post close.<br>Reviewer Comment (2025-09-15): An unsigned tax preparer letter is not acceptable. Provide the signed tax preparer letter dated at closing by preparer xxxxxx as well as the email provided is dated post close and not acceptable.<br>Reviewer Comment (2025-09-09): The tax preparer email is dated post close and not acceptable. As well as verification in the email is for xxxxxx which is not the business listed on the Schedule C. | 09/24/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838753 | xxxxxx | 34312461 | xxxxxx | 08/29/2025 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Existence of the borrower's business is to be verified within 90 days prior to the Note date, through one of the following:<br> • Third party verification from licensed tax preparer, regulatory agency, or applicable licensing bureau, or<br> • Internet screenshot displaying the phone listing and address verification of the borrower's business, or<br> • A business bank statement dated within 90 days of the Note date for income used in qualification. A VVOE is not acceptable. |  |  | Reviewer Comment (2025-09-24): CPA letter provided | 09/24/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838753 | xxxxxx | 34312462 | xxxxxx | 08/29/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $295.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75103) | Cure nor valid COC provided |  |  | Reviewer Comment (2025-09-04): SitusAMC received a valid COC. | 09/04/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | B C A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 838753 | xxxxxx | 34312492 | xxxxxx | 08/29/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx Third Party Verification | Existence of the borrower's business is to be verified within 90 days prior to the Note date, through one of the following:<br> • Third party verification from licensed tax preparer, regulatory agency, or applicable licensing bureau, or<br> • Internet screenshot displaying the phone listing and address verification of the borrower's business, or<br> • A business bank statement dated within 90 days of the Note date for income used in qualification. A VVOE is not acceptable. |  |  | Reviewer Comment (2025-09-24): CPA letter provided<br>Reviewer Comment (2025-09-18): The signed and dated CPA letter is dated post close and not acceptable. The CPA letter dated prior to closing is not signed by the preparer as well as the email provided is dated post close.<br>Reviewer Comment (2025-09-15): An unsigned tax preparer letter is not acceptable. Provide the signed tax preparer letter dated at closing by preparer xxxxxx as well as the email provided is dated post close and not acceptable.<br>Reviewer Comment (2025-09-09): The tax preparer email is dated post close and not acceptable. As well as verification in the email is for xxxxxx which is not the business listed on the Schedule C. | 09/24/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838753 | xxxxxx | 34312497 | xxxxxx | 08/29/2025 | 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. | Existence of the borrower's business is to be verified within 90 days prior to the Note date, through one of the following:<br> • Third party verification from licensed tax preparer, regulatory agency, or applicable licensing bureau, or<br> • Internet screenshot displaying the phone listing and address verification of the borrower's business, or<br> • A business bank statement dated within 90 days of the Note date for income used in qualification. A VVOE is not acceptable. |  |  | Reviewer Comment (2025-09-24): CPA letter provided<br>Reviewer Comment (2025-09-18): The signed and dated CPA letter is dated post close and not acceptable. The CPA letter dated prior to closing is not signed by the preparer as well as the email provided is dated post close.<br>Reviewer Comment (2025-09-15): An unsigned tax preparer letter is not acceptable. Provide the signed tax preparer letter dated at closing by preparer xxxxxx as well as the email provided is dated post close and not acceptable.<br>Reviewer Comment (2025-09-09): The tax preparer email is dated post close and not acceptable. As well as verification in the email is for xxxxxx which is not the business listed on the Schedule C. | 09/24/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 838753 | xxxxxx | 34355642 | xxxxxx | 09/04/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $443.84 exceeds tolerance of $443.00. Sufficient or excess cure was provided to the borrower at Closing. (8304) |  |  |  | Reviewer Comment (2025-09-04): Sufficient Cure Provided At Closing |  | 09/04/2025 |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B | C | B C A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 839520 | xxxxxx | 33996034 | xxxxxx | 07/24/2025 | 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 |  |  |  | Reviewer Comment (2025-09-15): Cure documentation received, LOE/Choice Letter signed by the borrower confirming cure method chosen, Copy of Check/Refund, and proof of delivery. Loan no longer high-cost.<br>Reviewer Comment (2025-09-09): The disclosure attached is not the HOEPA disclosure as well as this is due to the HOEPA violation. An unexecuted choice letter with no choice provided is not acceptable as well as none of the other HOEPA cure provisions were provided. | 09/15/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 839520 | xxxxxx | 33996035 | xxxxxx | 07/24/2025 | 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. |  |  |  | Reviewer Comment (2025-09-15): Cure documentation received, LOE/Choice Letter signed by the borrower confirming cure method chosen, Copy of Check/Refund, and proof of delivery. Loan no longer high-cost.<br>Reviewer Comment (2025-09-09): The disclosure attached is not the HOEPA disclosure as well as this is due to the HOEPA violation. An unexecuted choice letter with no choice provided is not acceptable as well as none of the other HOEPA cure provisions were provided. | 09/15/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 839520 | xxxxxx | 33996036 | xxxxxx | 07/24/2025 | 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 5.11907% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of xxxxxx on a Federal Total Loan Amount of xxxxxx vs. an allowable total of xxxxxx (an overage of xxxxxx or .11907%). Non-Compliant High Cost Loan. |  |  |  | Reviewer Comment (2025-09-15): Cure documentation received, LOE/Choice Letter signed by the borrower confirming cure method chosen, Copy of Check/Refund, and proof of delivery. Loan no longer high-cost.<br>Reviewer Comment (2025-09-09): The disclosure attached is not the HOEPA disclosure as well as this is due to the HOEPA violation. An unexecuted choice letter with no choice provided is not acceptable as well as none of the other HOEPA cure provisions were provided. |  | 09/15/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 839520 | xxxxxx | 33996037 | xxxxxx | 07/24/2025 | 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. |  |  |  | Reviewer Comment (2025-09-15): Cure documentation received, LOE/Choice Letter signed by the borrower confirming cure method chosen, Copy of Check/Refund, and proof of delivery. Loan no longer high-cost.<br>Reviewer Comment (2025-09-09): The disclosure attached is not the HOEPA disclosure as well as this is due to the HOEPA violation. An unexecuted choice letter with no choice provided is not acceptable as well as none of the other HOEPA cure provisions were provided. | 09/15/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 839520 | xxxxxx | 33996038 | xxxxxx | 07/24/2025 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (ATR - Income: Schedule C) | 2014 High-Cost Mortgage (Closed-end ATR): Unable to verify Sole Proprietorship income using reasonably reliable third-party records. (xxxxxx/Schedule C) | 1) 2024 tax returns are not signed and dated by the borrower 2) Third party verification of SE not provided within 90 days of the Note date. |  |  | Reviewer Comment (2025-09-11): Received internet search dated within 90 days prior to the Note which meets guideline requirements<br>Reviewer Comment (2025-09-10): Received executed tax returns. The internet search for business does not have a pull date. Must be within 90 days prior to closing.<br>Reviewer Comment (2025-07-28): EXCEPTION HISTORY - Exception Detail was updated on xxxxxx PRIOR Exception Detail: 2014 High-Cost Mortgage (Closed-end ATR): Unable to verify Sole Proprietorship income using reasonably reliable third-party records. (xxxxxx/Schedule C) | 09/11/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 839520 | xxxxxx | 33996039 | xxxxxx | 07/24/2025 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (ATR - Employment: Wages / W-2) | 2014 High-Cost Mortgage (Closed-end ATR): Unable to verify current Wages / W-2 employment status using reasonably reliable third-party records. (xxxxxx/Wages) |  |  |  | Reviewer Comment (2025-07-28): VVOE dated within 10 days prior to closing provided | 07/28/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 839520 | xxxxxx | 33996041 | xxxxxx | 07/24/2025 | Compliance | Compliance | State Compliance | State Defect | (State High Cost Provision) xxxxxx Covered Loan (Ability to Repay not Verified) | xxxxxx Covered Loan: File does not contain evidence that analysis of borrower's ability to repay was performed based on verified income, obligations, assets, and/or employment using the fully-indexed rate, if applicable. |  |  |  | Reviewer Comment (2025-09-15): Cure documents received. Loan is no longer high-cost.<br>Reviewer Comment (2025-09-10): Email to investor about escalated review: In speaking with our compliance team, they are going to need an attestation from the lender for review as to the chain of events that transpired with the refund check and not being picked up by the carrier until xxxxxx due to the cure provisions expiring on xxxxxx See chain of events below. Once received, they will review to determine if the xxxxxx conditions can be cured. Also, I was just informed that refund for the xxxxxx would also cure the HOEPA violations as well (an additional refund would not be needed), as long as we get the signed and dated choice letter back with hopefully, the borrower's choice of accepting the refund and not keeping the loan high cost. xxxxxx for the confusion on this.<br>Reviewer Comment (2025-09-08): Received investor approval and attorney opinion letter. Still pending receipt of LOE from lender on procedures or explanation of controls in place to prevent such errors and evidence of delivery. Label still only reflects label created and must reflect at minimum in transit. Until all requirements are received, we cannot escalate this for review. | 09/15/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 839520 | xxxxxx | 33996042 | xxxxxx | 07/24/2025 | Compliance | Compliance | State Compliance | State Defect | (State High Cost) xxxxxx Covered Loan (Points and Fees) | xxxxxx Anti-Predatory Lending Statute: Points and Fees on subject loan of 6.56790% is in excess of the allowable maximum of 6.00000% of the Total Loan Amount. Points and Fees total xxxxxx on a Total Loan Amount of xxxxxx vs. an allowable total of xxxxxx (an overage of xxxxxx or .56790%). Non-Compliant High Cost Loan. |  |  |  | Reviewer Comment (2025-09-15): Cure documentation received<br>Reviewer Comment (2025-09-10): Email to investor about escalated review: In speaking with our compliance team, they are going to need an attestation from the lender for review as to the chain of events that transpired with the refund check and not being picked up by the carrier until xxxxxx due to the cure provisions expiring on xxxxxx See chain of events below. Once received, they will review to determine if the xxxxxx conditions can be cured. Also, I was just informed that refund for the xxxxxx would also cure the HOEPA violations as well (an additional refund would not be needed), as long as we get the signed and dated choice letter back with hopefully, the borrower's choice of accepting the refund and not keeping the loan high cost. xxxxxx for the confusion on this.<br>Reviewer Comment (2025-09-08): Received investor approval and attorney opinion letter. Still pending receipt of LOE from lender on procedures or explanation of controls in place to prevent such errors and evidence of delivery. Label still only reflects label created and must reflect at minimum in transit. Until all requirements are received, we cannot escalate this for review. |  | 09/15/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | (Limited Use Bona Fide Errors - Compliance and Client Approval Required) Within 45 days of discovery, 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 high-cost threshold maximum; and (6) proof of mailing (must be in transit with courier). Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 839520 | xxxxxx | 33996077 | xxxxxx | 07/24/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-2 | Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. (xxxxxx/Wages) | The provided VVOE in file is not signed or dated. To verify the employment status, provide a YTD paystub dated within 30 days of Note date or a VVOE dated no more than 10 days prior to Note date. |  |  | Reviewer Comment (2025-07-28): VVOE dated within 10 days prior to closing provided | 07/28/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 839520 | xxxxxx | 33996079 | xxxxxx | 07/24/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $123.60 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75106) | The Collateral Desktop Analysis Fee was not disclosed on Initial Loan Estimate and was later disclosed on the Loan Estimate dated xxxxxx as $124.00. Provided COC in file is unacceptable due to invalid reason for the increase in Fee. |  |  | Reviewer Comment (2025-09-15): SitusAMC received PCCD, LOE, proof of mailing & copy of refund check.<br>Reviewer Comment (2025-09-12): SitusAMC received PCCD, LOE & copy of refund check. xxxxxx tracking indicates label has been created, but package has not been shipped. Also, PCCD provided has only 4 pages 5th page of PCCD is missing. Proof of mailing and PCCD all pages are required to cure. |  | 09/15/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 839520 | xxxxxx | 33996080 | xxxxxx | 07/24/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $122.39 exceeds tolerance of $95.00. Insufficient or no cure was provided to the borrower. (7520) | The Credit Report Fee was disclosed as $95.00 on Initial Loan Estimate and was later disclosed on the Loan Estimate dated xxxxxx as $122.00. Provided COC in file is unacceptable due to invalid reason for the increase in Fee. |  |  | Reviewer Comment (2025-09-15): SitusAMC received PCCD, LOE, proof of mailing & copy of refund check.<br>Reviewer Comment (2025-09-12): SitusAMC received PCCD, LOE & copy of refund check. xxxxxx tracking indicates label has been created, but package has not been shipped. Also, PCCD provided has only 4 pages 5th page of PCCD is missing. Proof of mailing and PCCD all pages are required to cure. |  | 09/15/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 839520 | xxxxxx | 33996085 | xxxxxx | 07/24/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a xxxxxx/xxxxxx form and does not contain the following clauses: | Homestead Exemption Waiver |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has worked in the same position for more than 3 years. |  | Reviewer Comment (2025-07-23): Client elects to waive |  |  | 07/23/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 839520 | xxxxxx | 33996094 | xxxxxx | 07/24/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx Third Party Verification | 1) 2024 tax returns are not signed and dated by the borrower 2) Third party verification of SE not provided within 90 days of the Note date. |  |  | Reviewer Comment (2025-09-11): Received internet search dated within 90 days prior to the Note which meets guideline requirements<br>Reviewer Comment (2025-09-10): Received executed tax returns. The internet search for business does not have a pull date. Must be within 90 days prior to closing.<br>Reviewer Comment (2025-07-28): EXCEPTION HISTORY - Exception Explanation was updated on xxxxxx PRIOR Exception Explanation: YTD Paystub / Bank Statement | 09/11/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 839520 | xxxxxx | 33996136 | xxxxxx | 07/24/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | Provide Approval or 1008 to verify the loan terms as it is missing in the file. |  |  | Reviewer Comment (2025-07-25): Approval provided | 07/25/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 839520 | xxxxxx | 33996152 | xxxxxx | 07/24/2025 | 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. | 1) 2024 tax returns are not signed and dated by the borrower 2) Third party verification of SE not provided within 90 days of the Note date. |  |  | Reviewer Comment (2025-09-11): Received internet search dated within 90 days prior to the Note which meets guideline requirements<br>Reviewer Comment (2025-09-10): Received executed tax returns. The internet search for business does not have a pull date. Must be within 90 days prior to closing. | 09/11/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 839520 | xxxxxx | 34063986 | xxxxxx | 07/28/2025 | 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. | 1) 2024 tax returns are not signed and dated by the borrower 2) Third party verification of SE not provided within 90 days of the Note date. |  |  | Reviewer Comment (2025-09-11): Received internet search dated within 90 days prior to the Note which meets guideline requirements<br>Reviewer Comment (2025-09-10): Received executed tax returns. The internet search for business does not have a pull date. Must be within 90 days prior to closing. | 09/11/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 839660 | xxxxxx | 33632975 | xxxxxx | 06/17/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  | Reviewer Comment (2025-08-13): Received Lender's Approval. Exception cleared. | 08/13/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 839660 | xxxxxx | 33632982 | xxxxxx | 06/17/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | The housing history for the subject property was not provided. Borrowers are Foreign Nationals. Payoff provided. Provide the 12 month housing history and a copy of the Note or Mortgage Statement. |  |  | Reviewer Comment (2025-08-15): The Note and housing history were provided.<br>Reviewer Comment (2025-07-01): Received Mortgage, however the document requested is for copy of the Note or Mortgage Statement and proof of borrower's payment for the most recent 6-months. Exception remains.<br>Reviewer Comment (2025-06-19): Received VOM for subject property. However pending receipt of a copy of the Note or Mortgage Statement and proof of borrower's payment for the most recent 6-months. Exception remains. | 08/15/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 839660 | xxxxxx | 33632992 | xxxxxx | 06/17/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud Report not provided for xxxxxx. |  |  | Reviewer Comment (2025-07-28): Received Background Check. Exception cleared.<br>Reviewer Comment (2025-07-07): No results is not acceptable. A full fraud report or comprehensive fraud report is required on xxxxxx as required per guidelines. A full report comprehensive fraud report was run on xxxxxx. If a full report cannot be provided, then the investor will need to consider waiving with verified compensation factors.<br>Reviewer Comment (2025-06-24): The document requested is for Full Fraud Report for borrower, xxxxxx. Exception remains.<br>Reviewer Comment (2025-06-19): Received VOM and OFAC search. However the document requested is for the Fraud Report for borrower, xxxxxx. Exception remains. | 07/28/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 839660 | xxxxxx | 33632996 | xxxxxx | 06/17/2025 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Flood Cert is missing xxxxxx. |  |  | Reviewer Comment (2025-06-23): Updated flood cert provided | 06/23/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 839660 | xxxxxx | 33633030 | xxxxxx | 06/17/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Commitment |  |  |  | Reviewer Comment (2025-08-15): The TPOL was provided. | 08/15/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 839660 | xxxxxx | 33633052 | xxxxxx | 06/17/2025 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of xxxxxx is less than the note amount of xxxxxx based on the Commitment in file. |  |  |  | Reviewer Comment (2025-08-15): The TPOL was provided with the updated policy amount<br>Reviewer Comment (2025-07-08): The same document was provided that was provided on xxxxxx Please review the previous comments: MUTC is not acceptable as there is no indication the title company did this. Provided title supplement, updated later dated title policy, or the final title policy. Or provide an email from title indication they provided the MUTC.<br>Reviewer Comment (2025-06-23): MUTC is not acceptable as there is no indication the title company did this. Provided title supplement, updated later dated title policy, or the final title policy. Or provide an email from title indication they provided the MUTC. | 08/15/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 839732 | xxxxxx | 34155555 | xxxxxx | 08/11/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  |  | Reviewer Comment (2025-08-12): Received Business Purpose Certificate. Exception cleared. | 08/12/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 839732 | xxxxxx | 34155556 | xxxxxx | 08/11/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided |  |  |  |  | Reviewer Comment (2025-08-12): Received Business Purpose Certificate for cash-out utilization. Exception cleared. | 08/12/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 839732 | xxxxxx | 34160406 | xxxxxx | 08/11/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Per the HOA questionairre, last building inspection was completed xxxxxx Please provide a copy of the report if inspection was completed within 3 years. |  |  | Reviewer Comment (2025-09-03): Inspection provided<br>Reviewer Comment (2025-09-03): No new documents received. Please try uploading again.<br>Reviewer Comment (2025-08-12): As per the HOA questionnaire in file, the question no. 15 reflects the last building inspection was completed on xxxxxx which is within 3 years of the Note date xxxxxx . Provide a copy of the completed inspection on the xxxxxx. Exception remains. | 09/03/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 839811 | xxxxxx | 34430180 | xxxxxx | 09/12/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx , Borrower: xxxxxx Third Party Verification<br> Third Party Verification | Please provide evidence of the Borrower's business within 90 days of the Note date (for both Borrower's) |  |  | Reviewer Comment (2025-09-24): Received Third Party Verification evidence of the Borrower's business within 90 days of the Note date (for both Borrower's). Exception cleared.<br>Reviewer Comment (2025-09-19): Received SOS search for both borrowers businesses are dated post closing. Existence of the borrower's business is to be verified within 90 days prior to the Note date. Exception remains.<br>Reviewer Comment (2025-09-17): Received internet search and SOS search for xxxxxx. Pending Existence of the borrower's businesses for the following: xxxxxx. Exception remains. | 09/24/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 839853 | xxxxxx | 34197596 | xxxxxx | 08/19/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. Sec ID: 114 | Note date: xxxxxx; Lien Position: 2 |  |  |  | Reviewer Comment (2025-08-22): CU scores provided < 2.5 | 08/22/2025 |  |  | 1 | N/A | N/A D | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | C | B D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 839853 | xxxxxx | 34197757 | xxxxxx | 08/19/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $101,368.45 is over disclosed by $724.74 compared to the calculated Amount Financed of $100,643.71 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 xxxxxx). (Final xxxxxx) | The disclosed Amount Financed in the amount of $101,368.45 is over disclosed by $724.74 . |  |  | Reviewer Comment (2025-10-01): SitusAMC received PCCD, LOE, Copy of Refund Check, Re-opening of Rescission and Proof of Receipt.<br>Reviewer Comment (2025-09-29): Copy of check and proof of delivery missing from remediation package. Please provide a copy of the above documents for review and testing.<br>Reviewer Comment (2025-09-23): SitusAMC received Corrected CD, LOE and proof of principal reduction. However, the cure noted is reflected as a principal reduction which is not allowed on a material disclosure violation and as this is a rescindable transaction, proof of reopening rescission will also be required. Please provide a correced LOE to borrower explaining the violation and that cure will be in the form of a refund check to borrower, proof of mailing of that check for total underdisclosure of $725.91 along with proof of reopening rescission to all consumers. The following regulatory informatoin regarding no principal reduction for cure and reopening of rescission is as follows: The SFA guidance is based, in part on feedback from various law firms and on the ADMINISTRATIVE ENFORCEMENT OF THE TRUTH IN LENDING ACT – RESTITUTION Joint Statement of Policy and corresponding Q&As. Excerpts below: Restitution Provisions - Definitions: Except as provided below, all definitions are those found in the Truth in Lending Act (Act) and Regulation Z, 12 CFR Part 226. 1."Current examination" - the most recent examination begun on or after March 31, 1980, in which compliance with Regulation Z was reviewed. 2."Irregular Mortgage Transaction" means a loan secured by real estate for which the annual percentage rate (APR) cannot be calculated using Volume I of the Federal Reserve System's Truth in Lending, Regulation Z, Annual Percentage Rate Tables. 3. "Lump sum method" means a method of reimbursement in which a cash payment equal to the total adjustment will be made to a consumer. 4. "Lump sum/payment reduction method" means a method of reimbursement in which the total adjustment to a consumer will be made in two stages: a. A cash payment that fully adjusts the consumer's account up to the time of the cash payment; and, b. A reduction of the remaining payment amounts on the loan. Methods of Adjustment: 1. Q. Must reimbursements resulting from understated finance charges always be made as a single "lump sum" amount? A. No. Reimbursements resulting from the creditor's failure to include prepaid finance charges in the total finance charge "Must Always Be Refunded As A Lump Sum Payment", but reimbursements resulting from failure to include finance charge components that accrue over time may be prorated on a straight-line basis (no time value) over the life of the loan and refunded under the lump sum/payment reduction method. & Finance charge is a "material disclosure" for purposes of 1026.23 which provides: (3)(i) The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by paragraph (b) of this section, or delivery of all material disclosures, whichever occurs last. If the required notice or material disclosures are not delivered, the right to rescind shall expire 3 years after consummation. As the finance charge was inaccurate at consummation, the rescission period did not begin until the material disclosures were made accurate. Need reopened rescission (new NORTC form to all parties with rescission rights, same transaction date, but new rescission expiration date printed on the new NORTC dated at least 3 business days from the date the borrower receives the new NORTC).<br>Reviewer Comment (2025-09-16): SitusAMC received lender attestation on services provided in AMC fee. However, some of the services noted as primary for the coordinating the appraisal process and managing appraisal assignment, are not considered 4c7 excludable fees. Relating to appraisals for 4c7 excludable, 4(c)7 iv states: property appraisal fees or fees for inspection to assess the value or condition of the property if the service is performed prior to closing, including fees related to pest-infestation or flood hazard determinations. Coordinating the appraisal processing and managing appraisal assignments are not services to assess the value or condition of the property. If a creditor is uncertain about what portion of a fee to be paid at consummation or loan closing is related to a 4c7 excludable service or if the remaining portion of the AMC fee is primarily for management and other non-4c7 services, the entire fee will be treated as a finance charge. SitusAMC agrees that if the AMC fee charged is primarily for verifying or confirming information connected to the appraisal, the AMC portion would also be excluded from finance charges per Commentary under1026.4(c)(7)-1. If the AMC charge is primarily for verifying or confirming information connected to the appraisal, please provide LOE from AMC provider or signed lender attestation indicating such for documentation in file to support exclusion from finance charges.<br>Reviewer Comment (2025-09-10): If the AMC fee for purposes of selecting an appraiser and coordinating receipt of appraisal or for reviewing, confirming data, and verifying the appraisal report? This is the information we are seeking to determine whether the AMC fee is excludable. Provide lender attestation as to the services included in the fee. Otherwise, if a lump sum charged for several services includes charges that are not excludable, a portion of the total should be allocated to those services and included in the finance charge. If the AMC's fee is primarily for verifying or confirming information connected to the appraisal, please provide an attestation indicating such, otherwise, if a creditor is uncertain about what portion of a fee to be paid at consummation or loan closing is related to a 4c7 excludable service, the entire fee may be treated as a finance charge.Final Rule excerpt provided addresses whether the appraisal and AMC fee should be disclosed separately or as one charge, it does not address consideration of the AMC fee as a finance charge or non-finance charge. Finance Charge determination is based on 1026.4 and SitusAMC agrees that if the AMC fee charged is primarily for verifying or confirming information connected to the appraisal, the AMC portion would also be excluded from finance charges per Commentary under1026.4(c)(7)-1. If the AMC charge is primarily for verifying or confirming information connected to the appraisal, please provide LOE from AMC provider or signed lender attestation indicating such for documentation in file to support exclusion from finance charges.<br>Reviewer Comment (2025-09-05): SitusAMC received Corrected CD and LOE to borrower. Page 3 reflects a cure to borrower for $600.91, however the total underdisclosure was $725.91 and in order to cure this violation, full cure refund must be provided to borrower for the total underdisclosure. Additionally, file is missing copy of cure refund, proof of mailing and proof of reopening of rescission to all consumers as this is a rescindable transaction on a material disclosure violation. Please provide copy of cure refund checks and the mailing of EACH check with tracking for total of $725.91 along with proof of reopening of rescission to all consumers.<br>Reviewer Comment (2025-08-28): SitusAMC received rebuttal regarding AMC fee. However, it appears the finance charge was underdisclosed more than just the AMC fee. Total underdisclosure reflected as $725.91. Compliance report in file is prior to closing and figures are not matching up to actual. The following fees were included in calculation: Discount $1193.55, Tax service $60, Title-CPL $35, Title-Settlement $375, Prepaid Int $637.74 and the AMC fee of $125. In regard to the AMC fee specifically though, The AMC portion could be either – finance charge or non-finance charge. It would depend on what the AMC fee purpose/service is. Is the AMC fee for purposes of selecting an appraiser and coordinating receipt of appraisal or for reviewing, confirming data, and verifying the appraisal report? This is the information we are seeking to determine whether the AMC fee is excludable. Provide lender attestation as to the services included in the fee. Otherwise, if a lump sum charged for several services includes charges that are not excludable, a portion of the total should be allocated to those services and included in the finance charge. If the AMC's fee is primarily for verifying or confirming information connected to the appraisal, please provide an attestation indicating such, otherwise, if a creditor is uncertain about what portion of a fee to be paid at consummation or loan closing is related to a 4c7 excludable service, the entire fee may be treated as a finance charge.Final Rule excerpt provided addresses whether the appraisal and AMC fee should be disclosed separately or as one charge, it does not address consideration of the AMC fee as a finance charge or non-finance charge. Finance Charge determination is based on 1026.4 and SitusAMC agrees that if the AMC fee charged is primarily for verifying or confirming information connected to the appraisal, the AMC portion would also be excluded from finance charges per Commentary under1026.4(c)(7)-1. If the AMC charge is primarily for verifying or confirming information connected to the appraisal, please provide LOE from AMC provider or signed lender attestation indicating such for documentation in file to support exclusion from finance charges. If AMC is documented to not be an APR fee then finance charges are still underdisclosed by $600.91. Unable to determine lender's calculations. |  | 10/01/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | C | B D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 839853 | xxxxxx | 34197758 | xxxxxx | 08/19/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $78,617.15 is under disclosed by $725.91 compared to the calculated Finance Charge of $79,343.06 which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xxxxxx). (Final xxxxxx) | The disclosed Finance Charge in the amount of $78,617.15 is under disclosed by $725.91 |  |  | Reviewer Comment (2025-10-01): SitusAMC received PCCD, LOE, Copy of Refund Check, Re-opening of Rescission and Proof of Receipt.<br>Reviewer Comment (2025-09-29): Copy of check and proof of delivery missing from remediation package. Please provide a copy of the above documents for review and testing.<br>Reviewer Comment (2025-09-23): SitusAMC received Corrected CD, LOE and proof of principal reduction. However, the cure noted is reflected as a principal reduction which is not allowed on a material disclosure violation and as this is a rescindable transaction, proof of reopening rescission will also be required. Please provide a correced LOE to borrower explaining the violation and that cure will be in the form of a refund check to borrower, proof of mailing of that check for total underdisclosure of $725.91 along with proof of reopening rescission to all consumers. The following regulatory informatoin regarding no principal reduction for cure and reopening of rescission is as follows: The SFA guidance is based, in part on feedback from various law firms and on the ADMINISTRATIVE ENFORCEMENT OF THE TRUTH IN LENDING ACT – RESTITUTION Joint Statement of Policy and corresponding Q&As. Excerpts below: Restitution Provisions - Definitions: Except as provided below, all definitions are those found in the Truth in Lending Act (Act) and Regulation Z, 12 CFR Part 226. 1."Current examination" - the most recent examination begun on or after March 31, 1980, in which compliance with Regulation Z was reviewed. 2."Irregular Mortgage Transaction" means a loan secured by real estate for which the annual percentage rate (APR) cannot be calculated using Volume I of the Federal Reserve System's Truth in Lending, Regulation Z, Annual Percentage Rate Tables. 3. "Lump sum method" means a method of reimbursement in which a cash payment equal to the total adjustment will be made to a consumer. 4. "Lump sum/payment reduction method" means a method of reimbursement in which the total adjustment to a consumer will be made in two stages: a. A cash payment that fully adjusts the consumer's account up to the time of the cash payment; and, b. A reduction of the remaining payment amounts on the loan. Methods of Adjustment: 1. Q. Must reimbursements resulting from understated finance charges always be made as a single "lump sum" amount? A. No. Reimbursements resulting from the creditor's failure to include prepaid finance charges in the total finance charge "Must Always Be Refunded As A Lump Sum Payment", but reimbursements resulting from failure to include finance charge components that accrue over time may be prorated on a straight-line basis (no time value) over the life of the loan and refunded under the lump sum/payment reduction method. & Finance charge is a "material disclosure" for purposes of 1026.23 which provides: (3)(i) The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by paragraph (b) of this section, or delivery of all material disclosures, whichever occurs last. If the required notice or material disclosures are not delivered, the right to rescind shall expire 3 years after consummation. As the finance charge was inaccurate at consummation, the rescission period did not begin until the material disclosures were made accurate. Need reopened rescission (new NORTC form to all parties with rescission rights, same transaction date, but new rescission expiration date printed on the new NORTC dated at least 3 business days from the date the borrower receives the new NORTC).<br>Reviewer Comment (2025-09-16): SitusAMC received lender attestation on services provided in AMC fee. However, some of the services noted as primary for the coordinating the appraisal process and managing appraisal assignment, are not considered 4c7 excludable fees. Relating to appraisals for 4c7 excludable, 4(c)7 iv states: property appraisal fees or fees for inspection to assess the value or condition of the property if the service is performed prior to closing, including fees related to pest-infestation or flood hazard determinations. Coordinating the appraisal processing and managing appraisal assignments are not services to assess the value or condition of the property. If a creditor is uncertain about what portion of a fee to be paid at consummation or loan closing is related to a 4c7 excludable service or if the remaining portion of the AMC fee is primarily for management and other non-4c7 services, the entire fee will be treated as a finance charge. SitusAMC agrees that if the AMC fee charged is primarily for verifying or confirming information connected to the appraisal, the AMC portion would also be excluded from finance charges per Commentary under1026.4(c)(7)-1. If the AMC charge is primarily for verifying or confirming information connected to the appraisal, please provide LOE from AMC provider or signed lender attestation indicating such for documentation in file to support exclusion from finance charges.<br>Reviewer Comment (2025-09-10): If the AMC fee for purposes of selecting an appraiser and coordinating receipt of appraisal or for reviewing, confirming data, and verifying the appraisal report? This is the information we are seeking to determine whether the AMC fee is excludable. Provide lender attestation as to the services included in the fee. Otherwise, if a lump sum charged for several services includes charges that are not excludable, a portion of the total should be allocated to those services and included in the finance charge. If the AMC's fee is primarily for verifying or confirming information connected to the appraisal, please provide an attestation indicating such, otherwise, if a creditor is uncertain about what portion of a fee to be paid at consummation or loan closing is related to a 4c7 excludable service, the entire fee may be treated as a finance charge.Final Rule excerpt provided addresses whether the appraisal and AMC fee should be disclosed separately or as one charge, it does not address consideration of the AMC fee as a finance charge or non-finance charge. Finance Charge determination is based on 1026.4 and SitusAMC agrees that if the AMC fee charged is primarily for verifying or confirming information connected to the appraisal, the AMC portion would also be excluded from finance charges per Commentary under1026.4(c)(7)-1. If the AMC charge is primarily for verifying or confirming information connected to the appraisal, please provide LOE from AMC provider or signed lender attestation indicating such for documentation in file to support exclusion from finance charges.<br>Reviewer Comment (2025-09-05): SitusAMC received Corrected CD and LOE to borrower. Page 3 reflects a cure to borrower for $600.91, however the total underdisclosure was $725.91 and in order to cure this violation, full cure refund must be provided to borrower for the total underdisclosure. Additionally, file is missing copy of cure refund, proof of mailing and proof of reopening of rescission to all consumers as this is a rescindable transaction on a material disclosure violation. Please provide copy of cure refund checks and the mailing of EACH check with tracking for total of $725.91 along with proof of reopening of rescission to all consumers.<br>Reviewer Comment (2025-08-28): SitusAMC received rebuttal regarding AMC fee. However, it appears the finance charge was underdisclosed more than just the AMC fee. Total underdisclosure reflected as $725.91. Compliance report in file is prior to closing and figures are not matching up to actual. The following fees were included in calculation: Discount $1193.55, Tax service $60, Title-CPL $35, Title-Settlement $375, Prepaid Int $637.74 and the AMC fee of $125. In regard to the AMC fee specifically though, The AMC portion could be either – finance charge or non-finance charge. It would depend on what the AMC fee purpose/service is. Is the AMC fee for purposes of selecting an appraiser and coordinating receipt of appraisal or for reviewing, confirming data, and verifying the appraisal report? This is the information we are seeking to determine whether the AMC fee is excludable. Provide lender attestation as to the services included in the fee. Otherwise, if a lump sum charged for several services includes charges that are not excludable, a portion of the total should be allocated to those services and included in the finance charge. If the AMC's fee is primarily for verifying or confirming information connected to the appraisal, please provide an attestation indicating such, otherwise, if a creditor is uncertain about what portion of a fee to be paid at consummation or loan closing is related to a 4c7 excludable service, the entire fee may be treated as a finance charge.Final Rule excerpt provided addresses whether the appraisal and AMC fee should be disclosed separately or as one charge, it does not address consideration of the AMC fee as a finance charge or non-finance charge. Finance Charge determination is based on 1026.4 and SitusAMC agrees that if the AMC fee charged is primarily for verifying or confirming information connected to the appraisal, the AMC portion would also be excluded from finance charges per Commentary under1026.4(c)(7)-1. If the AMC charge is primarily for verifying or confirming information connected to the appraisal, please provide LOE from AMC provider or signed lender attestation indicating such for documentation in file to support exclusion from finance charges. If AMC is documented to not be an APR fee then finance charges are still underdisclosed by $600.91. Unable to determine lender's calculations. |  | 10/01/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | C | B D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 839853 | xxxxxx | 34197759 | xxxxxx | 08/19/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Underdisclosed - xxxxxx | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 228.00 on Final Closing Disclosure provided on xxxxxx are underdisclosed (Final xxxxxx) |  |  |  | Reviewer Comment (2025-09-07): SitusAMC received Letter of Explanation & Corrected Closing Disclosure.<br>Reviewer Comment (2025-08-26): SitusAMC received tax certificate however, still the final CD shows xxxxxx non-escrowed property cost amount on page #4. As per file the insurance amount is xxxxxx/month and HOA is xxxxxx/month which equates to estimated Property Costs over Year 1 of $2,401.32. PCCD and LOE required in order to address the exception. |  | 09/07/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B | C | B D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 839853 | xxxxxx | 34197784 | xxxxxx | 08/19/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided |  | Note - Senior Lien and Mortgage and Mortgage Statement not provided. |  |  | Reviewer Comment (2025-08-21): Received Note Senior Lien and Mortgage Statement. Exception cleared. | 08/21/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | C | B D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 839853 | xxxxxx | 34200075 | xxxxxx | 08/19/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a xxxxxx/xxxxxx form and does not contain the following clauses: | Homestead Exemption Waiver |  | Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | Reviewer Comment (2025-08-19): Client elects to waive |  |  | 08/19/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | C | B D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 839853 | xxxxxx | 34200332 | xxxxxx | 08/19/2025 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of xxxxxx is less than the note amount of xxxxxx based on the Commitment in file. |  |  |  | Reviewer Comment (2025-09-02): Email from title with corrections<br>Reviewer Comment (2025-08-26): The incorrect and correct title policies are dated the same. Provide evidence of which was provided last (i.e. email with updates). Closing instructions are not acceptable for this. | 09/02/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | C | B D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 839868 | xxxxxx | 34342846 | xxxxxx | 09/08/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  |  | Reviewer Comment (2025-09-18): Received Credit Report - Gap. Exception cleared.<br>Reviewer Comment (2025-09-15): Received Fraud Report UDM dated xxxxxx . However, the report for borrower xxxxxx is currently frozen. Please provide the Credit Gap report for borrower xxxxxx. Exception remains. | 09/18/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 839868 | xxxxxx | 34342965 | xxxxxx | 09/08/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $625.00 exceeds tolerance of $500.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Lender Cure of $125.00 is reflecting in Final CD. |  |  | Reviewer Comment (2025-09-02): Sufficient Cure Provided At Closing |  | 09/02/2025 |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 839868 | xxxxxx | 34342967 | xxxxxx | 09/08/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxxxx incorrectly disclosed whether the loan will have an escrow account. (Final xxxxxx) | The Final Closing Disclosure, page 4, provided on xxxxxx did not reflect a reason why there is no escrow account. |  |  | Reviewer Comment (2025-09-12): Situsamc Received Letter of Explanation & Corrected Closing Disclosure. |  | 09/12/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 839868 | xxxxxx | 34342987 | xxxxxx | 09/08/2025 | Credit | Guideline | Guideline Issue | Guideline | Borrower has been on current job less than 2 years, and prior employment history was not documented as required. | Borrower: xxxxxx // Employment Type: Employment / Income Type: Wages / Start date: xxxxxx | xxxxxx: Start date with current W2 employer is xxxxxx . Borrower doesn't meet the 2 years of employment history requirement per guidelines. Per the 1003, the borrower was self-employed since xxxxxx , however 2024 nor 2023 tax returns reflect self-employment income. |  |  | Reviewer Comment (2025-09-15): SE income documents provided reflecting borrower was and is still SE per active status of business. SE income not used to qualify. Start date of business xxxxxx. | 09/15/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 839868 | xxxxxx | 34357313 | xxxxxx | 09/08/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the clear title policy. Financing Statement under the UCC with xxxxxx. |  |  | Reviewer Comment (2025-09-18): Internet search provided which reflects companies are one in the same. Paid off on Final CD.<br>Reviewer Comment (2025-09-16): The document provided is not a final CD but post close CD. However, xxxxxx was also on the Final CD. The lien on title is xxxxxx. Provide the clear final title or supplement stating lien will not appear on title. | 09/18/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 839868 | xxxxxx | 34357463 | xxxxxx | 09/08/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx, ID Form 1007 or 1025, with Market Rents | xxxxxx: Per the 1003, primary residence was xxxxxx which is now being utilized as a rental property with rental income used to qualify. Considered a departure residence. 1007 with estimated rents required (Lease + rent / security deposit provided in file). |  |  | Reviewer Comment (2025-09-18): 1007 provided | 09/18/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 839890 | xxxxxx | 33877104 | xxxxxx | 07/15/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Primary address ownership detail checkbox is not checked for Borrower (xxxxxx). |  |  | Reviewer Comment (2025-07-17): Updated 1003 provided | 07/17/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 839890 | xxxxxx | 33877109 | xxxxxx | 07/15/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC searches not run on authorized signor's for seller, xxxxxx. |  |  | Reviewer Comment (2025-07-18): Received Watch List, Fraud and OFAC search is run on the seller. Exception cleared. | 07/18/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 839890 | xxxxxx | 33877224 | xxxxxx | 07/15/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $36,076.00. Provide updated policy reflecting minimum coverage of $xxxxxx OR provide copy of insurer's replacement cost estimate supporting current coverage amount. The checklist of coverage provided does not reflect an address or matches the policy number. |  |  | Reviewer Comment (2025-07-28): Per investor email accepting checklist that matches policy ID under endorsements for 100% replacement cost.<br>Reviewer Comment (2025-07-25): Assigned to investor. Investor to advise if they are accepting documentation.<br>Reviewer Comment (2025-07-23): The dec page reflects dwelling property xxxxxx. Policy ID is xxxxxx and checklist with replacement cost verbiage is xxxxxx and another dec page with xxxxxx. Investor can elect to waive with verified compensation factors or provide agent email from HOI stating 100% replacement cost coverage is included.<br>Reviewer Comment (2025-07-17): Please review the original condition: The checklist of coverage provided does not reflect an address or matches the policy number. | 07/28/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 839890 | xxxxxx | 33926959 | xxxxxx | 07/15/2025 | Credit | 1003 | Missing Document | 1003 | Missing Lender's Initial 1003/Application. |  | The Borrowers who executed the POA must sign the initial xxxxxx Form 1003. Provide the initial 1003 signed and dated by xxxxxx. |  |  | Reviewer Comment (2025-07-16): Initial 1003 provided | 07/16/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 840007 | xxxxxx | 33850722 | xxxxxx | 07/10/2025 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $42,536.23 is less than Cash From Borrower $187,083.68. |  |  |  | Reviewer Comment (2025-07-15): HUD from REO C/O proceeds provided | 07/15/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 840007 | xxxxxx | 33850730 | xxxxxx | 07/10/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Certificate of Good Standing with pull date within 1 year of closing is missing for the borrowing business entity. |  |  | Reviewer Comment (2025-07-15): COGS provided | 07/15/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 840007 | xxxxxx | 33850731 | xxxxxx | 07/10/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  |  |  |  | Reviewer Comment (2025-07-15): Received Guarantor Agreement. Exception cleared. | 07/15/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 840007 | xxxxxx | 33850802 | xxxxxx | 07/10/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | All parties to the transaction were not included. The Settlement Agent, xxxxxx, is missing. |  |  | Reviewer Comment (2025-07-15): Received Fraud and OFAC search run on settlement agent. Exception cleared. | 07/15/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 840007 | xxxxxx | 33851229 | xxxxxx | 07/10/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 2.00. |  |  |  | Reviewer Comment (2025-07-15): HUD from REO C/O proceeds provided | 07/15/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 840007 | xxxxxx | 33885552 | xxxxxx | 07/10/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | All Entity documents, with the exception of the Borrowing Cert and EIN, reflects business name is xxxxxx. The OA reflects xxxxxx at the top, but with the body reflects xxxxxx. All legal documents reflect xxxxxx. There is no evidence of name change or explanation regarding this. |  |  | Reviewer Comment (2025-08-17): Received Articles of Org, COGS, EIN and Borrowing Cert for Borrowing Entity (per guidelines, Borrower Cert can be taken in lieu of OA).<br>Reviewer Comment (2025-08-04): The Guarantor being a member of two businesses is a moot point. If these are two separate businesses, all documents must be provided for the closing entity LLC in which only the Borrowing Cert & EIN were provided.<br>Reviewer Comment (2025-07-15): The OA screen shot does not give any explanation. It says OA of xxxxxx by an between the undersigned members of xxxxxx. Is this one in the same company? Is this a DBA or AKA? | 08/17/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 840007 | xxxxxx | 33885584 | xxxxxx | 07/10/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1007 Rent Comparison Schedule is incomplete |  | Appraisal reflects Tenant Occupied. Per guidelines for purchases, a copy of the lease is not required if the appraiser list the rent amount for the subject on<br> form 1007/1025. Lease was not provided and 1007 reflects N/A for actual rentals. |  |  | Reviewer Comment (2025-08-17): Updated appraisal provided with addendum with lease rents noted and term. | 08/17/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 840009 | xxxxxx | 33725314 | xxxxxx | 06/27/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Borrower's own funds percent discrepancy. | Calculated borrower's own funds of 8.79% is less than Guideline required borrower's own funds of 10.00%. |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | Reviewer Comment (2025-08-05): Client elects to waive with verified compensation factors |  |  | 08/05/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 840185 | xxxxxx | 33684624 | xxxxxx | 06/23/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  |  | Reviewer Comment (2025-06-26): FTP provided | 06/26/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 840185 | xxxxxx | 33684626 | xxxxxx | 06/23/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx or xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  | Reviewer Comment (2025-07-01): Updated FTP provided removing lien. See added condition.<br>Reviewer Comment (2025-06-26): FTP was provided, however there is a child support lien on item #6 as well as there is no order provided for child support or debt added to DTI. | 07/01/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 840185 | xxxxxx | 33716100 | xxxxxx | 06/23/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $3,076.88 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7200) | Cure not COC provided |  |  | Reviewer Comment (2025-06-27): SitusAMC received valid COC dated xxxxxx  | 06/27/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 840185 | xxxxxx | 33716101 | xxxxxx | 06/23/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Underwriting Fee. Fee Amount of $1,145.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (73196) | Cure not COC provided |  |  | Reviewer Comment (2025-07-01): SitusAMC received a valid COC.<br>Reviewer Comment (2025-06-27): SitusAMC received COC dated xxxxxx , but it does not give sufficient information. Please provide additional information on loan program change along with supporting document to re-evaluate the exception. | 07/01/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 840185 | xxxxxx | 33716102 | xxxxxx | 06/23/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Origination Fee. Fee Amount of $2,812.50 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7325) | Cure not COC provided |  |  | Reviewer Comment (2025-06-27): SitusAMC received valid COC dated xxxxxx  | 06/27/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 840185 | xxxxxx | 33716103 | xxxxxx | 06/23/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of $800.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7334) | Cure not COC provided |  |  | Reviewer Comment (2025-07-01): SitusAMC received a valid COC.<br>Reviewer Comment (2025-06-27): SitusAMC received COC dated xxxxxx , but it does not give sufficient information. Please provide additional information on loan program change along with supporting document to re-evaluate the exception. | 07/01/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 840185 | xxxxxx | 33716104 | xxxxxx | 06/23/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $165.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75104) | Cure not COC provided |  |  | Reviewer Comment (2025-07-01): SitusAMC received a valid COC.<br>Reviewer Comment (2025-06-27): SitusAMC received COC dated xxxxxx , but it does not give sufficient information. Please provide additional information on loan program change along with supporting document to re-evaluate the exception. | 07/01/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 840185 | xxxxxx | 33716105 | xxxxxx | 06/23/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $113.50 exceeds tolerance of $100.00. Insufficient or no cure was provided to the borrower. (7520) | Cure not COC provided |  |  | Reviewer Comment (2025-06-30): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. | 06/30/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 840185 | xxxxxx | 33814880 | xxxxxx | 07/01/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $113.50 exceeds tolerance of $100.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) |  |  |  | Reviewer Comment (2025-07-01): Sufficient Cure Provided At Closing |  | 07/01/2025 |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B | C | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 840185 | xxxxxx | 33819388 | xxxxxx | 07/01/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Divorce Decree / Child Support not provided |  | FTP provided reflected a child support lien against the borrower. A corrected FTP was provided removing the lien however we will still need to see the divorce decree/child support order for the borrower. If the title company added this in error intiially and the child support was not for our borrower, the title company will need to attest to that. |  |  | Reviewer Comment (2025-08-07): LOE and order provided which reflects children are > 18 | 08/07/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 840185 | xxxxxx | 34202615 | xxxxxx | 08/13/2025 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  | Reviewer Comment (2025-08-25): RTC form provided | 08/25/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | C | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 840185 | xxxxxx | 34202617 | xxxxxx | 08/13/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Prepayment Penalty | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on xxxxxx incorrectly disclosed whether the loan contains a Prepayment Penalty. (Final xxxxxx) | There is a CD dated at closing but signed on xxxxxx . This should be a PCCD with the correct dates. |  |  | Reviewer Comment (2025-08-13): The client elects to waive the loan was retested as a primary residence, and the PPP was removed. |  |  | 08/13/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B | C | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 840185 | xxxxxx | 34244363 | xxxxxx | 08/19/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Loan originated as Primary residence, yet URLA declarations indicates borrower will not occupy. | Borrower: xxxxxx |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more. |  | Reviewer Comment (2025-08-26): Client elects to waive with verified compensation factors |  |  | 08/26/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 840185 | xxxxxx | 34282077 | xxxxxx | 08/25/2025 | 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 xxxxxx , prior to three (3) business days from transaction date of xxxxxx . | Based on the RTC provided, the lender never provided the borrower the right to rescind. RTC form provided. Provide LOE to borrower to cure. |  |  | Reviewer Comment (2025-08-28): Letter of Explanation, Proof of Delivery, and Re-open Rescission provided<br>Reviewer Comment (2025-08-26): LOE provided. Cure cannot be complete until after rescission period ends. Re-queue condition on xxxxxx  |  | 08/28/2025 |  | 2 | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | C | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 840185 | xxxxxx | 34282078 | xxxxxx | 08/25/2025 | Compliance | Compliance | Federal Compliance | TILA | TILA Notice of Right to Cancel Expiration Date greater than Deal Start Date. | Rescission expiration date provided by lender on Notice of Right to Cancel has not expired as of time of review. |  |  |  | Reviewer Comment (2025-08-25): Client elects to waive |  |  | 08/25/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 840306 | xxxxxx | 33786729 | xxxxxx | 07/01/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC searches not run on settlement agent, xxxxxx and Property Sellers, xxxxxx xxxxxx xxxxxx. |  |  | Reviewer Comment (2025-07-30): Received Mortgage Participants list for seller. Exception cleared.<br>Reviewer Comment (2025-07-18): Received GSA search for seller, xxxxxx. Provide HUD/LDP/OFAC search or updated fraud report for seller, xxxxxx. Exception remains.<br>Reviewer Comment (2025-07-15): Received Participant list, Fraud and OFAC search run on settlement agent and Seller, xxxxxx. However, Fraud and OFAC search not run on xxxxxx. Exception remains. | 07/30/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 840306 | xxxxxx | 33786732 | xxxxxx | 07/01/2025 | Credit | Guideline | Guideline Issue | Guideline | Rural property type is not permitted per Guidelines. |  | Per the full guidelines, rural property is not permitted. Per matrix rural up to 20 acres with a minimum 700 FICO and 0.80 DSCR allowed, however DSCR < .80 and this conflicts with the full guidelines. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | Reviewer Comment (2025-08-04): Client elects to waive with verified compensation factors |  |  | 08/04/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 840339 | xxxxxx | 33925079 | xxxxxx | 07/17/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Subject property history is not reflecting in credit report. Provide the following: Mortgage statement or Note for the review period to verify monthly payment amount, and proof of borrower's payment for the most recent 6-months is required. VOM and payoff provided. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | Reviewer Comment (2025-07-30): Client elects to waive with verified compensation factors |  |  | 07/30/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 840339 | xxxxxx | 33925224 | xxxxxx | 07/17/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Commitment |  |  |  | Reviewer Comment (2025-08-25): FTP provided | 08/25/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 840339 | xxxxxx | 33961459 | xxxxxx | 07/17/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-xxxxxx Status not provided |  | Per guidelines, xxxxxx require a copy of the unexpired passport. Passport missing for xxxxxx. Border Crossing/Visa ID only provided with xxxxxx designation. |  |  | Reviewer Comment (2025-07-29): Received unexpired passport. Exception cleared.<br>Reviewer Comment (2025-07-28): Received Passport for xxxxxx is expired. Therefore provide an I-797 form with valid extension dates. Exception remains.<br>Reviewer Comment (2025-07-22): The condition does not state the passport is expired. Please re-review the original condition. Passport missing for xxxxxx. Border Crossing/Visa ID only provided with xxxxxx designation. | 07/29/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 840339 | xxxxxx | 33961533 | xxxxxx | 07/17/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Title Policy: Address is missing SW |  |  | Reviewer Comment (2025-08-25): FTP provided with correct address | 08/25/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 840339 | xxxxxx | 33961575 | xxxxxx | 07/17/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | The application reflects the borrower's primary residence is in the xxxxxx but loan was reviewed to xxxxxx guidelines. Provide the corrected application with overseas address as required for xxxxxx guidelines. |  |  | Reviewer Comment (2025-07-30): Updated 1003 provided<br>Reviewer Comment (2025-07-22): The investor guidelines do not have a program for FN living in the xxxxxx. The requirements for FN states they must live overseas. | 07/30/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 840365 | xxxxxx | 33909149 | xxxxxx | 07/14/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | Provided the deed from the individuals to the LLC. |  |  | Reviewer Comment (2025-08-14): Received Recorded Deed from Individual to the LLC. Exception cleared.<br>Reviewer Comment (2025-07-31): Received deed is not recorded. Provide recorded deed. Exception remains.<br>Reviewer Comment (2025-07-30): Requested document was not received. Provide the document requested as per original condition. Exception remains. | 08/14/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 840383 | xxxxxx | 34029205 | xxxxxx | 07/24/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | HOA project is involved in litigation. |  | HOA is in active litigation due to personal injury. Investor exception will be required. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |  | Reviewer Comment (2025-07-28): Client elects to waive with verified compensation factors. Per the Client, Litigation is not applicable to subject or borrower and is not strucutural. |  |  | 07/28/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 840383 | xxxxxx | 34029209 | xxxxxx | 07/24/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower is paying off a collection on the borrower's credit report with xxxxxx which is personal debt. Loan is ineligible for DSCR. |  |  | Reviewer Comment (2025-08-04): Stamped PC-CD by title provided<br>Reviewer Comment (2025-08-04): Letter providing debt was paid on xxxxxx prior to closing. PC-CD, which is a lender generated document, provided removing debt. Pending receipt of final stamped settlement statement confirming debt was not paid through closing.<br>Reviewer Comment (2025-08-04): Condition is not invalid. A chargeoff collection is personal debt as well as it is reflected on the borrower's credit report. | 08/04/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 840399 | xxxxxx | 34206543 | xxxxxx | 08/19/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  |  | Reviewer Comment (2025-09-02): FTP provided | 09/02/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840399 | xxxxxx | 34240138 | xxxxxx | 08/19/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The CPA letter verifying SE and expense factor does not state what business is being verified (needed for both income and assets). |  |  | Reviewer Comment (2025-08-27): Updated CPA letter provided<br>Reviewer Comment (2025-08-27): No new document was received. Provide the document as requested on the original condition. Exception remains. | 08/27/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840399 | xxxxxx | 34240180 | xxxxxx | 08/19/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Both supplements dated after the loan amount supplement on xxxxxx reflect the city as xxxxxx. |  |  | Reviewer Comment (2025-09-02): FTP provided. See added condition<br>Reviewer Comment (2025-08-27): The LOE is not acceptable as well as the the supplement provided is dated prior to the supplements in file. Please review the original condition. Both supplements dated after the loan amount supplement on xxxxxx reflect the city as xxxxxx.<br>Reviewer Comment (2025-08-27): No new documents received. Please try uploading again. | 09/02/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840399 | xxxxxx | 34240268 | xxxxxx | 08/19/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | All liens for the subject property do not appear on the credit report. VOM's, Notes, and borrower pay history provided. Payoff was provided for 1 lien but not the other. |  |  | Reviewer Comment (2025-09-10): Received Payoff Statement for all 3 mortgages. Exception cleared.<br>Reviewer Comment (2025-09-08): Received Closing Disclosure, Closing Statement. However the document requested for the Payoff Statement for other 2 liens with xxxxxx in amount of xxxxxx and xxxxxx. Exception remains.<br>Reviewer Comment (2025-08-27): Received Payoff statement for xxxxxx. Provide Mortgage Payoff Statement for xxxxxx. Exception remains. | 09/10/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840399 | xxxxxx | 34240272 | xxxxxx | 08/19/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | The CPA letter verifying SE and expense factor does not state what business is being verified (needed for both income and assets). |  |  | Reviewer Comment (2025-08-27): Updated CPA letter provided<br>Reviewer Comment (2025-08-27): No new documents received. Please try uploading again. | 08/27/2025 |  |  | 1 | B A C | B A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 840399 | xxxxxx | 34240273 | xxxxxx | 08/19/2025 | 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. | The CPA letter verifying SE and expense factor does not state what business is being verified (needed for both income and assets). |  |  | Reviewer Comment (2025-08-27): Updated CPA letter provided<br>Reviewer Comment (2025-08-27): No new documents received. Please try uploading again. | 08/27/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840399 | xxxxxx | 34335356 | xxxxxx | 09/02/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Final Title provided post-review reflects a Condo Endorsement, however the property is not a Condo. |  |  | Reviewer Comment (2025-09-06): Corrected later dated final title provided | 09/06/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840406 | xxxxxx | 33864724 | xxxxxx | 07/14/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Mortgage not reporting on the credit report or subject property xxxxxx. VOM and Payoff provided. Provide the Note or Mortgage Statement and borrower's 6 month pay history via bank statements/cancelled checks. |  |  | Reviewer Comment (2025-09-02): Received Note and Bank statements. Exception cleared.<br>Reviewer Comment (2025-07-30): Requested document was not received. Provide the Note or Mortgage Statement and borrower's 6 month pay history via bank statements/cancelled checks. Document is requested for subject property. Exception remains.<br>Reviewer Comment (2025-07-24): The same VOM was provided that was in file at time of review. Please review the original condition. Provide the Note or Mortgage Statement and borrower's 6 month pay history via bank statements/cancelled checks.<br>Reviewer Comment (2025-07-17): This condition notes this is for the subject property and is coming from the VOM provided for the subject property for account xxxxxx for xxxxxx and paid through closing. The supplement provided is for the REO property on xxxxxx which is not the subject property. | 09/02/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 840406 | xxxxxx | 33864732 | xxxxxx | 07/14/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Provide the RCE. |  |  | Reviewer Comment (2025-07-24): RCE provided<br>Reviewer Comment (2025-07-17): The document provided is not acceptable as it is not know what the estimated replacement cost is to determine if the dwelling coverage of $xxxxxx is sufficient. The loan amount exceeds this. | 07/24/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 840406 | xxxxxx | 33864773 | xxxxxx | 07/14/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.83 is less than Guideline PITIA months reserves of 2.00. | No assets provided in file. |  |  | Reviewer Comment (2025-08-06): Received bank statement. Exception cleared.<br>Reviewer Comment (2025-07-29): Borrower requires 2 months reserves. Guidelines do not state any R/T proceeds can be used for reserves. | 08/06/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 840562 | xxxxxx | 34209437 | xxxxxx | 08/14/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided |  | Need a Note Addendum with the PPP added. |  |  | Reviewer Comment (2025-09-16): Received PPP addendum to Note. Exception cleared. | 09/16/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | A | N/A | N/A |  | N/A | Yes | Property Focused |
| xxxxxx | 840562 | xxxxxx | 34209438 | xxxxxx | 08/14/2025 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided |  | Need a corrected Note with PPP and an LOE to the borrower detailing adding the PPP with proof of delivery. |  |  | Reviewer Comment (2025-09-16): Received corrected PPP, PC-CD, LOE to borrower and evidence of delivery to the borrower. | 09/16/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 840580 | xxxxxx | 34280062 | xxxxxx | 08/28/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor Exception - xxxxxx Unit with ADU is ineligible per the guidelines. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | DTI <=36% which is below requirement in guidelines | Reviewer Comment (2025-08-27): Client elects to waive with verified compensation factors |  |  | 08/27/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 840580 | xxxxxx | 34280337 | xxxxxx | 08/28/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $838,659.62 is over disclosed by $135.00 compared to the calculated Amount Financed of $838,524.62 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 xxxxxx). (Final xxxxxx) | Final Closing Disclosure disclosed an amount financed of $838,659.62; calculated amount financed is $838,524.62. Variance is $135.00. |  |  | Reviewer Comment (2025-09-17): SitusAMC received PCCD, LOE, Copy of Refund Check and Proof of Mailing. |  | 09/17/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 840580 | xxxxxx | 34280338 | xxxxxx | 08/28/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $1,241,425.36 is under disclosed by $135.00 compared to the calculated Finance Charge of $1,241,560.36 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xxxxxx). (Final xxxxxx) | Final Closing Disclosure disclosed a finance charge of $1,241,425.36; calculated finance charge is $1,241,560.36. Variance is $135.00. |  |  | Reviewer Comment (2025-09-17): SitusAMC received PCCD, LOE, Copy of Refund Check and Proof of Mailing. |  | 09/17/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 840580 | xxxxxx | 34280340 | xxxxxx | 08/28/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $576.00 exceeds tolerance of $435.00 plus 10% or $478.50. Insufficient or no cure was provided to the borrower. xxxxxx | Cure nor valid COC provided |  |  | Reviewer Comment (2025-09-05): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception." | 09/05/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 840580 | xxxxxx | 34280342 | xxxxxx | 08/28/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $175.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75103) | Cure nor valid COC provided |  |  | Reviewer Comment (2025-09-05): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception." | 09/05/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 840580 | xxxxxx | 34280343 | xxxxxx | 08/28/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Settlement / Closing / Escrow Fee. Fee Amount of $1,800.00 exceeds tolerance of $1,500.00. Insufficient or no cure was provided to the borrower. (7561) | Cure nor valid COC provided |  |  | Reviewer Comment (2025-09-12): SitusAMC received updated valid changed circumstance.<br>Reviewer Comment (2025-09-10): SItusAMC received valid COC indicates that the re-close fee added due to the loan was rescheduled. However, we also required supporting documentation of timeline to review for the loan was rescheduled and to provide information supporting lender's knowledge of when they became aware of the changes or Cure is due to borrower.<br>Reviewer Comment (2025-09-05): SitusAMC received Changed Circumstance dated xxxxxx , but it does not give sufficient information on why the fee was increased as COC states balanced fees with prelim CD which is not valid reason for increase. In order to determine if the changed circumstance is valid more information is necessary on reason fee increased and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check. | 09/12/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 840580 | xxxxxx | 34428583 | xxxxxx | 09/12/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $576.00 exceeds tolerance of $435.00 plus 10% or $478.50. Sufficient or excess cure was provided to the borrower at Closing. xxxxxx |  |  |  | Reviewer Comment (2025-09-12): Sufficient Cure Provided At Closing |  | 09/12/2025 |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 840580 | xxxxxx | 34428584 | xxxxxx | 09/12/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $175.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (75103) |  |  |  | Reviewer Comment (2025-09-12): Sufficient Cure Provided At Closing |  | 09/12/2025 |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 840653 | xxxxxx | 34242344 | xxxxxx | 08/22/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $730.00 exceeds tolerance of $645.00 plus 10% or $709.50. Insufficient or no cure was provided to the borrower. xxxxxx | Ten Percent Fee Tolerance exceeded. Total amount of $730.00 exceeds tolerance of $645.00 plus 10% or $709.50. Insufficient or no cure was provided to the borrower. |  |  | Reviewer Comment (2025-09-03): SitusAMC received PCCD, LOE, proof of mailing & copy of refund check.<br>Reviewer Comment (2025-08-27): SitusAMC: The CD & COC that was provided in the trailing images was also provided in the original loan package. but it does not give sufficient information for the Foreclosure Prevention fee of $80 added. this is causing to exceeds the fees are over 10% tolerance. In order to determine if the changed circumstance is valid more information is necessary on reason for the foreclosure fee added and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. |  | 09/03/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 840653 | xxxxxx | 34242496 | xxxxxx | 08/22/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.63 is less than Guideline PITIA months reserves of 3.00. | Gift funds cannot be used for reserves per guidelines. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | Reviewer Comment (2025-09-10): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-09-05): The account for xxxxxx was already included previously with final funds on xxxxxx of $4,304.24. The borrower has insufficient reserves.<br>Reviewer Comment (2025-09-03): Additional asset statements provided for business account and personal accounts with an end date post close. Post close assets cannot be considered. Used assets in account up until closing date of xxxxxx New assets 0.63 vs the required 3 months.<br>Reviewer Comment (2025-09-03): EXCEPTION HISTORY - Exception Explanation was updated on xxxxxx PRIOR Exception Explanation: Calculated PITIA months reserves of 0.83 is less than Guideline PITIA months reserves of 3.00.<br>Reviewer Comment (2025-08-27): PC-CD does not clear this condition as well as reflects the same funds to close as the Final CD. Cash to close is calculated as funds to close + EMD + POCB fees + any gifts/1031/adjustments on the Final CD. |  |  | 09/10/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Second Home | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840653 | xxxxxx | 34242633 | xxxxxx | 08/22/2025 | 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. | Due to insufficient reserves |  |  | Reviewer Comment (2025-09-10): Loan designation updated to Non-QM. Condition no longer applies.<br>Reviewer Comment (2025-09-05): The account for xxxxxx was already included previously with final funds on xxxxxx of $4,304.24. The borrower has insufficient reserves.<br>Reviewer Comment (2025-09-03): Additional asset statements provided for business account and personal accounts with an end date post close. Post close assets cannot be considered. Used assets in account up until closing date of xxxxxx New assets 0.63 vs the required 3 months.<br>Reviewer Comment (2025-08-27): PC-CD does not clear this condition as well as reflects the same funds to close as the Final CD. Cash to close is calculated as funds to close + EMD + POCB fees + any gifts/1031/adjustments on the Final CD. | 09/10/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Second Home | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840653 | xxxxxx | 34243550 | xxxxxx | 08/22/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx Third Party Verification | The business being used to source income must be in existence for a minimum of two (2) years as evidenced by one of the following:<br> o CPA Letter, or<br> o Business License, or<br> o Bank statement from 24 or more months prior to note date reflecting activity, or<br> o Other reasonable evidence of business activity. Business license was provided, however does not reflect an issue date / start date. |  |  | Reviewer Comment (2025-08-25): Bank statement from 24 or more months prior to note date reflecting activity provided which meets guideline requirements. | 08/25/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Second Home | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840653 | xxxxxx | 34262669 | xxxxxx | 08/22/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | xxxxxx: Installment Debt: Payments can be excluded if there are 10 or fewer monthly payments remaining to pay the debt in full. If the payment is substantial and exceeds 5% of the borrower's qualifying income, the overall transaction should be reviewed to ensure the remaining payments will not impact the borrower's ability to handle the new mortgage payment. |  |  | Reviewer Comment (2025-08-25): Per Seller request, debt added to ratios. DTI still within guidelines.<br>Reviewer Comment (2025-08-25): Total installment debt via monthly payments is $1,429 for both installment debts ($1,069 + $360) 5% of borrower's total monthly income of $21,641.36 is $1,082.06. The installment debts excluded combined exceed this amount. Investor can elect to waive with verified compensation factors. | 08/25/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Second Home | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840653 | xxxxxx | 34262699 | xxxxxx | 08/22/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Due to insufficient reserves |  |  | Reviewer Comment (2025-09-10): Loan designation updated to Non-QM. Condition no longer applies.<br>Reviewer Comment (2025-09-05): The account for xxxxxx was already included previously with final funds on xxxxxx of $4,304.24. The borrower has insufficient reserves.<br>Reviewer Comment (2025-09-03): Additional asset statements provided for business account and personal accounts with an end date post close. Post close assets cannot be considered. Used assets in account up until closing date of xxxxxx New assets 0.63 vs the required 3 months.<br>Reviewer Comment (2025-08-27): PC-CD does not clear this condition as well as reflects the same funds to close as the Final CD. Cash to close is calculated as funds to close + EMD + POCB fees + any gifts/1031/adjustments on the Final CD. | 09/10/2025 |  |  | 1 | B A C | B A C | xxxxxx | xxxxxx | Second Home | Purchase | Lender to provide updated ATR/QM Loan Designation C B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 840659 | xxxxxx | 33828137 | xxxxxx | 07/09/2025 | 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. | Due to missing income documents |  |  | Reviewer Comment (2025-07-16): CPA letter provided | 07/16/2025 |  |  | 1 | B A C | B A C | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM status C B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 840659 | xxxxxx | 33828138 | xxxxxx | 07/09/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - P&L Statement Only | Ability-to-Repay (Dodd-Frank 2014): Unable to verify current employment status using reasonably reliable third-party records. (xxxxxx, xxxxxx xxxxxx/P&L Statement Only) | C xxxxxx to provide a signed document with all of the following:<br> ▪ Confirmation business has been in existence for a minimum of two (2) years<br> ▪ Indicate borrower's ownership percentage of the business<br> ▪ Confirmation the preparer completed or filed the most recent business tax return |  |  | Reviewer Comment (2025-07-16): CPA letter provided | 07/16/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840659 | xxxxxx | 33828139 | xxxxxx | 07/09/2025 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Due to missing income documents |  |  | Reviewer Comment (2025-07-16): CPA letter provided | 07/16/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840659 | xxxxxx | 33828167 | xxxxxx | 07/09/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Contact Information - Broker | TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xxxxxx did not disclose the required Broker Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). (Final xxxxxx) | Mortgage Broker NMLS ID is missing on the Final CD dated xxxxxx . |  |  | Reviewer Comment (2025-07-22): SitusAMC received PCCD<br>Reviewer Comment (2025-07-16): Provided PCCD does not appear to be for this transaction. |  | 07/22/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 840659 | xxxxxx | 33828211 | xxxxxx | 07/09/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx CPA Letter | C xxxxxx to provide a signed document with all of the following:<br> ▪ Confirmation business has been in existence for a minimum of two (2) years<br> ▪ Indicate borrower's ownership percentage of the business<br> ▪ Confirmation the preparer completed or filed the most recent business tax return |  |  | Reviewer Comment (2025-09-02): Received updated CPA Letter. Exception cleared.<br>Reviewer Comment (2025-08-28): The updated letter provided is not dated.<br>Reviewer Comment (2025-07-16): The CTEC letter states the preparer reviewed the returns for 2022 and 2023 vs. completed / filed as required per guidelines. Further, 2023 would not be the most recent returns either. | 09/02/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840659 | xxxxxx | 33829065 | xxxxxx | 07/09/2025 | 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. | Due to missing income documents |  |  | Reviewer Comment (2025-09-04): Reviewer cleared updated CPA letter<br>Reviewer Comment (2025-08-28): The updated letter provided is not dated.<br>Reviewer Comment (2025-07-16): The CTEC letter states the preparer reviewed the returns for 2022 and 2023 vs. completed / filed as required per guidelines. Further, 2023 would not be the most recent returns either. | 09/04/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840659 | xxxxxx | 33848264 | xxxxxx | 07/09/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Divorce Decree / Child Support not provided |  | Credit report reflects child support. Provide the divorce decree and any orders to support borrower is not obligated to any other liabilities. |  |  | Reviewer Comment (2025-09-17): Judgment of dissolution provided. No other orders and no assets to divide per document. Child support noted on credit report.<br>Reviewer Comment (2025-09-05): Received only 1 page of filing of judgement. However, provide the final judgment from court to verify borrower is not obligated to any other liabilities. Exception remains. | 09/17/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 840659 | xxxxxx | 33949254 | xxxxxx | 07/16/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Due to missing income documents |  |  | Reviewer Comment (2025-09-04): Reviewer cleared updated CPA letter<br>Reviewer Comment (2025-08-28): The updated letter provided is not dated.<br>Reviewer Comment (2025-07-16): The CTEC letter states the preparer reviewed the returns for 2022 and 2023 vs. completed / filed as required per guidelines. Further, 2023 would not be the most recent returns either. | 09/04/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 840704 | xxxxxx | 34425389 | xxxxxx | 09/16/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | Disaster Name: xxxxxx<br> Disaster Declaration Date: xxxxxx <br> Disaster End Date: xxxxxx |  |  | Reviewer Comment (2025-09-24): 442 provided with disaster comments dated xxxxxx: No Damage<br>Reviewer Comment (2025-09-18): The disaster declaration date is xxxxxx the disaster end ate is xxxxxx: The effective date of the appraisal, which is the inspection date is xxxxxx which occurred prior to the disaster end date. The appraiser does not make any comments regarding the disaster. | 09/24/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 840704 | xxxxxx | 34425635 | xxxxxx | 09/16/2025 | 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 xxxxxx , prior to three (3) business days from transaction date of xxxxxx . | Final CD was not executed until xxxxxx Rescission starts from the later of. 3 days not provided. |  |  | Reviewer Comment (2025-09-24): Letter of Explanation, Proof of Delivery, and Re-open Rescission provided<br>Reviewer Comment (2025-09-24): Received new RTC forms re-opening rescission signed by borrowers (evidences delivery). Pending receipt of LOE to borrower to cure.<br>Reviewer Comment (2025-09-22): None of the CD's in file are dated post-close. Rescission starts from the latest CD provided to the borrower, therefore rescission needs to be re-opened.<br>Reviewer Comment (2025-09-18): Rescission is based off the most recent CD provided to the borrower which was signed and dated xxxxxx Rescission needs to be re-opened. |  | 09/24/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 840704 | xxxxxx | 34425636 | xxxxxx | 09/16/2025 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | Final CD was not executed until xxxxxx Rescission starts from the later of. 3 days not provided. |  |  | Reviewer Comment (2025-09-24): Letter of Explanation, Proof of Delivery, and Re-open Rescission provided<br>Reviewer Comment (2025-09-24): Received new RTC forms re-opening rescission signed by borrowers (evidences delivery). Pending receipt of LOE to borrower to cure.<br>Reviewer Comment (2025-09-22): None of the CD's in file are dated post-close. Rescission starts from the latest CD provided to the borrower, therefore rescission needs to be re-opened.<br>Reviewer Comment (2025-09-18): Rescission is based off the most recent CD provided to the borrower which was signed and dated xxxxxx Rescission needs to be re-opened. |  | 09/24/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 840704 | xxxxxx | 34425653 | xxxxxx | 09/16/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final xxxxxx) | Evidence of earlier receipt not provided |  |  | Reviewer Comment (2025-09-24): SitusAMC received rebuttal and disclosure summary suffice<br>Reviewer Comment (2025-09-23): SitusAMC received disclosure tracking summary indicates that Initial CD and revised CD dated xxxxxx sent and received on same date. However, CD dated xxxxxx wet signed by borrower on xxxxxx and CD dated xxxxxx wet signed by borrower on xxxxxx located in the loan file. Provide any missing CD to reevaluate this exception.<br>Reviewer Comment (2025-09-19): SitusAMC received CD dated xxxxxx and signed by borrower on xxxxxx same as consummation date. Please provide the CD issued to borrower prior to consummation for review or documentation the final CD was provide to borrower 3 business days prior to review. | 09/24/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | No Defined Cure B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 840704 | xxxxxx | 34475543 | xxxxxx | 09/16/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the clear title policy. Child support lien noted against non-borrower. |  |  | Reviewer Comment (2025-09-23): Email from title provided for updates<br>Reviewer Comment (2025-09-22): The incorrect and corrected title policies are dated the same. Provide evidence of which was provided last (i.e. email from title with updates).<br>Reviewer Comment (2025-09-18): The affidavit does not clear this condition. The updated title, clear final title, or supplement from title indicating will not appear on title is required. | 09/23/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 840704 | xxxxxx | 34475607 | xxxxxx | 09/16/2025 | Compliance | Compliance | State Compliance | Misc. State Level | (xxxxxx 50(a)(6)) xxxxxx Cash-out Loan (T-42 Endorsement Not Obtained) | xxxxxx Constitution Section 50(a)(6): Acceptable xxxxxx title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the xxxxxx T-42 endorsement or the T-42.1 endorsement. (The loan is a xxxxxx Section 50 (a)(6) home equity loan.) |  |  |  | Reviewer Comment (2025-09-16): Client elects to waive |  |  | 09/16/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation C B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 840704 | xxxxxx | 34475608 | xxxxxx | 09/16/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $89.75 exceeds tolerance of $53.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) | Additional information is required to determine if COC is valid. Just says UW required supplements. |  |  | Reviewer Comment (2025-09-16): Sufficient Cure Provided At Closing |  | 09/16/2025 |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 840704 | xxxxxx | 34475609 | xxxxxx | 09/16/2025 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or xxxxxx) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  |  | Reviewer Comment (2025-09-16): Client elects to waive |  |  | 09/16/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 840704 | xxxxxx | 34475958 | xxxxxx | 09/16/2025 | Credit | Guideline | Guideline Issue | Guideline | Escrow waiver not allowed per guidelines. |  | Borrower does not meet the minimum FICO nor reserves for an escrow waiver. Insurance only escrowed. |  |  | Reviewer Comment (2025-09-18): Tax Cert provided. Borrower is exempt from taxes due to disabled veteran. | 09/18/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 840759 | xxxxxx | 33851201 | xxxxxx | 07/11/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  | Reviewer Comment (2025-07-14): Approval provided | 07/14/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 840759 | xxxxxx | 33851222 | xxxxxx | 07/11/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Appraisal reflects Unit xxxxxx |  |  | Reviewer Comment (2025-07-17): Updated appraisal provided | 07/17/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 840759 | xxxxxx | 33851225 | xxxxxx | 07/11/2025 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Flood Cert reflects Unit xxxxxx |  |  | Reviewer Comment (2025-07-14): Updated flood cert provided | 07/14/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 840759 | xxxxxx | 33890815 | xxxxxx | 07/11/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1007 Rent Comparison Schedule is incomplete |  | Per guidelines, on purchases, the 1007 must reflect the actual rents. The most recent appraisal dated xxxxxx updated occupancy to Tenant. |  |  | Reviewer Comment (2025-07-25): Updated appraisal - 1007 provided<br>Reviewer Comment (2025-07-17): The 1007 provided still does not reflect the actual rents. | 07/25/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 840760 | xxxxxx | 33974269 | xxxxxx | 07/22/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-xxxxxx Status not provided |  | Provide the VISA for both borrowers. Passport only provided. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. |  | Reviewer Comment (2025-08-12): The client elects to waive. |  |  | 08/12/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 840844 | xxxxxx | 34395539 | xxxxxx | 09/15/2025 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of 1.16 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.25. | Investor exception in file for a loan amount under $150,000 with a DSCR under 1.25. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Experienced investor owns and manages 1 or more properties for more than 12 months | Experienced investor owns and manages 1 or more properties for more than 12 months | Reviewer Comment (2025-09-14): Client elects to waive with verified compensation factors |  |  | 09/14/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 840844 | xxxxxx | 34395540 | xxxxxx | 09/15/2025 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 70.00000% exceeds Guideline loan to value percentage of 65.00000%. | Investor exception in file for max LTV on loans below $150K is 65%, 70% LTV approved. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Experienced investor owns and manages 1 or more properties for more than 12 months | Experienced investor owns and manages 1 or more properties for more than 12 months | Reviewer Comment (2025-09-14): Client elects to waive with verified compensation factors |  |  | 09/14/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 840882 | xxxxxx | 34343676 | xxxxxx | 09/08/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Full fraud report not provided |  |  | Reviewer Comment (2025-09-11): Received full fraud report. Exception cleared. | 09/11/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 840915 | xxxxxx | 34197829 | xxxxxx | 08/13/2025 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided |  | Please provide the corrected Note with the PPP terms and an LOE to the borrower about the correction with proof of delivery. |  |  | Reviewer Comment (2025-09-15): Per client, confirmation, they are not requiring the PPP to the DOT to be corrected.<br>Reviewer Comment (2025-09-15): Received evidence of delivery to the borrower. Pending investor confirmation not requiring the PPP rider to the DOT to be updated. Assigned to investor.<br>Reviewer Comment (2025-09-11): Received PPP addendum to the Note (note references to see PPP rider), received LOE to borrower and corrected PC-CD. Pending receipt of evidence of delivery to the borrower and investor confirmation they are not requiring the PPP rider to the DOT to be corrected. | 09/15/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 841009 | xxxxxx | 34065771 | xxxxxx | 08/01/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  | Reviewer Comment (2025-08-06): Received Approval. Exception cleared. | 08/06/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 841009 | xxxxxx | 34065772 | xxxxxx | 08/01/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Full Fraud Report is missing. Must include all participants. |  |  | Reviewer Comment (2025-08-06): Received Fraud Report. Exception cleared. | 08/06/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 841009 | xxxxxx | 34065773 | xxxxxx | 08/01/2025 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  |  |  |  | Reviewer Comment (2025-08-13): Received clear OFAC search for the seller. Exception cleared.<br>Reviewer Comment (2025-08-06): Received Fraud Report however OFAC search not run on the Seller, xxxxxx. Exception remains. | 08/13/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 841009 | xxxxxx | 34065779 | xxxxxx | 08/01/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  |  |  |  | Reviewer Comment (2025-08-06): Received Sales Contract. Exception cleared. | 08/06/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 841009 | xxxxxx | 34065867 | xxxxxx | 08/01/2025 | Credit | Guideline | Guideline Issue | Guideline | Experience level does not meet the guideline requirements for an experienced investor. |  | Investor Exception - Borrower is first time investor with DSCR below 1.00. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Credit Score 30+ points > minimum required | Reviewer Comment (2025-08-01): Client elects to waive with verified compensation factors |  |  | 08/01/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 841009 | xxxxxx | 34066934 | xxxxxx | 08/01/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor exception: DSCR loan and subject has > 5.0 acres. Subject is xxxxxx acres. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Credit Score 30+ points > minimum required | Reviewer Comment (2025-08-01): Client elects to waive with verified compensation factors |  |  | 08/01/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 841009 | xxxxxx | 34118488 | xxxxxx | 08/01/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide evidence the primary property is free and clear. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Credit Score 30+ points > minimum required | Reviewer Comment (2025-09-09): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-09-03): The property profile report was provided, however the property profile report reflects both borrower and non-borrower obligated to the xxxxxx per the satisfaction dated xxxxxx . 12 month mortgage history is required.<br>Reviewer Comment (2025-08-27): Per the termination of assignment of leases and rents, both borrower's are listed as holder's on the mortgage loan that was just satisfied on xxxxxx. It should be further noted, this document is also not recorded. Provide the 12 month housing history for this lien just paid off.<br>Reviewer Comment (2025-08-21): Received satisfaction document which was already in file. Provide Property History Report to verify the borrower is liable for any other mortgage. Exception remains.<br>Reviewer Comment (2025-08-15): Please provide Property History report or Note to verify that borrower was not liable for previous mortgage payment in amount of xxxxxx. Exception remains.<br>Reviewer Comment (2025-08-11): Received Note for the primary property, where borrower is refinancing the property, However per fraud report there was a mortgage lien in amount of xxxxxx that is not reported on credit report, therefore provide documents to verify housing history. Exception remains. |  |  | 09/09/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 841014 | xxxxxx | 34323323 | xxxxxx | 09/03/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide document to verify the primary housing history is free and clear or documents to verify 12 months of housing history. |  |  | Reviewer Comment (2025-09-09): Current mortgage statement provided for current lien information and current credit supplement. Refinanced 2/2025 (FPD would be 4/2025). Mortgage Statement provided. Supplement provided with previous lien history as well. 12 months verified. | 09/09/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 841089 | xxxxxx | 34063656 | xxxxxx | 08/01/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx, xxxxxx Insurance Verification, Statement | Provide evidence of PITIA. Appears this is a prospective purchase based on LOE in file. |  |  | Reviewer Comment (2025-08-05): Received First Payment Letter. Exception cleared. | 08/05/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 841089 | xxxxxx | 34063672 | xxxxxx | 08/01/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  |  | Reviewer Comment (2025-08-06): Received Credit Report - Gap. Exception cleared. | 08/06/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 841089 | xxxxxx | 34063757 | xxxxxx | 08/01/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Shortfall of xxxxxx. RCE in file with a replacement coverage of xxxxxx. |  |  | Reviewer Comment (2025-08-07): Received RCE. Exception cleared.<br>Reviewer Comment (2025-08-05): The HOI provided is not for the subject property as well as the RCE provided is from xxxxxx and not acceptable. | 08/07/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 841089 | xxxxxx | 34063947 | xxxxxx | 08/01/2025 | Compliance | Note | General | Note | Prepayment Penalty Discrepancy | Final TIL / CD indicates loan has PPP, however file does not contain prepayment penalty addendum. Missing prepay data may result in invalid high cost, xxxxxx, and/or QM points and fees findings. | CD states Yes to PPP, however $0 in first 5 years. No PPP. |  |  | Reviewer Comment (2025-08-01): Client elects to waive |  |  | 08/01/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 841089 | xxxxxx | 34064061 | xxxxxx | 08/01/2025 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  |  | Reviewer Comment (2025-08-05): Received E-Sign Consent Agreement. Exception cleared. | 08/05/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 841089 | xxxxxx | 34087667 | xxxxxx | 08/01/2025 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of 717 is less than Guideline representative FICO score of 720. | Investor Exception in file: Waiving escrow requires 720. | Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | DTI <=36% which is below maximum in applicable guidelines | Reviewer Comment (2025-08-01): Client elects to waive with verified compensation factors |  |  | 08/01/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 841089 | xxxxxx | 34093283 | xxxxxx | 08/01/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Business Purpose Certificate not provided in file. |  |  | Reviewer Comment (2025-08-11): Received business purpose certificate disclosure. Exception cleared. | 08/11/2025 |  |  | 1 | C A | C A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 841089 | xxxxxx | 34120723 | xxxxxx | 08/01/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx, xxxxxx Other | Provide the Final CD. Concurrent loan closing - Refinance - Evidence of new PITIA |  |  | Reviewer Comment (2025-08-05): Received Final CD. Exception cleared. | 08/05/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 841089 | xxxxxx | 34476514 | xxxxxx | 09/16/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | PPP was added post-close. Provide the LOE to borrower, evidence of delivery to the borrower and corrected PC-CD. |  |  | Reviewer Comment (2025-09-24): LOE to borrower, evidence of delivery to borrower and PC-CD provided | 09/24/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 841147 | xxxxxx | 33962750 | xxxxxx | 07/22/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Desk Review / Valuation Report date: xxxxxx | Unit number missing in address |  |  | Reviewer Comment (2025-08-07): Updated CDA provided<br>Reviewer Comment (2025-07-30): The appraisal does not clear this condition as the condition is in reference to the CDA missing the unit number. | 08/07/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 841147 | xxxxxx | 33991201 | xxxxxx | 07/22/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | The appraisal in file has a completion date of xxxxxx which is post-close. Provide the appraisal with a completion date prior to closing. |  |  | Reviewer Comment (2025-07-28): Received appraisal with a completion date prior to closing. Exception cleared. | 07/28/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 841175 | xxxxxx | 33935052 | xxxxxx | 07/18/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Commitment |  |  |  | Reviewer Comment (2025-08-20): FTP provided | 08/20/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 841175 | xxxxxx | 33935062 | xxxxxx | 07/18/2025 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $80,338.91 is less than Cash From Borrower $173,667.76. |  |  |  | Reviewer Comment (2025-07-28): Updated statement provided for xxxxxx | 07/28/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 841175 | xxxxxx | 33935181 | xxxxxx | 07/18/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.62 is less than Guideline PITIA months reserves of 6.00. |  |  |  | Reviewer Comment (2025-07-28): Updated statement provided for xxxxxx | 07/28/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 841175 | xxxxxx | 33969851 | xxxxxx | 07/18/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC not run on property sellers. |  |  | Reviewer Comment (2025-07-31): Received updated Fraud Report. Fraud and OFAC run on the seller. Exception cleared.<br>Reviewer Comment (2025-07-30): Requested document was not received. Provide the document requested as per original condition. Exception remains. | 07/31/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 841175 | xxxxxx | 33969905 | xxxxxx | 07/18/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Missing Doc) Missing Note Addendum: Note P&I does not match calculated P&I | Note P&I of $1,534.50 does not match Calculated P&I of $1,676.83 | The P&I on the Note reflects an I/O term, however there is no I/O verbiage on the Note nor an I/O addendum provided. |  |  | Reviewer Comment (2025-08-22): Tracking reflects delivered<br>Reviewer Comment (2025-08-21): Received the corrected and executed I/O Note, executed PPP addendum to the Note, LOE to borrower and mailing label. Tracking reflects not yet received by carrier (label created only). Must reflect at minimum in transit.<br>Reviewer Comment (2025-08-20): Email to client. The link provided has the I/O and PPP addendum which are not executed as well as if these documents were correct post close and LOE to borrower and evidence of delivery to the borrower will be required.<br>Reviewer Comment (2025-08-12): The Note with the I/O language does not contain any PPP terms. There was an additional Note that does have PPP. The existence of two separate Notes is not allowed. | 08/22/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 841175 | xxxxxx | 33969940 | xxxxxx | 07/18/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Title Policy: Unit number is missing from address |  |  | Reviewer Comment (2025-08-20): FTP provided | 08/20/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 841175 | xxxxxx | 33969951 | xxxxxx | 07/18/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Per the appraisal, the property is a PUD as well as there is an executed PUD rider in file. The DOT does not reflect a PUD rider attached. Provide the corrected and executed DOT, executed PUD rider, LOE to borrower, evidence of delivery to the borrower, and lender's letter of intent to re-record. |  |  | Reviewer Comment (2025-08-12): The corrected Mortgage with the Riders was provided. The Mortgage has the intent to re-record language on it. | 08/12/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 841227 | xxxxxx | 34210816 | xxxxxx | 08/20/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,247.00 exceeds tolerance of $0.00 plus 10% or $0.00. Insufficient or no cure was provided to the borrower. xxxxxx | Cure nor valid COC provided |  |  | Reviewer Comment (2025-09-11): SitusAMC received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Reviewer Comment (2025-09-05): SitusAMC received COC, however the reason provided is not valid as not disclosed in error is not acceptable reason for addition of title fees. Cure is required. Please provide cure documents which consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Reviewer Comment (2025-09-03): SitusAMC received COC dated xxxxxx but the reason provided for adding the title fees is not valid. Please provide cure docs. Cure requirements include LOE, corrected CD, proof of mailing and copy of refund check. |  | 09/11/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 841227 | xxxxxx | 34210819 | xxxxxx | 08/20/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $294.00 exceeds tolerance of $147.00. Insufficient or no cure was provided to the borrower. (7520) | Cure nor valid COC provided. |  |  | Reviewer Comment (2025-09-03): SitusAMC received COC dated xxxxxx .<br>Reviewer Comment (2025-08-22): SitusAMC received Changed Circumstance dated xxxxxx , but it does not give sufficient information on why the credit report fee was increased. In order to determine if the changed circumstance is valid more information is necessary on reason fee increase/added and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. | 09/03/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 841227 | xxxxxx | 34210825 | xxxxxx | 08/20/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  |  | Reviewer Comment (2025-08-21): Received Final Title Policy. Exception cleared. | 08/21/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 841227 | xxxxxx | 34210826 | xxxxxx | 08/20/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx or xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  | Reviewer Comment (2025-08-21): Received Final Title Policy reflecting the coverage amount equal to loan amount. Exception cleared. | 08/21/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 841227 | xxxxxx | 34251342 | xxxxxx | 08/20/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide the CPA license number / verification (Expense Factor provided). |  |  | Reviewer Comment (2025-09-03): Received CPA license. Exception cleared.<br>Reviewer Comment (2025-08-22): Received CPA google search wherein license information is missing. Provide the CPA license number/verification from an official source such as CPAverify.org. Exception remains. | 09/03/2025 |  |  | 1 | C A | C A D | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 841227 | xxxxxx | 34251441 | xxxxxx | 08/20/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,100.00 exceeds tolerance of $950.00. Insufficient or no cure was provided to the borrower. (7506) | Additional information is required to determine if COC is valid regarding the appraisal complexity causing the fee to increase. |  |  | Reviewer Comment (2025-09-03): SitusAMC received COC dated xxxxxx .<br>Reviewer Comment (2025-08-22): SitusAMC received Changed Circumstance dated xxxxxx stating reason as "Increased due to complexity of property" but we would require detail reason as to what caused the property to be complex. Kindly provide detailed COC for the fee increased or provide cure docs. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing. | 09/03/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 841240 | xxxxxx | 34032809 | xxxxxx | 07/30/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Citizenship Affidavit not provided |  | Affidavit not provided for xxxxxx. |  |  | Reviewer Comment (2025-08-07): Received Citizenship Affidavit. Exception cleared.<br>Reviewer Comment (2025-08-04): Received Citizenship Affidavit for xxxxxx, however the document requested is Citizenship Affidavit for xxxxxx. Exception remains. | 08/07/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D A C | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 841240 | xxxxxx | 34032846 | xxxxxx | 07/30/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC searches not run on Property Seller, xxxxxx. |  |  | Reviewer Comment (2025-08-04): Received updated Fraud report including Property Seller. Exception cleared. | 08/04/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D A C | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 841240 | xxxxxx | 34032961 | xxxxxx | 07/30/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note date: xxxxxx; Lien Position: 1 |  |  |  | Reviewer Comment (2025-08-05): Received Secondary valuation. Exception cleared. | 08/05/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Investment | Purchase | D A C | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 841240 | xxxxxx | 34075449 | xxxxxx | 07/30/2025 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | Blanket policy is missing |  |  | Reviewer Comment (2025-08-07): Received Master Policy. Exception cleared.<br>Reviewer Comment (2025-08-06): Received same HO6 policy which was already in file. Please provide Blanket policy with property coverage. Exception remains.<br>Reviewer Comment (2025-08-04): Received document is Certificate of Liability Insurance that does not contain the property coverage. Please provide Blanket policy with property coverage. Exception remains. | 08/07/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D A C | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 841241 | xxxxxx | 34134212 | xxxxxx | 08/08/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $21,700.00. Provide updated policy reflecting minimum coverage of $xxxxxx OR provide copy of insurer's replacement cost estimate supporting current coverage amount. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | Reviewer Comment (2025-09-05): Client elects to waive with verified compensation factors. Insurance coverage confirmed to cover the loan amount<br>Reviewer Comment (2025-09-02): Received same HOI Policy that reflects dwelling coverage of xxxxxx. Provide updated policy reflecting minimum coverage of $xxxxxx OR provide copy of insurer's replacement cost estimate supporting current coverage amount. Exception remains.<br>Reviewer Comment (2025-08-18): The attached is not acceptable. An RCE must be provided for OH or sufficient coverage. |  |  | 09/05/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 841241 | xxxxxx | 34165252 | xxxxxx | 08/08/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | VOR, item #7, reflects Mortgage vs. Rental. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | Reviewer Comment (2025-08-17): Client elects to waive with verified compensation factors |  |  | 08/17/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 841244 | xxxxxx | 34197490 | xxxxxx | 08/19/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure xxxxxx on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Final xxxxxx | Selling Closing Disclosure not provided. |  |  | Reviewer Comment (2025-08-28): SitusAMC received copy of seller CD. | 08/28/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 841244 | xxxxxx | 34197495 | xxxxxx | 08/19/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | All parties to the transaction were not included. The authorized signor for the seller, xxxxxx, was not included. |  |  | Reviewer Comment (2025-08-29): Received Fraud and OFAC search run on seller, xxxxxx. Exception cleared. | 08/29/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 841244 | xxxxxx | 34198047 | xxxxxx | 08/19/2025 | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. | Calculated Available for Reserves of $4,293.28 is less than Guideline Available for Reserves of $5,386.77. |  |  |  | Reviewer Comment (2025-08-27): Paid POCB fee invoices provided. | 08/27/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 841244 | xxxxxx | 34244088 | xxxxxx | 08/19/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,483.20 exceeds tolerance of $1,300.00. Insufficient or no cure was provided to the borrower. (7506) | COC states appraisal fee increased on xxxxxx due to flip appraisal and needing a second appraisal. The initial appraisal with Seller purchase information was received xxxxxx at which time a 442 inspection was disclosed only but not the second appraisal fee. |  |  | Reviewer Comment (2025-09-12): SitusAMC received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception.<br>Reviewer Comment (2025-09-09): SitusAMC received rebuttal and COC dated xxxxxx available in file, but it does not give sufficient information on why the appraisal fee was increased. In order to determine if the changed circumstance is valid more information is necessary on reason fee increased and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Reviewer Comment (2025-08-28): Cure required for increase in appraisal fee is $183.20. Cure requirements include LOE, corrected CD, proof of mailing and copy of refund check. |  | 09/12/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 841253 | xxxxxx | 33938909 | xxxxxx | 07/18/2025 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Flood Insurance Policy not provided |  | Blanket policy states for Flood: See attached declarations page. This was not provided. |  |  | Reviewer Comment (2025-07-23): Received Flood Insurance. Exception cleared. | 07/23/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 841253 | xxxxxx | 33969414 | xxxxxx | 07/18/2025 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Questionable Occupancy: Valuation occupancy differs from occupancy on loan approval. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Appraisal reflects OO. |  |  | Reviewer Comment (2025-07-29): Updated appraisal provided | 07/29/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 841253 | xxxxxx | 33969500 | xxxxxx | 07/18/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | Appraisal provided has a completion date post-close. Provide the pre-close appraisal with completion date at or prior to closing. |  |  | Reviewer Comment (2025-07-21): Pre-close appraisal provided | 07/21/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 841253 | xxxxxx | 33969567 | xxxxxx | 07/18/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | HOA project is involved in litigation. |  | HOA is in active litigation for xxxxxx. Investor exception will be required. | Borrower has owned the subject property for at least 5 years.<br>Experienced investor owns and manages 1 or more properties for 12 months | Experienced investor owns and manages 1 or more properties for 12 months | Reviewer Comment (2025-08-22): Client elects to waive with verified compensation factors. Per the Client, Litigation is not applicable to subject or borrower and is not strucutural.<br>Reviewer Comment (2025-08-20): This is an RA requirement and as previously mentioned on 7/24, it is irrelevant what the litigation is for due to RA requirements. An investor exception will be required.<br>Reviewer Comment (2025-07-24): The same documents were provided that were in file at time of review. It does not matter what the litigation is involving as this is an Rating Agency requirement for litigation. The HOA cert states litigation. An exception will be required. |  |  | 08/22/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 841253 | xxxxxx | 33969605 | xxxxxx | 07/18/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: HOA Questionnaire not provided |  | The HOA questionnaire is incomplete. Does not list # of units sold as a primary or investment. Per investor credit memo, the HOA questionnaire is relied upon 100% vs. appraisal. |  |  | Reviewer Comment (2025-08-07): Email from HOA provided | 08/07/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 841267 | xxxxxx | 34061408 | xxxxxx | 08/01/2025 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  |  | Reviewer Comment (2025-08-05): Received E-Sign Consent Agreement. Exception cleared. | 08/05/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 841267 | xxxxxx | 34061548 | xxxxxx | 08/01/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx, xxxxxx Statement | Provide evidence of PITIA. Appears this is a prospective purchase based on LOE in file. |  |  | Reviewer Comment (2025-08-05): Received Final CD. Exception cleared. | 08/05/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 841267 | xxxxxx | 34061701 | xxxxxx | 08/01/2025 | Compliance | Note | General | Note | Prepayment Penalty Discrepancy | Final TIL / CD indicates loan has PPP, however file does not contain prepayment penalty addendum. Missing prepay data may result in invalid high cost, xxxxxx, and/or QM points and fees findings. | CD states Yes to PPP, however $0 in first 5 years. No PPP. |  |  | Reviewer Comment (2025-08-01): Client elects to waive |  |  | 08/01/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 841267 | xxxxxx | 34061874 | xxxxxx | 08/01/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  | Reviewer Comment (2025-08-05): Received Approval. Exception cleared. | 08/05/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 841267 | xxxxxx | 34062118 | xxxxxx | 08/01/2025 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of 717 is less than Guideline representative FICO score of 720. | Investor Exception in file: Waiving escrow requires 720. | Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | DTI <=36% which is below requirement in guidelines | Reviewer Comment (2025-08-01): Client elects to waive with verified compensation factors |  |  | 08/01/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 841267 | xxxxxx | 34119698 | xxxxxx | 08/01/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Business purpose certificate not provided in the file. |  |  | Reviewer Comment (2025-08-11): Received business purpose certificate disclosure. Exception cleared. | 08/11/2025 |  |  | 1 | C A | C A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 841267 | xxxxxx | 34120071 | xxxxxx | 08/01/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  |  | Reviewer Comment (2025-08-07): Received Gap Credit Report. Exception cleared. | 08/07/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 841267 | xxxxxx | 34120721 | xxxxxx | 08/01/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx, xxxxxx Other | Provide the Final CD. Concurrent loan closing - Refinance - Evidence of new PITIA |  |  | Reviewer Comment (2025-08-05): Received Final CD. Exception cleared. | 08/05/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 841267 | xxxxxx | 34476504 | xxxxxx | 09/16/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | PPP was added post-close. Provide the LOE to borrower, evidence of delivery to the borrower and corrected PC-CD. |  |  | Reviewer Comment (2025-09-24): LOE to borrower evidence of delivery to borrower and corrected PC-CD provided. | 09/24/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 841273 | xxxxxx | 34444237 | xxxxxx | 09/16/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Taxes, Insurance And Assessments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xxxxxx disclosed an Estimated Taxes, Insurance, and Assessments payment that does not match the actual payment for the loan. (Final xxxxxx) | An Estimated Taxes, Insurance & Assessments payments are not disclosed on Final CD. |  |  | Reviewer Comment (2025-09-24): SitusAMC received Letter of Explanation & Corrected Closing Disclosure.<br>Reviewer Comment (2025-09-22): SitusAMC Received Corrected PCCD and LOE; however, provided LOE states Post Closing updated Final Settlement statement and not Post Close Closing Disclosure. Provide Updated LOE.<br>Reviewer Comment (2025-09-18): SitusAMC received corrected PCCD, Missing copy of LOE to borrower which accompanied the PCCD to finalize cure. |  | 09/24/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 841273 | xxxxxx | 34444239 | xxxxxx | 09/16/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Property Costs Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxxxx did not disclose Estimated Property Costs over Year 1 for loan with no escrow account established. (Final xxxxxx) | The Amount of Estimated Property Costs Over Year 1 is not completed on Final CD. |  |  | Reviewer Comment (2025-09-24): SitusAMC received Letter of Explanation & Corrected Closing Disclosure.<br>Reviewer Comment (2025-09-22): SitusAMC Received Corrected PCCD and LOE; however, provided LOE states Post Closing updated Final Settlement statement and not Post Close Closing Disclosure. Provide Updated LOE.<br>Reviewer Comment (2025-09-18): SitusAMC received corrected PCCD, Missing copy of LOE to borrower which accompanied the PCCD to finalize cure. |  | 09/24/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 841273 | xxxxxx | 34444240 | xxxxxx | 09/16/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxxxx incorrectly disclosed whether the loan will have an escrow account. (Final xxxxxx) | The Reason for 'Will not have an escrow account balance' is not disclosed on Final CD. |  |  | Reviewer Comment (2025-09-24): SitusAMC received Letter of Explanation & Corrected Closing Disclosure.<br>Reviewer Comment (2025-09-22): SitusAMC Received Corrected PCCD and LOE; however, provided LOE states Post Closing updated Final Settlement statement and not Post Close Closing Disclosure. Provide Updated LOE.<br>Reviewer Comment (2025-09-18): SitusAMC received PCCD, however PCCD did not designate a reason on Page 4 " Escrow Account - Will Not Have an Escrow Account Because" - reason was missing and not marked as "declined" or "lender does not offer". Letter of Explanation and Corrected CD required to cure. |  | 09/24/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 841273 | xxxxxx | 34444241 | xxxxxx | 09/16/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $900.00 exceeds tolerance of $750.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  |  | Reviewer Comment (2025-09-12): Sufficient Cure Provided At Closing |  | 09/12/2025 |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 841273 | xxxxxx | 34444246 | xxxxxx | 09/16/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | A gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 30- days prior to loan closing or any time after closing.<br> • Any new tradeline with a balance must be included in determining the DTI ratio. |  |  | Reviewer Comment (2025-09-19): Received Gap credit report dated xxxxxx . Exception cleared. | 09/19/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 841273 | xxxxxx | 34475362 | xxxxxx | 09/16/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | 1) Business returns are signed but not dated by the borrower 2) The P&L is not signed and dated by the borrower |  |  | Reviewer Comment (2025-09-25): Received signed and dated business returns. Also received signed P&L by the borrower. Exception cleared. | 09/25/2025 |  |  | 1 | C A | C A D | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 841304 | xxxxxx | 34360233 | xxxxxx | 09/09/2025 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  |  | Reviewer Comment (2025-09-10): E-consent provided | 09/10/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 841304 | xxxxxx | 34375657 | xxxxxx | 09/09/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx or xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  | Reviewer Comment (2025-09-10): Supplement provided | 09/10/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 841349 | xxxxxx | 33949737 | xxxxxx | 07/22/2025 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | ISAOA is missing |  |  | Reviewer Comment (2025-07-25): Updated HOI provided | 07/25/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 841349 | xxxxxx | 33974345 | xxxxxx | 07/22/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Incorrect spelling of Borrower's last name on the signature line for the Note, Security Agreement and the Final CD. It is noted that the spelling of Borrowers last name was corrected by hand on the signature lines for the addendum to the Note, DOT Riders, and Guarantor Agreement only. |  |  | Reviewer Comment (2025-08-22): Lender's LOI provided<br>Reviewer Comment (2025-08-20): Comments provided appear to be for the Seller. Pending receipt of Lender's LOI.<br>Reviewer Comment (2025-08-19): Received LOE to borrower and evidence of delivery. Pending receipt of Lender's LOI.<br>Reviewer Comment (2025-08-17): Received corrected Note and executed CD. However, please review comments from xxxxxx Pending receipt of LOE to borrower, evidence of delivery to the borrower and lender's LOI.<br>Reviewer Comment (2025-08-04): xxxxxx provided is only for the DOT. The note and Final CD are also incorrect as well as LOE to borrower, evidence of delivery to borrower and lender's LOI was not provided. | 08/22/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 841582 | xxxxxx | 34045479 | xxxxxx | 07/30/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participants, authorized signor for seller, xxxxxx, was not included in the report. |  |  | Reviewer Comment (2025-08-06): Received fraud and OFAC search run on authorized signor for seller, xxxxxx. Exception cleared. | 08/06/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 841582 | xxxxxx | 34075677 | xxxxxx | 07/30/2025 | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | The DOT signature for xxxxxx says individually which should be on xxxxxx only per the Note as xxxxxx is the only credit qualifier. However, xxxxxx was the only one that signed as Settlor. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | Reviewer Comment (2025-07-29): Client elects to waive |  |  | 07/29/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 841594 | xxxxxx | 34022068 | xxxxxx | 07/29/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  |  | Reviewer Comment (2025-08-11): Received Final Title policy. Exception cleared. | 08/11/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 841594 | xxxxxx | 34022069 | xxxxxx | 07/29/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx or xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  | Reviewer Comment (2025-08-11): Received Final Title policy. Exception cleared. | 08/11/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 841594 | xxxxxx | 34060237 | xxxxxx | 07/29/2025 | Credit | Guideline | Guideline Issue | Guideline | Escrow waiver not allowed per guidelines. |  | Only flood insurance was escrowed. The borrower does not meet the minimum 12 months reserves for an escrow waiver of taxes and insurance. |  |  | Reviewer Comment (2025-08-12): Received additional asset. Escrow waiver requirement meet. Exception cleared. | 08/12/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 841670 | xxxxxx | 34182213 | xxxxxx | 08/15/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud Report missing for Guarantor xxxxxx |  |  | Reviewer Comment (2025-08-27): Received Fraud report with all red flags are addressed. Exception cleared.<br>Reviewer Comment (2025-08-25): Received Fraud Report. However there are red flags that are not addressed. Exception remains.<br>Reviewer Comment (2025-08-20): Received Fraud report is for LLC which was already in file. Provide Fraud Report for Guarantor xxxxxx. Exception remains. | 08/27/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 841670 | xxxxxx | 34188346 | xxxxxx | 08/15/2025 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of 0.85 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. | Investor exception in file for DSCR < 1.00 for a First Time Investor | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | Reviewer Comment (2025-08-15): The client elects to waive. |  |  | 08/15/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 841755 | xxxxxx | 34541292 | xxxxxx | 09/29/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Commitment |  |  |  | Reviewer Comment (2025-10-06): FTP provided | 10/06/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B A | B | B A | N/A | Non QM | No | Mortgagor Focused |
| xxxxxx | 841755 | xxxxxx | 34541320 | xxxxxx | 09/29/2025 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of xxxxxx is less than the note amount of xxxxxx based on the Commitment in file. |  |  |  | Reviewer Comment (2025-10-06): FTP provided | 10/06/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B A | B | B A | N/A | Non QM | No | Mortgagor Focused |
| xxxxxx | 841755 | xxxxxx | 34587640 | xxxxxx | 09/29/2025 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - Not High Cost and Not Higher Priced | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment). | Initial 1003 reflects primary and intent to occupy |  |  | Reviewer Comment (2025-09-28): Client elects to waive |  |  | 09/28/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B A | B | B A | N/A | Non QM | No | Mortgagor Focused |
| xxxxxx | 841756 | xxxxxx | 33828212 | xxxxxx | 07/09/2025 | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  | Reviewer Comment (2025-07-11): Flood cert provided | 07/11/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 841756 | xxxxxx | 33828230 | xxxxxx | 07/09/2025 | Credit | Loan Package Documentation | Closing / Title | Title | Title: Evidence of title is missing |  |  |  |  | Reviewer Comment (2025-07-11): Title commitment provided | 07/11/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 841756 | xxxxxx | 33845135 | xxxxxx | 07/09/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | > 90 days old. |  |  | Reviewer Comment (2025-07-11): Updated COGS provided | 07/11/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 841756 | xxxxxx | 33845138 | xxxxxx | 07/09/2025 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Estimate closing statement only in file. |  |  | Reviewer Comment (2025-07-11): Final stamped settlement statement provided | 07/11/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 841756 | xxxxxx | 33845139 | xxxxxx | 07/09/2025 | Credit | Business Purpose | General | Business Purpose | Missing Document: Spousal Consent not provided. | Borrower: xxxxxx |  |  |  | Reviewer Comment (2025-08-11): Received Spousal Consent. Exception cleared. | 08/11/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 841756 | xxxxxx | 33845140 | xxxxxx | 07/09/2025 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | The State is missing from the Subject property address on the HOI. Further, page 2 which reflects the premium reflects a location on xxxxxx. |  |  | Reviewer Comment (2025-07-30): Received corrected HOI. Exception cleared. | 07/30/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 841769 | xxxxxx | 34142924 | xxxxxx | 08/08/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Note: File only contained the "Cleared" responses, but the fraud report was not provided. |  |  | Reviewer Comment (2025-08-26): Received complete Fraud report. Exception cleared. | 08/26/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 841769 | xxxxxx | 34165230 | xxxxxx | 08/08/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | The appraisal provided has a completion date post-close. Provide the pre-close appraisal. |  |  | Reviewer Comment (2025-08-29): Received pre-close appraisal. Exception cleared. | 08/29/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 841769 | xxxxxx | 34165233 | xxxxxx | 08/08/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  | The Guarantor Agreement is signed as a business vs. individual. |  |  | Reviewer Comment (2025-08-26): Received individual executed Guarantor Agreement. Exception cleared. | 08/26/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 841769 | xxxxxx | 34165235 | xxxxxx | 08/08/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Provide the RCE |  |  | Reviewer Comment (2025-09-05): RCE provided<br>Reviewer Comment (2025-09-03): The same document was provided that was in file at time of review. The RCE is required to determine what the insured replacement cost is as the dwelling coverage does not cover 80% of the estimate cost new on the appraisal. | 09/05/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 841915 | xxxxxx | 34035511 | xxxxxx | 07/30/2025 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  |  |  |  | Reviewer Comment (2025-08-06): The fraud report was provided | 08/06/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D A C | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 841915 | xxxxxx | 34035517 | xxxxxx | 07/30/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Must contain all participants |  |  | Reviewer Comment (2025-08-06): The fraud report was provided. | 08/06/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D A C | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 841915 | xxxxxx | 34035518 | xxxxxx | 07/30/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  | Reviewer Comment (2025-08-01): Received Approval. Exception cleared. | 08/01/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D A C | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 841915 | xxxxxx | 34035547 | xxxxxx | 07/30/2025 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $61,887.11 is less than Cash From Borrower $154,632.95. |  |  |  | Reviewer Comment (2025-08-12): Received Closing Disclosure for REO property. Exception cleared. | 08/12/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D A C | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 841915 | xxxxxx | 34035556 | xxxxxx | 07/30/2025 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of xxxxxx is less than the note amount of xxxxxx based on the Commitment in file. |  |  |  | Reviewer Comment (2025-08-07): Updated title provided<br>Reviewer Comment (2025-08-04): The incorrect and correct title are dated and time stamped the same. Provide evidence which one is the last one (i.e. email from title with updates). | 08/07/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Investment | Purchase | D A C | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 841915 | xxxxxx | 34035557 | xxxxxx | 07/30/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note date: xxxxxx; Lien Position: 1 |  |  |  | Reviewer Comment (2025-08-13): Received CDA. Exception cleared. | 08/13/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Investment | Purchase | D A C | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 841915 | xxxxxx | 34035636 | xxxxxx | 07/30/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 2.00. |  |  |  | Reviewer Comment (2025-08-12): Received Closing Disclosure for REO property. Exception cleared. | 08/12/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D A C | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 841915 | xxxxxx | 34048693 | xxxxxx | 07/30/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Provide the RCE. The RCE in file does not have an address listed. |  |  | Reviewer Comment (2025-08-06): Received RCE. Exception cleared. | 08/06/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D A C | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 841915 | xxxxxx | 34076963 | xxxxxx | 07/30/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1007 Rent Comparison Schedule is incomplete |  | The 1007 was utilized for STR, however does not contain the information as required per the guidelines. <br> Short-term rental (STR) analysis form or 1007/1025 may be used. The analysis must include the following:<br> ▪ Provide the source of the data used to complete the STR analysis.<br> ▪ Include daily rental rate and occupancy percentage.<br> ▪ Factor seasonality and vacancy into the analysis. |  |  | Reviewer Comment (2025-08-07): STR analysis provided | 08/07/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D A C | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 841915 | xxxxxx | 34077004 | xxxxxx | 07/30/2025 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Other not provided |  | The Business Loan Rider to the DOT is missing the date on page 1. |  |  | Reviewer Comment (2025-08-14): Received LOE to borrower and evidence of delivery to borrower. Exception cleared.<br>Reviewer Comment (2025-08-07): Received Re-recorded Security Deed, executed Business Loan Rider, Lender's intend to re-record Security Deed. Pending receipt of LOE to borrower and evidence of delivery to borrower. Exception remains.<br>Reviewer Comment (2025-08-01): The same rider was provided with the date. Provide LOE to borrower, evidence of delivery to the borrower and lender's letter to intent to re-record. Exception remains. | 08/14/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D A C | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 841995 | xxxxxx | 34063433 | xxxxxx | 07/31/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor exception for investor concentration > 60%. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects. | Experienced investor owns and manages 2 or mor properties for 12 months | Reviewer Comment (2025-07-30): Client elects to waive with verified compensation factors |  |  | 07/30/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 841995 | xxxxxx | 34063486 | xxxxxx | 07/31/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided |  | CD reflects a PPP |  |  | Reviewer Comment (2025-08-05): Received Note Addendum - Prepayment document. Exception cleared. | 08/05/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | Yes | Property Focused |
| xxxxxx | 841995 | xxxxxx | 34063499 | xxxxxx | 07/31/2025 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Other not provided |  | DOT reflects a PPP rider should be attached. |  |  | Reviewer Comment (2025-08-05): Received Prepayment Premium Rider. Exception cleared. | 08/05/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 842016 | xxxxxx | 34192159 | xxxxxx | 08/18/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor Exception - Each of the xxxxxx units have xxxxxx. Minimum required per the guidelines is 400 square feet per unit. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Credit Score 30+ points > minimum required | Reviewer Comment (2025-08-18): Client elects to waive with verified compensation factors |  |  | 08/18/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 842016 | xxxxxx | 34192169 | xxxxxx | 08/18/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-xxxxxx Status not provided |  | Permanent Resident Alien card missing in file |  |  | Reviewer Comment (2025-08-26): Received Permanent Resident Alien card. Exception cleared. | 08/26/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 842016 | xxxxxx | 34192181 | xxxxxx | 08/18/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | Policy has xxxxxx and Note has xxxxxx |  |  | Reviewer Comment (2025-08-29): Updated HOI provided | 08/29/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 842016 | xxxxxx | 34192184 | xxxxxx | 08/18/2025 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Flood Certificate has xxxxxx and Note has xxxxxx |  |  | Reviewer Comment (2025-08-28): Updated flood cert provided | 08/28/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 842016 | xxxxxx | 34192209 | xxxxxx | 08/18/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Desk Review / Valuation Report date: xxxxxx | CDA has xxxxxx and Note has xxxxxx |  |  | Reviewer Comment (2025-09-02): Updated CDA provided | 09/02/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 842057 | xxxxxx | 34147462 | xxxxxx | 06/26/2025 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided |  | Security Instrument missing in Loan File. |  |  | Reviewer Comment (2025-07-21): Provided and cleared<br>Reviewer Comment (2025-07-15): The mortgage (DOT) | 07/21/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 842057 | xxxxxx | 34147464 | xxxxxx | 06/26/2025 | Credit | Investment Product | General Exception | Investment Product | Security Instrument Error: Assignment of Leases/Rents is not in the file and required by guidelines | Document: Assignment of Leases/Rents | Assignment of Leases/Rents missing in Loan File. |  |  | Reviewer Comment (2025-07-31): Assignment of Leases/Rents provided, exception cleared.<br>Reviewer Comment (2025-07-15): Not finding this in file can you give a page number | 07/31/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 842057 | xxxxxx | 34147465 | xxxxxx | 06/26/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided |  | The Prepayment Rider/Addendum was not provided. |  |  | Reviewer Comment (2025-07-31): Prepayment penalty rider provided, exception cleared.<br>Reviewer Comment (2025-07-15): Not finding this in file can you give a page number | 07/31/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | Yes | Property Focused |
| xxxxxx | 842102 | xxxxxx | 34102415 | xxxxxx | 07/30/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Per client, changing to STR income. Any of the following methods may be used to determine gross monthly rental income:<br> o Short-term rental (STR) analysis form or 1007/1025 may be used. The analysis must include the following:<br> ▪ Provide the source of the data used to complete the STR analysis.<br> ▪ Include comparable STR properties, focusing on room count, gross living area (GLA), location, and market appeal.<br> ▪ Include daily rental rate and occupancy percentage.<br> ▪ Factor seasonality and vacancy into the analysis.<br> ▪ Must be completed by a licensed appraiser.<br> o The most recent 12-month rental history statement from the 3rd party rental/management service.<br> ▪ The statement must identify the subject property/unit, rents collected for the previous 12-months, and all vendor management fees. The qualifying income must be net of all vendor or management fees.<br> o The most recent 12-month bank statements from the borrower/guarantor evidencing short-term rental deposits. Borrower/guarantor must provide rental records for the subject property to support monthly deposits.<br> o xxxxxx xxxxxx/Property Earning Potential Report accessed using the Explore Short-Term Rental data, must meet the following:<br> ▪ xxxxxx (Property Earning Potential Report)<br> § Only allowed for purchase transaction<br> § Gross rents equal the revenue projection from the Property Earning Potential Report less the 20% extraordinary expense factor<br> § Forecast period must cover 12-months and dated 90-days within the Note date<br> § Maximum occupancy limited to 2 individuals per bedroom<br> § Must have three (3) comparable properties similar in size, room count, amenities, availability, and occupancy<br> § Market Score or Sub-Market Score must be 60 or greater as reflected on the Property Earning Potential Report. |  |  | Reviewer Comment (2025-08-06): The 1007 provided meets the guideline requirement.<br>Reviewer Comment (2025-08-06): Received comparable rent schedule, the appraiser used the document from xxxxxx to derive the short term market rent. Therefore provide the document from xxxxxx to verify the requirements as mentioned on the original condition. Exception remains.<br>Reviewer Comment (2025-08-04): No new document was uploaded into clarity. Please provide the document as requested on the original condition. Exception remains. | 08/06/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Investment | Purchase | A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 842341 | xxxxxx | 34201498 | xxxxxx | 08/19/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | The appraisal was not provided for review. Provide the color appraisal. |  |  | Reviewer Comment (2025-08-22): Received colored appraisal. Exception cleared. | 08/22/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 842341 | xxxxxx | 34201541 | xxxxxx | 08/19/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | Disaster Name: xxxxxx, AND xxxxxx<br> Disaster Declaration Date: xxxxxx <br> Disaster End Date: xxxxxx (Note: Appraisal is missing) |  |  | Reviewer Comment (2025-08-22): Appraisal received. Completed after disaster end date. | 08/22/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 842341 | xxxxxx | 34201542 | xxxxxx | 08/19/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: 1 | Note date: xxxxxx; Lien Position: 1 | The appraisal was not provided for review. Provide the color appraisal. |  |  | Reviewer Comment (2025-08-22): Received colored appraisal. Exception cleared. | 08/22/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 842341 | xxxxxx | 34206498 | xxxxxx | 08/19/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Vacation Rental Income Statement (xxxxxx, xxxxxx, etc.) not provided |  | File does not contain the 1007 reflecting STR income and all requirements or the xxxxxx report with all requirements. |  |  | Reviewer Comment (2025-09-03): Updated 1007 provided<br>Reviewer Comment (2025-08-29): Received appraisal with Short Term Rental Schedule, however per guidelines, the analysis must include the following: ▪ Provide the source of the data used to complete the STR analysis. ▪ Include comparable STR properties, focusing on room count, gross living area (GLA), location, and market appeal. ▪ Include daily rental rate and occupancy percentage. ▪ Factor seasonality and vacancy into the analysis. Exception remains.<br>Reviewer Comment (2025-08-22): Received 1007 reflecting short term rent. However, provide the source of the data used to complete the STR analysis. Exception remains. | 09/03/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 842341 | xxxxxx | 34234893 | xxxxxx | 08/19/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | The 1003 for the borrower's primary residence reflects a xxxxxx residence. Borrower is a Foreign National per approval. Must reflect overseas address as there is no program from Foreign Nationals living in the xxxxxx. |  |  | Reviewer Comment (2025-08-28): Lender attestation provided<br>Reviewer Comment (2025-08-26): The updated 1003 is not signed, dated or initialed by the borrower. Provide the lender attestation regarding error and why a xxxxxx address was initially listed. Attestation to note lender confirmed borrower is living overseas and not in the xxxxxx.<br>Reviewer Comment (2025-08-25): The same 1003 was provided again. Please review the original condition. The 1003 for the borrower's primary residence reflects a xxxxxx residence. Borrower is a Foreign National per approval. Must reflect overseas address as there is no program from Foreign Nationals living in the xxxxxx.<br>Reviewer Comment (2025-08-20): The same 1003 was provided that was in file at time of review. Please review the original condition. The 1003 for the borrower's primary residence reflects a xxxxxx residence. Borrower is a Foreign National per approval. Must reflect overseas address as there is no program from Foreign Nationals living in the xxxxxx. | 08/28/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 842341 | xxxxxx | 34234913 | xxxxxx | 08/19/2025 | Credit | Guideline | Guideline Issue | Guideline | Rural property type is not permitted per Guidelines. |  | Rural property on > 2 acres not allowed on xxxxxx. Investor exception in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Credit Score 30+ points > minimum required | Reviewer Comment (2025-08-18): Client elects to waive with verified compensation factors |  |  | 08/18/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 842341 | xxxxxx | 34235336 | xxxxxx | 08/19/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  | The Guarantor Agreement, on page 1 and signature page reflect "Member". Should be signed as an individual. |  |  | Reviewer Comment (2025-08-22): Received Guarantor Agreement signed as an individual. Exception cleared. | 08/22/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 842356 | xxxxxx | 34168629 | xxxxxx | 08/13/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Mortgage on title is cross collateralizef with another parcel/property xxxxxx). Title reflects partial release. Full release or clear final title policy is required. |  |  | Reviewer Comment (2025-09-02): Satisfaction of full lien provided | 09/02/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 842356 | xxxxxx | 34191307 | xxxxxx | 08/13/2025 | Credit | Guideline | Guideline Issue | Guideline | The Guarantor's Percent of Business Ownership does not meet guideline requirements. | Borrower: xxxxxx % of Business Ownership: 0.00% | Non member signed all loan documents as a member and guaranteed the loan along side of the 100% member. |  |  | Reviewer Comment (2025-08-19): 100% owner is on the loan. Additional Guarantor has credit documents in file. OA amendment provided splitting xxxxxx ownership.<br>Reviewer Comment (2025-08-15): The operating agreement states that xxxxxx owns 100% of the LLC, but xxxxxx also signed the documents, indicating no ownership. | 08/19/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 842429 | xxxxxx | 33938445 | xxxxxx | 07/17/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | Valuation Type: Appraisal / Valuation Report date: xxxxxx |  |  |  | Reviewer Comment (2025-07-31): Updated appraisal provided with as-is and comments items were provided for review as requested on previous appraisal from appraiser. | 07/31/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | D C A | C | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 842429 | xxxxxx | 33938538 | xxxxxx | 07/17/2025 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $621.34 is less than Cash From Borrower $332,502.77. |  |  |  | Reviewer Comment (2025-07-21): Proceeds from sale from property provided for assets | 07/21/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | D C A | C | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 842429 | xxxxxx | 33938653 | xxxxxx | 07/17/2025 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  | Reviewer Comment (2025-07-17): Client elects to waive |  |  | 07/17/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Purchase | D C A | C | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 842429 | xxxxxx | 33938655 | xxxxxx | 07/17/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Additional 3-Day Waiting Period Timing Test – Regular Transaction | TILA-RESPA Integrated Disclosure – Most recent Closing Disclosure received at least 3 days prior to closing dated xxxxxx disclosed an inaccurate APR of 7.55900% compared to the actual APR at consummation of 6.97525% and a revised CD disclosing an accurate APR was not received by borrower at least three (3) business days prior to consummation. | 1026.19(f)(1)(i) and (ii) require that the consumer receives accurate disclosures with the actual terms of the transaction at least three (3) specific/precise business days prior to consummation. If the APR disclosed on the initial CD becomes inaccurate as defined under 1026.22, revised disclosures with an accurate APR must be disclosed and a new 3-day waiting period prior to consummation provided. The APR on the most recent CD received 3 days prior to consummation (7.5591%-) changed more than the 0.125% threshold compared to the actual/calculated APR at consummation (6.97525%) and a revised disclosure with accurate APR was not received by the consumer at least 3 business days prior to consummation. |  |  | Reviewer Comment (2025-07-21): Client elects to waive. SOL 1 year expires xxxxxx. |  |  | 07/21/2025 | 3 | C | C | xxxxxx | xxxxxx | Primary | Purchase | TRID timing exception, no remediation available. C A | C | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 842429 | xxxxxx | 33938656 | xxxxxx | 07/17/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on or after xxxxxx contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation |  |  |  | Reviewer Comment (2025-07-21): Client elects to waive. SOL 1 year expires xxxxxx. |  |  | 07/21/2025 | 3 | C | C | xxxxxx | xxxxxx | Primary | Purchase | TRID timing exception, no remediation available. C A | C | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 842429 | xxxxxx | 33938658 | xxxxxx | 07/17/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $18,582.56 exceeds tolerance of $6,684.00. Insufficient or no cure was provided to the borrower. (7200) | The Loan Discount Points. Fee on the Loan Estimate dated xxxxxx was $4,650.00; re-disclosed xxxxxx $6,684.38. however, the final Closing Disclosure reflects $18,582.56 without a valid change of circumstance. |  |  | Reviewer Comment (2025-07-21): Client elects to waive. SOL 1 year expires xxxxxx. |  |  | 07/21/2025 | 3 | C | C | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | C | C A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 842429 | xxxxxx | 33938679 | xxxxxx | 07/17/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 3.00. | The Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 3.00. |  |  | Reviewer Comment (2025-07-21): Proceeds from sale from property provided for assets | 07/21/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | D C A | C | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 842429 | xxxxxx | 33938690 | xxxxxx | 07/17/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Insufficient reserves |  |  | Reviewer Comment (2025-07-21): Proceeds from sale from property provided for assets | 07/21/2025 |  |  | 1 | B A C | B A C | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | C | C A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 842429 | xxxxxx | 33938691 | xxxxxx | 07/17/2025 | 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. | Insufficient reserves |  |  | Reviewer Comment (2025-07-21): Proceeds from sale from property provided for assets | 07/21/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | D C A | C | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 842429 | xxxxxx | 33957387 | xxxxxx | 07/17/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | All parties to the transaction were not included. The Seller xxxxxx, signing on behalf of xxxxxx, is missing. |  |  | Reviewer Comment (2025-07-28): PC addendum removing xxxxxx and assigning xxxxxx as agent provided signed by all parties. Fraud and ofac search provided for xxxxxx.<br>Reviewer Comment (2025-07-25): Condition cannot be waived. xxxxxx is the authorized signor for the xxxxxx (Seller).<br>Reviewer Comment (2025-07-22): Received Purchase contract was already in file. Provide Fraud and OFAC search run on Seller xxxxxx, signing on behalf of xxxxxx. Exception remains. | 07/28/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | D C A | C | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 842429 | xxxxxx | 33957481 | xxxxxx | 07/17/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | Investor overlays to lender's guidelines: Gap Credit Report / Undisclosed Debt Monitoring - Full/xxxxxx: Must verify all debt obligations at time of underwriting and ensure no significant changes before closing. |  |  | Reviewer Comment (2025-07-21): UDM provided before and after closing. Overlays do not specify a timeframe. | 07/21/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | D C A | C | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 842429 | xxxxxx | 33957495 | xxxxxx | 07/17/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Final Title reflects a PUD endorsement, however neither the appraisal nor DOT reflect PUD. |  |  | Reviewer Comment (2025-07-25): Endorsement to FTP provided removing PUD endorsement | 07/25/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | D C A | C | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 842429 | xxxxxx | 33957512 | xxxxxx | 07/17/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide the final Seller xxxxxx ttlement Statement to verify the current primary residence on xxxxxx has been sold at or prior to closing. |  |  | Reviewer Comment (2025-07-21): Final settlement statement provided | 07/21/2025 |  |  | 1 | C A | C A D | xxxxxx | xxxxxx | Primary | Purchase | D C A | C | C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 842456 | xxxxxx | 34246120 | xxxxxx | 08/22/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud Report is missing. Must include all participants. |  |  | Reviewer Comment (2025-08-26): Received Fraud report including all the participants. Exception cleared. | 08/26/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 842456 | xxxxxx | 34246121 | xxxxxx | 08/22/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  | Must be signed at closing | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | Reviewer Comment (2025-09-18): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-09-16): The same GA was provided that was provided on xxxxxx and xxxxxx The GA provided was signed post-close. Guidelines require GA to be signed at closing.<br>Reviewer Comment (2025-09-12): No new document was uploaded into clarity. Please provide document as requested on the comment dated xxxxxx . Exception remains.<br>Reviewer Comment (2025-09-09): The GA provided was signed post-close. Guidelines require GA to be signed at closing. |  |  | 09/18/2025 | 2 | D B | D B | xxxxxx | xxxxxx | Investment | Purchase | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 842456 | xxxxxx | 34249620 | xxxxxx | 08/22/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | Hazard reflects xxxxxx, whereas the Note reflects xxxxxx |  |  | Reviewer Comment (2025-09-02): Received corrected HOI policy. Exception cleared. | 09/02/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 842456 | xxxxxx | 34261436 | xxxxxx | 08/22/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | The 1003 reflects the borrower has been living rent free at the primary residence located at xxxxxx, however there is a VOR in file that reflects the borrower rented this property up until July 2025 and is in the borrower name only. There is an LOE in file from the a non-borrower that says they pay the rent with no evidence of this. Provide the corrected 1003 as well as evidence of where the borrower is currently living. Additional conditions may apply. |  |  | Reviewer Comment (2025-09-18): Updated 1003 and lender attesation provided<br>Reviewer Comment (2025-09-16): The VOR provided with the account in the name of was typed in on the same VOR that was provided in file as well as the end date is xxxxxx. Loan closed xxxxxx and is purchase of an investment property. The updated VOR document was altered with no indication the landlord did this. The original condition nor condition comments is requesting an exception, but a corrected 1003 with the borrower address as renting for the property on xxxxxx as well as evidence of where the borrower is currently living.<br>Reviewer Comment (2025-09-09): The same VOR keeps being uploaded over and over that has been received and reviewed already. Please review the original condition as well as the comments on xxxxxx xxxxxx and xxxxxx Provide the updated 1003 and evidence of where the borrower is currently living.<br>Reviewer Comment (2025-09-08): The same VOR was provided again that was in file at time of review and provided on xxxxxx Please review comments from xxxxxx The VOR reflects the borrower's name only up until 2025 with no evidence the non-borrower is paying the rent. An LOE is not acceptable for this. Also, there is no evidence if the borrower still resides at this resident or where they are currently living. Provide the corrected 1003<br>Reviewer Comment (2025-09-03): The same VOR was provided that was in file at time of review. Please review comments from xxxxxx The VOR reflects the borrower's name only up until 2025 with no evidence the non-borrower is paying the rent. An LOE is not acceptable for this. Also, there is no evidence if the borrower still resides at this resident or where they are currently living. Provide the corrected 1003<br>Reviewer Comment (2025-09-02): The LOE does not clear this condition. The VOR reflects the borrower's name only up until 2025 with no evidence the non-borrower is paying the rent. An LOE is not acceptable for this. Also, there is no evidence if the borrower still resides at this resident or where they are currently living. Provide the corrected 1003 | 09/18/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 842456 | xxxxxx | 34261480 | xxxxxx | 08/22/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  |  | Reviewer Comment (2025-09-02): Received UDM dated xxxxxx . Exception cleared. | 09/02/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 842486 | xxxxxx | 34271046 | xxxxxx | 08/26/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $2,843.00 exceeds tolerance of $2,256.00 plus 10% or $2,481.60. Sufficient or excess cure was provided to the borrower at Closing. xxxxxx |  |  |  | Reviewer Comment (2025-08-22): Sufficient Cure Provided At Closing |  | 08/22/2025 |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | D | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 842486 | xxxxxx | 34272375 | xxxxxx | 08/26/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $2,841.00 exceeds tolerance of $2,249.00 plus 10% or $2,473.90. Insufficient or no cure was provided to the borrower. xxxxxx | Ten Percent Fee Tolerance exceeded. Total amount of $2,841.00 exceeds tolerance of $2,249.00 plus 10% or $2,473.90. Insufficient or no cure was provided to the borrower. Endorsements fees increased. |  |  | Reviewer Comment (2025-09-04): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Reviewer Comment (2025-08-28): AMC fee is excludable if it is primarily for services related to items listed in 1026.4(c)(7) such as the cost of verifying or confirming information connected to the appraisal. Otherwise, if a lump sum charged for several services includes charges that are not excludable, a portion of the total should be allocated to those services and included in the finance charge. If the AMC's fee is primarily for verifying or confirming information connected to the appraisal, please provide an attestation indicating such, otherwise, if a creditor is uncertain about what portion of a fee to be paid at consummation or loan closing is related to a 4c7 excludable service, the entire fee may be treated as a finance charge. | 09/04/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | D | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 842486 | xxxxxx | 34281922 | xxxxxx | 08/26/2025 | Compliance | Compliance | State Compliance | State Defect | (xxxxxx 50(a)(6)) xxxxxx Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Signed by the Lender) | xxxxxx Constitution Section 50(a)(6): Acknowledgment of the Fair Market Value not properly executed by the Lender. |  |  |  | Reviewer Comment (2025-09-06): Received LOE to borrower, fully executed disclosure and evidence of delivery to the borrower.<br>Reviewer Comment (2025-09-04): The document provided was signed by the lender post-close. To cure provide LOE to borrower and evidence of delivery to the borrower of the fully executed disclosure. |  | 09/06/2025 |  | 2 | C B | C B D | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | To Remediate: the lender or holder may either: (1) Deliver to the borrower the required disclosure documents, (AFMV signed by the lender), and obtain an executed copy; OR (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. Letter of explanation and proof of delivery of cure documents required, and, if cured with refund or credit, copy of refund check or evidence of principal reduction also required. B | D | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 842543 | xxxxxx | 34191855 | xxxxxx | 08/18/2025 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Only an Estimated Closing Statement was provided. |  |  | Reviewer Comment (2025-08-20): Final stamped settlement statement provided | 08/20/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 842543 | xxxxxx | 34191857 | xxxxxx | 08/18/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  | Reviewer Comment (2025-08-19): Approval provided | 08/19/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 842543 | xxxxxx | 34191929 | xxxxxx | 08/18/2025 | Credit | Guideline | Guideline Issue | Guideline | Aged document: Asset Account date is more than 90 days prior to Closing. | Financial Institution: xxxxxx // Account Type: Mutual Funds / Account Number: xxxxxx, Financial Institution: xxxxxx // Account Type: Mutual Funds / Account Number: xxxxxx | Statement is dated more than the allowed 120 days per the guidelines. Needed to meet the 12 months minimum reserves required for escrow waiver. |  |  | Reviewer Comment (2025-08-19): Updated statements provided | 08/19/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 842547 | xxxxxx | 34278400 | xxxxxx | 08/29/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC searches not run on seller, xxxxxx. |  |  | Reviewer Comment (2025-09-04): Received SAM.gov and OFAC search run on the seller xxxxxx. Exception cleared. | 09/04/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 842547 | xxxxxx | 34278414 | xxxxxx | 08/29/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | The file is missing Business Purpose Certificate. |  |  | Reviewer Comment (2025-09-08): Received Business Purpose Certificate. Exception cleared.<br>Reviewer Comment (2025-09-03): Received Business Purpose Certificate reflects incomplete subject property address. Please provide updated Business Purpose Certificate with complete information. Exception remains. | 09/08/2025 |  |  | 1 | C A | C A D | xxxxxx | xxxxxx | Investment | Purchase | D A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 842547 | xxxxxx | 34311777 | xxxxxx | 08/29/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Provide the updated 1003. Per the fraud report, borrower has vested ownership in the primary residence as well as took out a new HELOC. |  |  | Reviewer Comment (2025-09-03): Corrected 1003 provided | 09/03/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 842564 | xxxxxx | 34164217 | xxxxxx | 08/12/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor Exception - Appraisal Form 1007 does not show daily rate or vacancy rates for short term rental | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | Reviewer Comment (2025-08-12): Client elected to waive/regrade with compensating factors. Lender exception provided. |  |  | 08/12/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Purchase | B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 842569 | xxxxxx | 34035522 | xxxxxx | 07/30/2025 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 80.00000% exceeds Guideline loan to value percentage of 75.00000%. | Investor exception for exception to 80% LTV as max for xxxxxx and STR is 75%. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Credit Score 30+ points > minimum required | Reviewer Comment (2025-07-29): Client elect to waive with verified compensation factors |  |  | 07/29/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 842569 | xxxxxx | 34075955 | xxxxxx | 07/30/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Note, PPP addendum to Note, DOT + Riders, and Occupancy Cert, signature line, has the name of the Borrowing Entity misspelled. Provide the corrected and executed documents, LOE to borrower, evidence of delivery to the borrower and lender's letter of intent to re-record. |  |  | Reviewer Comment (2025-08-14): All of the required documents have been received.<br>Reviewer Comment (2025-08-07): Received LOE to borrower, evidence of delivery to the borrower, lender's LOI, corrected and executed Note, PPP addendum, DOT + Riders. Pending receipt of corrected Occupancy Cert. | 08/14/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 842598 | xxxxxx | 34163893 | xxxxxx | 08/13/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a xxxxxx/xxxxxx form and does not contain the following clauses: | Homestead Exemption Waiver |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. |  | Reviewer Comment (2025-08-13): The client elects to waive. |  |  | 08/13/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 842598 | xxxxxx | 34163985 | xxxxxx | 08/13/2025 | Credit | Guideline | Guideline Issue | Guideline | Borrower has been on current job less than 2 years, and prior employment history was not documented as required. | Borrower: xxxxxx // Employment Type: Employment / Income Type: Wages / Start date: xxxxxx | A minimum 2 year employment history is required and the provided employment history for the current employer 'xxxxxx' is less than 2 years. Provide Verification of Employment for xxxxxx previous employer "xxxxxx" to verify the start date and end date of the employment. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. |  | Reviewer Comment (2025-09-10): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-08-26): The previous employment start date is xxxxxx and end date is xxxxxx this has approx. 3.75 months of history. Current employment is starting from xxxxxx and Note is dated xxxxxx this has approx. 1 year and 7.5 months, the total documented employment history is approx. 1 year and 11.25 months. Please note that VVOE and WVOE has the start date of xxxxxx . Whereas, per employment letter the estimated start date was xxxxxx . Exception remains.<br>Reviewer Comment (2025-08-20): The VVOE and WVOE provided on file for xxxxxx reflect start as xxxxxx , whereas employer letter reflects estimated start date as xxxxxx . If we consider start date as xxxxxx this does not cover the 2 years of employment history. Exception remains.<br>Reviewer Comment (2025-08-18): Received Work Number from which start date and end date of the employment is verified. However, employment history is less than 2 years. Exception remains.<br>Reviewer Comment (2025-08-14): Requested documents where not provided received 1003. Please provide documents as requested on the original condition. Exception remains. |  |  | 09/10/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 842619 | xxxxxx | 34251560 | xxxxxx | 08/22/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | All parties to the transaction were not included. The Seller, is missing. Unable to identify the name of seller from the document. |  |  | Reviewer Comment (2025-09-11): Received POA to verify the authorized signor of the selling entity. Exception cleared.<br>Reviewer Comment (2025-09-09): Received OFAC, HUD/LDP and GSA search for xxxxxx and xxxxxx. Please provide document to verify the authorized signor of the selling entity. Exception remains.<br>Reviewer Comment (2025-08-29): Received OFAC, GSA and LDP for seller company. Provide OFAC, GSA and LDP for signer of xxxxxx. Exception remains. | 09/11/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Second Home | Purchase | C B A | C | B C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 842619 | xxxxxx | 34251667 | xxxxxx | 08/22/2025 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Flood Certificate Subject reflects xxxxxx. However as per Note address is xxxxxx. |  |  | Reviewer Comment (2025-08-28): Updated flood cert provided | 08/28/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Second Home | Purchase | C B A | C | B C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 842619 | xxxxxx | 34251673 | xxxxxx | 08/22/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | HO6 reflects xxxxxx. However as per Note address is xxxxxx. |  |  | Reviewer Comment (2025-08-27): Updated HO6 provided | 08/27/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Second Home | Purchase | C B A | C | B C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 842619 | xxxxxx | 34251701 | xxxxxx | 08/22/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Insurance Verification, Tax Verification | Insurance Verification, Tax Verification document not provided. |  |  | Reviewer Comment (2025-08-27): Evidence of taxes and insurance provided | 08/27/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Second Home | Purchase | C B A | C | B C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 842619 | xxxxxx | 34251717 | xxxxxx | 08/22/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Valuation reflects address as xxxxxx however as per Note address is xxxxxx. |  |  | Reviewer Comment (2025-08-27): Updated appraisal provided | 08/27/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Second Home | Purchase | C B A | C | B C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 842619 | xxxxxx | 34251748 | xxxxxx | 08/22/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | Valuation Type: Appraisal / Valuation Report date: xxxxxx |  |  |  | Reviewer Comment (2025-09-09): Received 442. Exception cleared.<br>Reviewer Comment (2025-09-02): The 442 provided reflects No to all items completed | 09/09/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Second Home | Purchase | C B A | C | B C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 842619 | xxxxxx | 34251837 | xxxxxx | 08/22/2025 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  | Reviewer Comment (2025-08-21): Client elects to waive |  |  | 08/21/2025 | 2 | B | B | xxxxxx | xxxxxx | Second Home | Purchase | C B A | C | B C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 842619 | xxxxxx | 34251838 | xxxxxx | 08/22/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated xxxxxx was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial xxxxxx) |  |  |  | Reviewer Comment (2025-08-28): SitusAMC received initial LE. | 08/28/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Second Home | Purchase | C B A | C | B C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 842619 | xxxxxx | 34251841 | xxxxxx | 08/22/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Contact Information - Lender | TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xxxxxx did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name, Contact NMLS ID). (Final xxxxxx) | Final Closing Disclosure provided on xxxxxx did not disclose the required Lender Contact Information |  |  | Reviewer Comment (2025-09-08): SitusAMC received Letter of Explanation & Corrected Closing Disclosure.<br>Reviewer Comment (2025-09-04): SitusAMC received Corrected CD. Missing copy of LOE to borrower that accompanied the cure.<br>Reviewer Comment (2025-09-01): Final CD, Doc ID 0352, page 5 does not reflect the Lender's NMLS ID #. Only the Contact name reflect their NMLS ID #. Both NMLS ID's must be disclosed on Contact Information. Corrected CD & LOE to borrower to cure.<br>Reviewer Comment (2025-08-28): Final CD is missing lender NMLS on page 5. |  | 09/08/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | C | B C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 842619 | xxxxxx | 34251842 | xxxxxx | 08/22/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final xxxxxx) | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. |  |  | Reviewer Comment (2025-08-28): SitusAMC received initial CD. | 08/28/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Second Home | Purchase | No Defined Cure B A | C | B C A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 842628 | xxxxxx | 34331214 | xxxxxx | 09/06/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor Exception - There is a mortgage recorded within 6 months of the application date which looks to be a cash-out transaction. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Credit Score 30+ points > minimum required | Reviewer Comment (2025-09-03): Client elects to waive with verified compensation factors |  |  | 09/03/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | B | B | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 842628 | xxxxxx | 34343744 | xxxxxx | 09/06/2025 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  | Reviewer Comment (2025-09-03): Client elects to waive |  |  | 09/03/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | B | B | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 842640 | xxxxxx | 34181884 | xxxxxx | 08/15/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  | Personal Guaranty must be signed by the guarantor as an individual not as a Member. |  |  | Reviewer Comment (2025-08-21): Received Personal Guaranty agreement. Exception cleared. | 08/21/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 842660 | xxxxxx | 34197383 | xxxxxx | 08/18/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participants, authorized signor for the seller, xxxxxx, was not included in the report. |  |  | Reviewer Comment (2025-08-21): Received updated Fraud report including the missing participant. Exception cleared. | 08/21/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 842660 | xxxxxx | 34230240 | xxxxxx | 08/18/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | xxxxxx is 100% owner of the borrowing business entity. Missing the filed Partnership Certificate, the Partnership Agreement, Evidence of good Standing, EIN/Tax Identification Number, and Limited partner consent (where required by partnership agreement). Multilayered entity structures allowed with all entity documents for each entity per guidelines. |  |  | Reviewer Comment (2025-09-04): Received all documents. Exception cleared.<br>Reviewer Comment (2025-08-29): Received operating agreement for xxxxxx, however provide Articles of Organization, EIN, Certificate of good standing. Also provide EIN for xxxxxx. Exception remains.<br>Reviewer Comment (2025-08-22): Received documents reflects business name as xxxxxx. However the file does not contain whether xxxxxx and xxxxxx are same company. Exception remains. | 09/04/2025 |  |  | 1 | C A | C A D | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 842693 | xxxxxx | 34330526 | xxxxxx | 09/05/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Investor Exception - Borrower cannot provide VOR & proof of payment for current housing. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Credit Score 30+ points > minimum required | Reviewer Comment (2025-09-04): Client elects to waive with verified compensation factors |  |  | 09/04/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Purchase | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 842769 | xxxxxx | 33991639 | xxxxxx | 07/24/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.40505% or Final Disclosure APR of 8.45700% is equal to or greater than the threshold of APOR 6.67% + 1.5%, or 8.17000%. Non-Compliant Higher Priced Mortgage Loan. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation |  |  | Reviewer Comment (2025-08-05): Delivery provided | 08/05/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 842769 | xxxxxx | 33991640 | xxxxxx | 07/24/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx |  |  |  | Reviewer Comment (2025-08-05): Delivery provided | 08/05/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 842769 | xxxxxx | 33991644 | xxxxxx | 07/24/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | All parties to the transaction were not included. The Seller, xxxxxx is missing. |  |  | Reviewer Comment (2025-07-30): Received updated Fraud Report, fraud and OFAC search run on the seller. Exception cleared. | 07/30/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 842769 | xxxxxx | 34005745 | xxxxxx | 07/24/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 4.42 is less than Guideline PITIA months reserves of 6.00. |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. |  | Reviewer Comment (2025-08-15): The client elects to waive. |  |  | 08/15/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 842769 | xxxxxx | 34005797 | xxxxxx | 07/24/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xxxxxx disclosed whether Homeowners insurance is included in escrow in incorrect section. Creditor disclosed insurance to consumer in "Other" section where regulation requires disclosure under "Homeowner's Insurance" section of Projected Payments table. Disclosure requirement met, non-material exception for incorrect format/placement. (Final xxxxxx) | Other on page 1 of CD includes the xxxxxx Plan insurance. |  |  | Reviewer Comment (2025-08-07): Client elects to waive<br>Reviewer Comment (2025-08-06): Exception is now and xxxxxx, no further documentation required.<br>Reviewer Comment (2025-07-30): The exception was regraded to xxxxxx as the HO6 is being disclosed to the consumer, just in the incorrect line item as it should be part of Homeowners Insurance, but instead was disclosed under Other. The amounts to be considered under the "Homeowner's Insurance" category are "Premiums or other charges for insurance against loss of or damage to property, or against liability arising out of the ownership or use of property…" (§1026.4(b)(8)). Given the disclosure was made to the consumer but just on the incorrect line item, we have regraded to xxxxxx accordingly. |  |  | 08/07/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Purchase | Good Faith Redisclosure C B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 842769 | xxxxxx | 34005818 | xxxxxx | 07/24/2025 | 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. | Insufficient reserves and missing income documents |  |  | Reviewer Comment (2025-08-15): The loan is now Non-QM<br>Reviewer Comment (2025-08-05): Update preparer letter addressing business name provided. The letter still does not verify ownership % as well as the preparer's current/active license or certification was not provided for the CTEC license. Tax preparer bond is not verification of CTEC number. | 08/15/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 842769 | xxxxxx | 34022843 | xxxxxx | 07/24/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Per bank statements, business name is xxxxxx. Provide the updated 1003. |  |  | Reviewer Comment (2025-08-05): Updated 1003 provided | 08/05/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 842769 | xxxxxx | 34022864 | xxxxxx | 07/24/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | 1) The CPA does not reference the business name being verified nor is the business name listed on the P&L's 2)The CPA does not indicate borrower's ownership percentage of the business 3) Current/active license or certification for the preparer not provided. |  |  | Reviewer Comment (2025-08-13): The CPA letter states the borrower has no business partners so that would mean 100% owner of the company.<br>Reviewer Comment (2025-08-11): Received CTEC search. However, the file is pending receipt of ownership percentage of business. Exception remains.<br>Reviewer Comment (2025-08-05): Update preparer letter addressing business name provided. The letter still does not verify ownership % as well as the preparer's current/active license or certification was not provided for the CTEC license. Tax preparer bond is not verification of CTEC number. | 08/13/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 842769 | xxxxxx | 34022956 | xxxxxx | 07/24/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Insufficient reserves and missing income documents |  |  | Reviewer Comment (2025-08-15): The loan is now Non-QM<br>Reviewer Comment (2025-08-05): Update preparer letter addressing business name provided. The letter still does not verify ownership % as well as the preparer's current/active license or certification was not provided for the CTEC license. Tax preparer bond is not verification of CTEC number. | 08/15/2025 |  |  | 1 | B A C | B A C | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 842769 | xxxxxx | 34022957 | xxxxxx | 07/24/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Mortgage Broker Fee. Fee Amount of $13,500.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (73109) | Cure nor valid COC provided |  |  | Reviewer Comment (2025-09-04): SitusAMC received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception.<br>Reviewer Comment (2025-08-29): SitusAMC received PCCD, LOE and copy of refund check. xxxxxx tracking indicates label has been created, but package has not been shipped. Proof of mailing required to cure.<br>Reviewer Comment (2025-08-25): SitusAMC received rebuttal, borrower typically would not request an increase to their costs without a valid reason. Borrower typically would not request an increase to their costs without a valid reason. Please provide documentation of additional information related to the changing of the fee from lender paid to borrower paid. Documentation of borrower requested changes should include the date of the borrower's change request and be documented in writing through copy of borrower emails, communication logs, screenshot of LO notes in LOS, etc.<br>Reviewer Comment (2025-08-19): SitusAMC received COC dated xxxxxx for change in comp plan but, there apart from the change in plan the origination charges are increased from $10943.00 to $15398.00. Seems there are more changes may occurred that resulted in change in pricing that increased the origination charges. Please provide information as to what changed circumstance occurred (as defined under 1026.19(e)(4)(A)-(F) that resulted in an increase in closing costs or cure would be due to the borrower. |  | 09/04/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 842789 | xxxxxx | 34431256 | xxxxxx | 09/16/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor Exception in file for 1099 to borrower xxxxxx. | Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years. |  | Reviewer Comment (2025-09-16): Client elects to waive with verified compensation factors |  |  | 09/16/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 842789 | xxxxxx | 34431264 | xxxxxx | 09/16/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | Provide the 1008 with UW name or Lender's Approval with conditions. |  |  | Reviewer Comment (2025-09-19): 1008 w/ UW name provided | 09/19/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 842789 | xxxxxx | 34431277 | xxxxxx | 09/16/2025 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  |  | Reviewer Comment (2025-09-19): E-Consent provided | 09/19/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 842880 | xxxxxx | 33937439 | xxxxxx | 05/14/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Approved lender exception: Appraised value is xxxxxx. CDA Desk review came in at xxxxxx - approx. 3% variance with a moderate risk. Need exception to use the higher valuation amount of xxxxxx. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reserves: 78.55<br> Guideline Requirement: 12.00 | Reviewer Comment (2025-05-14): Client elects to downgrade and waive based on the following compensating factors:<br> Borrower FICO score of 740, low LTV at 70% <br> Borrower Reserves: 78.55<br> Guideline Requirement: 12.00 |  |  | 05/14/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 842936 | xxxxxx | 34067584 | xxxxxx | 08/01/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Per the final 1003, under REO section for the Primary and Subject properties (xxxxxx and xxxxxx) reflects Sold. Provide the corrected 1003. |  |  | Reviewer Comment (2025-08-07): Updated1003 provided | 08/07/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 842936 | xxxxxx | 34118914 | xxxxxx | 08/01/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1007 Rent Comparison Schedule is incomplete |  | STR on 1007: Per guidelines, the 1007 must include the following: Include daily rental rate and occupancy percentage, Factor seasonality into the analysis. |  |  | Reviewer Comment (2025-08-17): Updated 1007 provided | 08/17/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 842938 | xxxxxx | 34155069 | xxxxxx | 08/11/2025 | Credit | Guideline | Guideline Issue | Guideline | Loan is a refinance in xxxxxx. If the loan falls under xxxxxx 50(a)(6) ensure all requirements are met per the investor. |  |  |  |  | Reviewer Comment (2025-08-15): All requirements have now been met. | 08/15/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 842938 | xxxxxx | 34155080 | xxxxxx | 08/11/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | A gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 30- days prior to loan closing or any time after closing. |  |  | Reviewer Comment (2025-08-14): Received Credit Report - Gap. Exception cleared. | 08/14/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 842938 | xxxxxx | 34155295 | xxxxxx | 08/11/2025 | Compliance | Compliance | State Compliance | State Defect | (xxxxxx 50(a)(6)) xxxxxx Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Provided Timely) | xxxxxx Constitution Section 50(a)(6): Acknowledgment of the Fair Market Value not signed by lender at or before closing. |  |  |  | Reviewer Comment (2025-08-15): Acknowledgment of Fair Market Value Disclosure signed at closing was provided. | 08/15/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | To Remediate: the lender or holder may either: (1) Deliver to the borrower the required disclosure documents and obtain an executed copy; OR, (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. Letter of explanation and proof of delivery of cure documents required, and, if cured with refund or credit, copy of refund check or evidence of principal reduction also required. C B A | C | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 842938 | xxxxxx | 34155296 | xxxxxx | 08/11/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $175.00 exceeds tolerance of $150.00. Sufficient or excess cure was provided to the borrower. (75103) |  |  |  | Reviewer Comment (2025-08-06): Sufficient Cure Provided within 60 Days of Closing |  | 08/06/2025 |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) B A | C | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 842938 | xxxxxx | 34155297 | xxxxxx | 08/11/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Fee. Fee Amount of $69.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower. (75208) |  |  |  | Reviewer Comment (2025-08-06): Sufficient Cure Provided within 60 Days of Closing |  | 08/06/2025 |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) B A | C | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 842938 | xxxxxx | 34155314 | xxxxxx | 08/11/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated xxxxxx). The disclosed Total of Payments in the amount of $2,197,045.73 is under disclosed by $175.00 compared to the calculated total of payments of $2,197,220.73 which exceeds the $35.00 threshold. (Final xxxxxx) | This was corrected on the Post Closing CD issued on xxxxxx . Please provide the additional docs to cure: Letter of Explanation, Proof of Delivery, Refund check for under disclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable |  |  | Reviewer Comment (2025-09-05): SitusAMC received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission.<br>Reviewer Comment (2025-09-02): Unfortunately, per TRID Grid 4.0, reopening of rescission on Material exceptions is required for rescindable transactions. TRID Grid 4.0 Remediation Types, Row D - Re-open Rescission for Material Disclosure Violations (Rescindable Transactions Only)Within three (3) years of consummation (extended rescission period) 1. Letter of Explanation (not required if new NORTC is signed) 2. Corrected PCCD or detailed LOE re-disclosing correct information 3. Re-open Rescission (new NORTC and new 3-day rescission period) 4. Proof of Delivery (see row 6 and 9 of "Remediation Considerations")<br>Reviewer Comment (2025-08-28): This is a material exception on a rescindable transaction and requires reopening of rescission and proof of delivery of RTC to complete cure. Further, the RTC must allow the borrower three days to cancel the transaction from date of delivery.<br>Reviewer Comment (2025-08-26): SitusAMC received Corrected CD, LOE to borrower and copy of cure refund for total underdisclosure. Missing proof of mailing and proof of reopening of rescission to all consumers to finalize cure. This is a material disclosure violation on a rescindable transaction that requires the rescission be reopened. |  | 09/05/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission i(required on rescindable transactions) B | C | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 842963 | xxxxxx | 34236097 | xxxxxx | 08/22/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  | Reviewer Comment (2025-09-02): Approval provided | 09/02/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 842993 | xxxxxx | 34240212 | xxxxxx | 08/22/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participants, authorized signor for the seller, xxxxxx, was not included in the report. |  |  | Reviewer Comment (2025-08-25): Received updated Fraud report. Fraud & OFAC searches run on authorized signor for the seller, xxxxxx. Exception cleared. | 08/25/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843016 | xxxxxx | 34134221 | xxxxxx | 08/08/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Trust Agreement not provided |  | The xxxxxx, Dated xxxxxx |  |  | Reviewer Comment (2025-08-12): Received Trust Agreement. Exception cleared.<br>Reviewer Comment (2025-08-12): Requested document was not received. Provide the document requested as per original condition. Exception remains. | 08/12/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843016 | xxxxxx | 34134248 | xxxxxx | 08/08/2025 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Hazard Insurance Policy Effective Date xxxxxx; Disbursement date: xxxxxx; Note date: xxxxxx; Transaction date: xxxxxx | Dry State: The Hazard Insurance Policy Effective Date is after the later of the disbursement, note or transaction date. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | Reviewer Comment (2025-08-22): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-08-18): The LOE is not acceptable. The policy must be in effect at time of disbursement in dry states. |  |  | 08/22/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843016 | xxxxxx | 34134249 | xxxxxx | 08/08/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx or xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  | Reviewer Comment (2025-08-11): Received Title Supplement with Loan Amount. Exception cleared. | 08/11/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843016 | xxxxxx | 34134312 | xxxxxx | 08/08/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Provide Trust agreement on xxxxxx Account |  |  | Reviewer Comment (2025-08-12): Received Trust Agreement. Exception cleared.<br>Reviewer Comment (2025-08-12): Received email for 1031 Exchange. However the document requested is for Trust agreement on xxxxxx Account. Exception remains. | 08/12/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843016 | xxxxxx | 34164047 | xxxxxx | 08/08/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1007 Rent Comparison Schedule is incomplete |  | Appraisal reflects tenant occupied and the 1007 does not reflect the actual rents. |  |  | Reviewer Comment (2025-08-22): Updated appraisal provided amending comments and anything regarding occupancy by the borrower.<br>Reviewer Comment (2025-08-19): An updated appraisal was provided updating to OO, however the notes from the lender on the addendum page states this is the borrower's primary residence as of xxxxxx which is post-close. Loan is a DSCR transaction. | 08/22/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843119 | xxxxxx | 34254434 | xxxxxx | 08/25/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Property site is xxxxxx which exceeds the max 5 acres allowed for DSCR loan. Investor exception was in the file, however comp factors are incorrect. DSCR is not > 1.30 and credit score is not 30+ above the max (min 720 for escrow waiver). | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | DSCR > 1.15 | Reviewer Comment (2025-08-26): Client elects to waive with verified compensation factors |  |  | 08/26/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843136 | xxxxxx | 34155978 | xxxxxx | 08/12/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  |  |  |  | Reviewer Comment (2025-08-18): Received Guarantor Agreement. Exception cleared. | 08/18/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843153 | xxxxxx | 34263536 | xxxxxx | 08/25/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $192,645.12 is over disclosed by $463.00 compared to the calculated Amount Financed of $192,182.12 and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xxxxxx). (Final xxxxxx) | Final Closing Disclosure disclosed an amount financed of $192,645.12; calculated amount financed is $192,182.12. Variance is $463.00. |  |  | Reviewer Comment (2025-09-10): SitusAMC received LOA | 09/10/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 843153 | xxxxxx | 34263537 | xxxxxx | 08/25/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $304,632.20 is under disclosed by $463.00 compared to the calculated Finance Charge of $305,095.20 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xxxxxx). (Final xxxxxx) | Final Closing Disclosure disclosed a finance charge of $304,632.20; calculated finance charge is $305,095.20. Variance is $463.00. |  |  | Reviewer Comment (2025-09-10): SitusAMC received LOA | 09/10/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 843155 | xxxxxx | 34077017 | xxxxxx | 08/04/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC searches not run on Property Seller, xxxxxx. |  |  | Reviewer Comment (2025-08-06): Received updated Fraud Report. Fraud and OFAC search run on the seller. Exception cleared. | 08/06/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843155 | xxxxxx | 34133051 | xxxxxx | 08/04/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Final CD and Final Stamped Settlement Statement reflects the disbursement date of xxxxxx which is prior to the consummation date of xxxxxx |  |  | Reviewer Comment (2025-08-07): Updated final stamped settlement statement provided with PC-CD | 08/07/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843173 | xxxxxx | 34317776 | xxxxxx | 09/03/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participants, authorized signor for seller, xxxxxx, was not included in the report. |  |  | Reviewer Comment (2025-09-04): Received OFAC search for the missing participant. Exception cleared. | 09/04/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843173 | xxxxxx | 34327360 | xxxxxx | 09/03/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Title and supplement reflects city of xxxxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. |  | Reviewer Comment (2025-09-05): Client elects to waive with verified compensation factors |  |  | 09/05/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843205 | xxxxxx | 34160262 | xxxxxx | 07/31/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | 1.Exception requesting to Allow less than 12 months housing history for borrower non-subject primary property (Payment history since xxxxxx per VOM and previously free and clear) vs program requirement of most recent 12 months housing history verified.<br>2.Exception requesting to Allow less than 12 months housing history for subject property (Payment history since xxxxxx per VOM and previously free and clear) vs program requirement of most recent 12 months housing history verified. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Loan to Value: 43.33333%<br> Guideline Maximum Loan to Value: 70.00000%<br>Guidelines Representative FICO: 660<br> Representative FICO: 809 | Reviewer Comment (2025-07-31): Waived with compensating factors per lender exception approval at origination. |  |  | 07/31/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843207 | xxxxxx | 34091449 | xxxxxx | 06/27/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  |  |  |  | Reviewer Comment (2025-07-24): clear<br>Reviewer Comment (2025-07-18): The operating agreement provided is not for the same entity shown on the asset statements. We will need evidence that our guarantor is owner of the entity listed on the bank statements provided for review of this condition.<br>Reviewer Comment (2025-07-16): The file does not contain ownership documentation for the entity listed on the bank statements. Please provide the operating agreement, or business entity docs, reflecting our borrower has 100% ownership interest in the entity listed on xxxxxx account ending 5203. | 07/24/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843207 | xxxxxx | 34091450 | xxxxxx | 06/27/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Commitment | The file is missing a copy of the Final Title Policy. |  |  | Reviewer Comment (2025-07-18): Final title received | 07/18/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843207 | xxxxxx | 34091451 | xxxxxx | 06/27/2025 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | Missing OFAC for business entity. |  |  | Reviewer Comment (2025-07-18): OFAC received | 07/18/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843207 | xxxxxx | 34091452 | xxxxxx | 06/27/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 1.53 is less than Guideline PITIA months reserves of 2.00. | Missing evidence of funds for business account under the name of xxxxxx. |  |  | Reviewer Comment (2025-07-24): Proof the xxxxxx funds 100% borrower's to access was provided. | 07/24/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843207 | xxxxxx | 34091453 | xxxxxx | 06/27/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Lien(s) negatively impacting title |  | There are 3 open liens on title and only 1 was paid off at closing. Evidence of clear title with xxxxxx in first lien position will be required |  |  | Reviewer Comment (2025-07-18): Final title received reflecting no additional liens on property. | 07/18/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843209 | xxxxxx | 34091432 | xxxxxx | 06/19/2025 | Credit | Credit | Credit Eligibility | Credit | Borrower has active Tradelines which are less than the minimum required by guidelines. | Credit Report: Original // Borrower: xxxxxx Active Tradelines: 0 | Lender approved exception for not having minimum tradeline requirement. Authorized User accounts do not count toward eligible tradelines. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: 700<br> Representative FICO: 760 | Reviewer Comment (2025-06-19): Waived with compensating factors per lender exception approval at origination. |  |  | 06/19/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843209 | xxxxxx | 34091433 | xxxxxx | 06/19/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for borrowers living rent-free with someone other than spouse (mother). | The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: 700<br> Representative FICO: 760 | Reviewer Comment (2025-06-19): Waived with compensating factors per lender exception approval at origination. |  |  | 06/19/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843210 | xxxxxx | 34091519 | xxxxxx | 07/24/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception has been submitted for below: 1) Unit xxxxxx is xxxxxx sq. ft v/s minimum requirement of 400 Sq Ft 2) Allowing the appraised value of xxxxxx v/s market listed value of xxxxxx within 12 months 3) Unit xxxxxx. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. | Debt Service Coverage Ratio: 1.86<br> Guideline Requirement: 1.00 | Reviewer Comment (2025-07-24): Waived with compensating factors per lender exception approval at origination. |  |  | 07/24/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | A B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843212 | xxxxxx | 34091348 | xxxxxx | 04/23/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | The Corporate Resolution in the file is signed by the guarantor only. The business entity Bylaws reflects there are 2 owners. The additional owner did not sign the Corporate Resolution. |  |  | Reviewer Comment (2025-04-29): Per Bylaws pg 3 XII. states execution of documents may be signed by President. | 04/29/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843213 | xxxxxx | 34091350 | xxxxxx | 04/24/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Total cash-out discrepancy. | HUD-1 total cash-out of $1,104,136.49 is greater than Guideline total cash-out of $1,000,000.00. | Lender approved exception at origination to allow cash out exceeding the guidelines limit of $1,000,000. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Loan to Value: 54.05403%<br> Guideline Maximum Loan to Value: 65.00000% | Reviewer Comment (2025-04-23): Waived with compensating factors per lender exception approval at origination. |  |  | 04/23/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843213 | xxxxxx | 34091351 | xxxxxx | 04/24/2025 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | The file contains a final closing statement that is not executed. The final executed HUD is required. |  |  | Reviewer Comment (2025-04-29): The final executed HUD was provided | 04/29/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843218 | xxxxxx | 34091471 | xxxxxx | 06/30/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note date: xxxxxx; Lien Position: 1 | Secondary valuation is missing. |  |  | Reviewer Comment (2025-07-08): A CDA was provided. | 07/08/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A C | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 843218 | xxxxxx | 34091472 | xxxxxx | 06/30/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title Error: Title vesting does not concur with deed |  | Title is vested in entity. Quit Claim deed in file revising vesting, is not completed or executed. |  |  | Reviewer Comment (2025-07-02): clear | 07/02/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A C | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 843223 | xxxxxx | 34160201 | xxxxxx | 06/27/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard insurance policy coverage xxxxxx is insufficient and there is no replacement cost estimate in loan file. |  |  | Reviewer Comment (2025-07-28): A policy reflecting % replacement cost coverage was provided. | 07/28/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843233 | xxxxxx | 34091494 | xxxxxx | 07/07/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception: Approved Lender Exception - Request to use the higher of the new monthly lease versus the 1007 market rent with a copy of the lease and the deposit, Compensating Factors: Over 4 months additional reserves than required with a loan amount under $1 M; more than 3 tradelines rated for over 5 years on credit. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reserves: 23.10<br> Guideline Requirement: 2.00 | Reviewer Comment (2025-07-08): Waived with compensating factors per lender exception approval at origination. |  |  | 07/08/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843233 | xxxxxx | 34091496 | xxxxxx | 07/07/2025 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Final, signed Closing statement or HUD /CD is missing |  |  | Reviewer Comment (2025-07-10): The Final Settlement Statement was provided. | 07/10/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843236 | xxxxxx | 34091487 | xxxxxx | 07/07/2025 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | HUD/CD missing in Loan File. |  |  | Reviewer Comment (2025-07-25): The Final CD was provided. | 07/25/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843236 | xxxxxx | 34091489 | xxxxxx | 07/07/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | OFAC is missing for the borrowing entity. |  |  | Reviewer Comment (2025-07-22): Received | 07/22/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843242 | xxxxxx | 34160232 | xxxxxx | 07/25/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception request for a First-Time Homebuyer/Investor that lives rent free with her sister.<br>Compensating Factors:<br> 1. FICO 40+ points over the minimum required score for the LTV requested.<br> 2. DSCR of 1.15 or higher. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: 680<br> Representative FICO: 812 | Reviewer Comment (2025-07-30): Waived with compensating factors per lender exception approval at origination. |  |  | 07/30/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843244 | xxxxxx | 34091425 | xxxxxx | 06/18/2025 | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | Credit Report: Original // Public Record Type: Judgments / Balance: xxxxxx | All judgments and liens must be paid in full prior to or at closing. |  |  | Reviewer Comment (2025-07-16): Evidence the judgement was paid was provided. | 07/16/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Investment | Purchase | B A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843246 | xxxxxx | 34091460 | xxxxxx | 06/25/2025 | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: Commitment <br> State: xxxxxx | The title Commitment is missing Schedule A which discloses Lender name and the loan amount. |  |  | Reviewer Comment (2025-06-30): The Title Commitment with coverage amount was provided. | 06/30/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843246 | xxxxxx | 34091461 | xxxxxx | 06/25/2025 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | Missing OFAC for the borrowing entity. |  |  | Reviewer Comment (2025-06-30): A fraud report with an OFAC check on the borrowering entity was provided. | 06/30/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843246 | xxxxxx | 34091462 | xxxxxx | 06/25/2025 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx |  |  |  | Reviewer Comment (2025-06-30): A fraud report with the red flags addressed was provided. | 06/30/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843249 | xxxxxx | 34091413 | xxxxxx | 06/17/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | PLEASE OVERRIDE. Duplicate exception. |  |  | Reviewer Comment (2025-07-16): Received fraud report with alerts summary, clearing all red flags. | 07/16/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843249 | xxxxxx | 34091415 | xxxxxx | 06/17/2025 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: xxxxxx | Full fraud report is missing in the file. |  |  | Reviewer Comment (2025-07-16): Received fraud report with alerts summary, clearing all red flags. | 07/16/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843249 | xxxxxx | 34091416 | xxxxxx | 06/17/2025 | Credit | Credit | Credit Documentation | Credit | OFAC was not checked and required per guidelines. | Credit Report: Original // Borrower: xxxxxx | OFAC is missing in the file |  |  | Reviewer Comment (2025-07-16): Received fraud report with OFAC for all parties | 07/16/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843254 | xxxxxx | 34091417 | xxxxxx | 06/18/2025 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided |  | Security Instrument - Subject Lien is missing |  |  | Reviewer Comment (2025-07-16): The Security Instrument was provided. | 07/16/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843254 | xxxxxx | 34091419 | xxxxxx | 06/18/2025 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Estimated provided |  |  | Reviewer Comment (2025-07-16): The Final HUD was provided. | 07/16/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843255 | xxxxxx | 34091408 | xxxxxx | 06/16/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of xxxxxx is less than Guideline minimum loan amount of $125,000.00. | Lender Exception - Allow loan amount of xxxxxx, Minimum loan amount required $125,000 | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reserves: 40.87<br> Guideline Requirement: 2.00 | Reviewer Comment (2025-06-19): Waived with compensating factors per lender exception approval at origination. |  |  | 06/19/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843257 | xxxxxx | 34091403 | xxxxxx | 06/13/2025 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $105,235.45 is less than Cash From Borrower $120,894.08. |  |  |  | Reviewer Comment (2025-07-16): Evidence of receipt of gift funds provided in trailing docs, resulting in sufficient assets to close. | 07/16/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843257 | xxxxxx | 34091404 | xxxxxx | 06/13/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 1.17 is less than Guideline PITIA months reserves of 2.00. |  |  |  | Reviewer Comment (2025-07-25): Clear<br>Reviewer Comment (2025-07-16): File is still short required reserves, even accounting for gift funds.<br>Reviewer Comment (2025-07-16): EXCEPTION HISTORY - Exception Explanation was updated on xxxxxx PRIOR Exception Explanation: Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 2.00. | 07/25/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843257 | xxxxxx | 34091405 | xxxxxx | 06/13/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | Evidence of $20,000.00 gift was transferred from donor is not provided. Additional conditions may apply. |  |  | Reviewer Comment (2025-07-16): Evidence of receipt of gift funds provided in trailing docs. | 07/16/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843268 | xxxxxx | 34091491 | xxxxxx | 07/07/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Non-Owner Occupancy Declaration not provided |  | Section 4A of the Certification of Non-Owner Occupancy was not completed. |  |  | Reviewer Comment (2025-07-10): received completed NOO | 07/10/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843279 | xxxxxx | 34091407 | xxxxxx | 06/16/2025 | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Subject is a refinance and property is listed for sale. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Subject is currently in the MLS as a cancelled listing, having had a list price of xxxxxx. Subject was listed on xxxxxx for xxxxxx, reduced to xxxxxx on xxxxxx and cancelled on xxxxxx Also listed for rent on xxxxxx and cancelled xxxxxx Guidelines require a letter of explanation from borrower explaining reason for the prior listing as well as proof that it was taken off the market. |  |  | Reviewer Comment (2025-07-17): Received required borrower LOE.<br>Reviewer Comment (2025-06-19): The listing shows as cancelled as of xxxxxx and the application date is xxxxxx . | 07/17/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843280 | xxxxxx | 34160203 | xxxxxx | 07/16/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower lives rent free with someone other than a spouse. |  |  | Reviewer Comment (2025-07-28): clear<br>Reviewer Comment (2025-07-21): UW LOE does not indicate their discretion in approving the borrower living rent free with someone other than a spouse. | 07/28/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843284 | xxxxxx | 34091438 | xxxxxx | 07/24/2025 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 79.99981% exceeds Guideline loan to value percentage of 75.00000%. | Approved with lender excpetion. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00<br>Guidelines Representative FICO: 700<br> Representative FICO: 769 | Reviewer Comment (2025-07-24): Waived with compensating factors per lender exception approval. |  |  | 07/24/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Purchase | A B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843286 | xxxxxx | 34091481 | xxxxxx | 07/03/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | OFAC is missing for the borrowing entity. |  |  | Reviewer Comment (2025-07-22): OFAC received | 07/22/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843287 | xxxxxx | 34091493 | xxxxxx | 07/07/2025 | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. | Financial Institution: xxxxxx // Account Type: Individual Retirement Account (IRA) / Account Number: xxxxxx | Guidelines require most recent 30 day verification; missing most recent statement for Account xxxxxx. |  |  | Reviewer Comment (2025-07-11): Received May statement | 07/11/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843290 | xxxxxx | 34091443 | xxxxxx | 06/25/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | Articles of Organization missing in Loan File. |  |  | Reviewer Comment (2025-07-07): Articles of Organization were provided. | 07/07/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843290 | xxxxxx | 34091445 | xxxxxx | 06/25/2025 | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | Credit Report: Original // Public Record Type: Judgments / Balance: 0.00 | The file did not contain evidence of debt amount to xxxxxx Superior Court, or if debt was satisfied/released. Limited information provided on Fraud Report. |  |  | Reviewer Comment (2025-07-15): Court search received in trailing docs, reflecting case dismissed prior to subject loan closing. | 07/15/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843290 | xxxxxx | 34091446 | xxxxxx | 06/25/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Approval reflects the subject proeprty is a xxxxxx unit and appraisal shows it to be a xxxxxx unit property. Provide explanation for discrepancy and/or have appraisal updated. |  |  | Reviewer Comment (2025-06-30): An updated Approval was provided. | 06/30/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843292 | xxxxxx | 34091454 | xxxxxx | 06/26/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Evidence of Access to Funds missing in Loan File. |  |  | Reviewer Comment (2025-07-01): An Operating Agreement for the business to show ownership was provided. | 07/01/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843292 | xxxxxx | 34091455 | xxxxxx | 06/26/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Commitment |  |  |  | Reviewer Comment (2025-07-01): The TPOL was provided. | 07/01/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843292 | xxxxxx | 34091456 | xxxxxx | 06/26/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 1.82 is less than Guideline PITIA months reserves of 2.00. | Missing evidence of access to funds for business account under the name of xxxxxx. |  |  | Reviewer Comment (2025-07-01): An operating agreement for the business to show ownership was provided. | 07/01/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843292 | xxxxxx | 34091457 | xxxxxx | 06/26/2025 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | Missing OFAC for business entity. |  |  | Reviewer Comment (2025-07-01): An OFAC search was provided. | 07/01/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843292 | xxxxxx | 34091458 | xxxxxx | 06/26/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Lien(s) negatively impacting title |  | There are 3 open liens on title and only 1 was paid off at closing. Evidence of clear title with xxxxxx in first lien position will be required |  |  | Reviewer Comment (2025-07-01): The Final Title was provided reflecting no other liens.<br>Reviewer Comment (2025-07-01): To be reviewed upon receipt of final title. | 07/01/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843309 | xxxxxx | 34160222 | xxxxxx | 07/23/2025 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx |  |  |  | Reviewer Comment (2025-08-01): Cleared with alert summary. | 08/01/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843312 | xxxxxx | 34091476 | xxxxxx | 07/01/2025 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date xxxxxx, Disbursement date: xxxxxx | The hazard insurance policy effective date is after the later of the note or transaction date. |  |  | Reviewer Comment (2025-07-07): An updated HOI policy was provided. | 07/07/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843312 | xxxxxx | 34091478 | xxxxxx | 07/01/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | Articles of Organization/Formation missing from file. |  |  | Reviewer Comment (2025-07-14): Articles received in trailing docs | 07/14/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843312 | xxxxxx | 34091479 | xxxxxx | 07/01/2025 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | Hazard Insurance binder/evidence missing from file. |  |  | Reviewer Comment (2025-07-07): An updated HOI policy was provided. | 07/07/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843329 | xxxxxx | 34091513 | xxxxxx | 07/17/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | CDA report reflects latest appraisal report date xxxxxx and only appraisal report provided in file is dated xxxxxx . Missing Appraisal dated xxxxxx . |  |  | Reviewer Comment (2025-07-23): xxxxxx appraisal received in trailing docs. | 07/23/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843329 | xxxxxx | 34091514 | xxxxxx | 07/17/2025 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Provide a final HUD/Closing Statement that is signed by the borrower or stamped true and certified by settlement agent. Copy provided in file is an estimate. |  |  | Reviewer Comment (2025-07-23): The Final Settlement Statement was provided. | 07/23/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843340 | xxxxxx | 34160241 | xxxxxx | 07/29/2025 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  |  |  |  | Reviewer Comment (2025-08-01): Cleared with final HUD. | 08/01/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843343 | xxxxxx | 34160234 | xxxxxx | 07/25/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Verification of Identification not provided |  | Verification of Identification is missing in file. |  |  | Reviewer Comment (2025-07-31): Cleared with Naturalization document with photo. | 07/31/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843343 | xxxxxx | 34160235 | xxxxxx | 07/25/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Missing Verification of mortgage for the primary address. |  |  | Reviewer Comment (2025-07-31): Cleared with credit supplement. | 07/31/2025 |  |  | 1 | C A | C A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843353 | xxxxxx | 34160229 | xxxxxx | 07/24/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Missing Verification of mortgage for primary property. |  |  | Reviewer Comment (2025-08-01): Cleared with bank statements. | 08/01/2025 |  |  | 1 | C A | C A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843353 | xxxxxx | 34160230 | xxxxxx | 07/24/2025 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Provide a final HUD/Closing Statement that is signed by the borrower or stamped true and certified by settlement agent. Copy provided in file is an estimate. |  |  | Reviewer Comment (2025-08-01): Cleared with final HUD. | 08/01/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843360 | xxxxxx | 34160206 | xxxxxx | 07/17/2025 | Credit | Credit | Credit Eligibility | Credit | Active Tradeline requirement not met. | Credit Report: Original // Borrower: xxxxxx Borrower has 0 Active Tradelines which is less than the minimum required by guidelines. | Lender approved exception request for insufficient tradeline history. The borrower has only two FICO scores. Comp Factors: 1. DSCR of 1.15 or higher. 2. Mortgage payment history if 0x30x12 on 2nd home. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months<br>Guidelines Representative FICO: 700<br> Representative FICO: 760 | Reviewer Comment (2025-07-31): Waived with compensating factors per lender exception approval at origination. |  |  | 07/31/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843360 | xxxxxx | 34160211 | xxxxxx | 07/17/2025 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx | There are red flags on the fraud report that have not been addressed. |  |  | Reviewer Comment (2025-07-31): Cleared with alert summary. | 07/31/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843360 | xxxxxx | 34160212 | xxxxxx | 07/17/2025 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | Missing OFAC for entity. |  |  | Reviewer Comment (2025-07-31): Cleared with alert summary. | 07/31/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843368 | xxxxxx | 34160218 | xxxxxx | 07/23/2025 | Credit | Title | General | Title | Final Title Policy Coverage is less than Original Loan Amount. | The Final Title Policy Amount of xxxxxx is less than the note amount of xxxxxx based on the Final in file. |  |  |  | Reviewer Comment (2025-07-29): An updated Final Policy was provided | 07/29/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843369 | xxxxxx | 34160216 | xxxxxx | 07/22/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception requested and approved for a transferred appraisal without an AMC. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reserves: 21.44<br> Guideline Requirement: 2.00 | Reviewer Comment (2025-07-22): Waived with compensating factors per lender exception approval at origination. |  |  | 07/22/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843369 | xxxxxx | 34160217 | xxxxxx | 07/22/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Non-Owner Occupancy Declaration not provided |  | The Non-Owner Occupancy Declaration is missing from the file. |  |  | Reviewer Comment (2025-07-31): Cleared with NOO disclosure. | 07/31/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843371 | xxxxxx | 34232088 | xxxxxx | 07/30/2025 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: xxxxxx |  |  |  | Reviewer Comment (2025-08-04): Received alerts summary with all red flags addressed. | 08/04/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843371 | xxxxxx | 34232089 | xxxxxx | 07/30/2025 | Credit | Guideline | Guideline Issue | Guideline | Borrower is a first time home buyer and ineligible per guidelines. |  | First-time investors and home buyers are not eligible. |  |  | Reviewer Comment (2025-08-08): Evidence of 12 months' rental payments received to satisfy FTI/FTHB guideline requirements.<br>Reviewer Comment (2025-08-04): Borrower is also a FTHB which is not permitted | 08/08/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843371 | xxxxxx | 34232090 | xxxxxx | 07/30/2025 | Credit | Guideline | Guideline Issue | Guideline | Borrower is a first time home buyer and ineligible per guidelines. | Borrower: xxxxxx | Missing 12 month housing history required for first time investors per guidelines. |  |  | Reviewer Comment (2025-08-04): Received lease agreements and evidence of 12 months rent payments. | 08/04/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843377 | xxxxxx | 34091526 | xxxxxx | 07/24/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of xxxxxx is less than Guideline minimum loan amount of $125,000.00. | An Exception appoved to allow loan amount xxxxxx vs guideline $125,000<br> Compensating Factors:<br> (1) DSCR => 1.15<br> (2) Borrower is an experienced investor<br> (3) Borrower's credit score is at least 40 points > min 700<br> (4) Borrower has at least 4 months own funds for reserves, not including loan proceeds. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 113.41<br> Guideline Requirement: 2.00<br>Guidelines Representative FICO: 700<br> Representative FICO: 794 | Reviewer Comment (2025-07-24): Client elects to waive with compensating factors. |  |  | 07/24/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843395 | xxxxxx | 34160219 | xxxxxx | 07/23/2025 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date xxxxxx, Disbursement date: xxxxxx | Provided Hazard Insurance Policy Effective Date xxxxxx is after the note date of xxxxxx |  |  | Reviewer Comment (2025-07-30): Cleared with updated dec page. | 07/30/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843396 | xxxxxx | 34160244 | xxxxxx | 07/29/2025 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Provide a final HUD/Closing Statement that is signed by the borrower or stamped true and certified by settlement agent. Copy provided in file is an estimate. |  |  | Reviewer Comment (2025-08-01): Cleared with final HUD. | 08/01/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843426 | xxxxxx | 34264438 | xxxxxx | 08/26/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx Third Party Verification | The business being used to source income must be in existence for a minimum of two (2) years as evidenced<br> by one of the following:<br> o CPA Letter, or<br> o Business License, or<br> o Bank statement from 24 or more months prior to note date reflecting activity, or<br> o Other reasonable evidence of business activity |  |  | Reviewer Comment (2025-08-29): Received Business registration document for the existence for a minimum of two (2) years. Exception cleared. | 08/29/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 843426 | xxxxxx | 34264459 | xxxxxx | 08/26/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | The housing history for the borrower's primary residence does not report on credit. VOM in file. Provide a copy of the Note or Mortgage Statement borrower's most recent month pay history. Per VOM loan taken out xxxxxx and has been making I/O payments since origination. |  |  | Reviewer Comment (2025-08-29): Received most recent mortgage statement. Exception cleared. | 08/29/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 843438 | xxxxxx | 34243187 | xxxxxx | 08/22/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx, Address: xxxxxx Insurance Verification, Statement, Tax Verification<br> Other | Please provide evidence of full PITIA. ie mtg stmt, Tax, Ins. If F/C please provide evidence of F/C |  |  | Reviewer Comment (2025-08-27): Received Mortgage Statement, Tax Insurance and Insurance document. Exception cleared. | 08/27/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 843438 | xxxxxx | 34243198 | xxxxxx | 08/22/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Insurance Verification, Tax Verification | Provide the mortgage to verify taxes and insurance are escrowed or evidence of taxes, insurance and an HOA, if applicable. |  |  | Reviewer Comment (2025-08-27): Received Mortgage Statement, Tax Verification and Insurance. Exception cleared. | 08/27/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 843438 | xxxxxx | 34244216 | xxxxxx | 08/22/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Other, Statement | Please provide evidence of full PITIA. ie mtg stmt, Tax, Ins. If F/C please provide evidence of F/C |  |  | Reviewer Comment (2025-09-16): Received to verify P&I. Exception cleared.<br>Reviewer Comment (2025-09-02): Received HOI policy, however the file is missing mortgage statement to verify the P&I for property located at xxxxxx. Exception remains.<br>Reviewer Comment (2025-08-27): Received only tax verification document for 137. Provide evidence of full PITIA. ie. Mortgage Statement, Tax Verification, Insurance. If F/C please provide evidence of xxxxxx Exception remains. | 09/16/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 843439 | xxxxxx | 34142709 | xxxxxx | 08/11/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided |  | Prepayment terms are missing in note addendum. |  |  | Reviewer Comment (2025-08-13): Received Note Addendum - Prepayment Penalty document. Exception cleared. | 08/13/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | Yes | Property Focused |
| xxxxxx | 843439 | xxxxxx | 34142712 | xxxxxx | 08/11/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Please provide Evidence of ownership for business asset for xxxxxx # xxxxxx |  |  | Reviewer Comment (2025-08-26): Additional signed Amendment to OA provided.<br>Reviewer Comment (2025-08-22): The received Amendment to the Operating Agreement includes only one member's signature. Please provide the updated Operating Agreement with signatures from all members. Exception remains.<br>Reviewer Comment (2025-08-13): The provided Articles of Organization is not an acceptable document to determine the business ownership percentage. Provide business ownership proof for bank account xxxxxx xxxxxx through CPA letter, Tax Preparer letter, operating agreement, or equivalent; reflecting the borrower's ownership percentage. Exception remains. | 08/26/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843445 | xxxxxx | 34370793 | xxxxxx | 09/10/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 9.56205% or Final Disclosure APR of 9.62300% is equal to or greater than the threshold of APOR 6.63% + 1.5%, or 8.13000%. Non-Compliant Higher Priced Mortgage Loan. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  | Reviewer Comment (2025-09-23): Delivery provided<br>Reviewer Comment (2025-09-16): The document provided is not acceptable as there is no evidence this was delivered to the borrower. This could be delivery to the lender upon completion. Provide evidence the appraisal was delivered to the borrower within 3 business days prior to closing. | 09/23/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 843445 | xxxxxx | 34370794 | xxxxxx | 09/10/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx |  |  |  | Reviewer Comment (2025-09-23): Delivery provided<br>Reviewer Comment (2025-09-16): The document provided is not acceptable as there is no evidence this was delivered to the borrower. This could be delivery to the lender upon completion. Provide evidence the appraisal was delivered to the borrower within 3 business days prior to closing. | 09/23/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 843445 | xxxxxx | 34370800 | xxxxxx | 09/10/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $8,318.87 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7200) | The Loan Discount Points Fee was not disclosed on Initial Loan Estimate and was later disclosed on revised Loan Estimate dated xxxxxx as $8,319.00. Provided COCs in file is reflects the date of change as xxxxxx which is invalid. |  |  | Reviewer Comment (2025-09-18): SitusAMC received valid COC document | 09/18/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 843445 | xxxxxx | 34376297 | xxxxxx | 09/10/2025 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  | Reviewer Comment (2025-09-09): Client elects to waive |  |  | 09/09/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 843469 | xxxxxx | 34310779 | xxxxxx | 09/03/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx or xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  | Reviewer Comment (2025-09-06): FTP provided | 09/06/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 843469 | xxxxxx | 34310783 | xxxxxx | 09/03/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  |  | Reviewer Comment (2025-09-06): FTP provided | 09/06/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 843469 | xxxxxx | 34311123 | xxxxxx | 09/03/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Prior to transfer at closing, loan was vested in a Trust. Provide the Trust Agreement (Refinance). |  |  | Reviewer Comment (2025-09-09): Received Trust Agreement. Exception cleared.<br>Reviewer Comment (2025-09-05): Received operating agreement, certificate of good standing. However provide Trust agreement for xxxxxx xxxxxx Exception remains. | 09/09/2025 |  |  | 1 | C A | C A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 843469 | xxxxxx | 34325779 | xxxxxx | 09/03/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide the business purpose cert. |  |  | Reviewer Comment (2025-09-06): BP Cert provided | 09/06/2025 |  |  | 1 | C A | C A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 843469 | xxxxxx | 34325826 | xxxxxx | 09/03/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Title report reflects delinquent taxes not paid through closing |  |  | Reviewer Comment (2025-09-06): Clear FTP provided | 09/06/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 843469 | xxxxxx | 34371014 | xxxxxx | 09/06/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title Error: Title vesting does not concur with deed |  | Final title policy provided post review does not match vesting on the DOT. Reflects an LLC is also vested. Loan closed in an individual. |  |  | Reviewer Comment (2025-09-10): Corrected later dated final title policy provided | 09/10/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 843505 | xxxxxx | 34260463 | xxxxxx | 08/25/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $1,788,065.38 is over disclosed by $230.00 compared to the calculated Amount Financed of $1,787,835.38 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 xxxxxx). (Final xxxxxx) | The disclosed Amount Financed in the amount of $1,788,065.38 is over disclosed by $230.00 |  |  | Reviewer Comment (2025-09-11): SitusAMC received Corrected Cd, LOE to borrower and final settlement statement for final for fees.<br>Reviewer Comment (2025-09-05): The Title-Refundable PAD fee of $300 was included in the finance charge calculation. Unable to determine what the holdback is for or what charges it was applied to. If documented evidence is provided that holdback was for repair/construction costs or tax insurance escrows ONLY (no holdback service fees or other estimated fees), then exception can be cleared. If final settlement statement reflects the PAD has been removed and final for fees CD has been updated that removed, then please provide the Correctred CD, LOE to borrower and copy of final borrower settlement statement. | 09/11/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 843505 | xxxxxx | 34260464 | xxxxxx | 08/25/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $2,874,875.90 is under disclosed by $230.00 compared to the calculated Finance Charge of $2,875,105.90 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xxxxxx). (Final xxxxxx) | The disclosed Finance Charge in the amount of $2,874,875.90 is under disclosed by $230.00 compared to the calculated Finance Charge of $2,875,105.90 |  |  | Reviewer Comment (2025-09-11): SitusAMC received Corrected Cd, LOE to borrower and final settlement statement for final for fees.<br>Reviewer Comment (2025-09-05): The Title-Refundable PAD fee of $300 was included in the finance charge calculation. Unable to determine what the holdback is for or what charges it was applied to. If documented evidence is provided that holdback was for repair/construction costs or tax insurance escrows ONLY (no holdback service fees or other estimated fees), then exception can be cleared. If final settlement statement reflects the PAD has been removed and final for fees CD has been updated that removed, then please provide the Correctred CD, LOE to borrower and copy of final borrower settlement statement. | 09/11/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 843513 | xxxxxx | 34261751 | xxxxxx | 08/25/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide fully executed business purpose certificate. |  |  | Reviewer Comment (2025-09-11): Received business purpose certificate. Exception cleared. | 09/11/2025 |  |  | 1 | C A | C A D | xxxxxx | xxxxxx | Investment | Purchase | D A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 843540 | xxxxxx | 34198183 | xxxxxx | 07/23/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $38,200.00. Provide updated policy reflecting minimum coverage of $xxxxxx OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  | Reviewer Comment (2025-08-08): Per lender correspondence showing 100% replacement cost/guaranteed replacement cost, exception cleared.<br>Reviewer Comment (2025-07-30): Waiting on Replacement Cost Estimator per client. | 08/08/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843542 | xxxxxx | 34147469 | xxxxxx | 07/28/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | Corporate Resolution is missing in the file. |  |  | Reviewer Comment (2025-07-30): Not required, Single member 100% ownership for LLC, exception cleared. | 07/30/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843572 | xxxxxx | 34362549 | xxxxxx | 09/10/2025 | Compliance | Compliance | State Compliance | State Defect | xxxxxx SB270 Prepayment Penalty Test 2009 Investment Test | xxxxxx SB270: Mortgage loan contains an impermissible prepayment penalty; however Note or Prepay Addendum provides specific language that prepayment penalty will not exceed maximum permitted by applicable law. |  |  |  | Reviewer Comment (2025-09-09): Client elects to waive |  |  | 09/09/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Purchase | C B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 843572 | xxxxxx | 34362583 | xxxxxx | 09/10/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Insurance Verification | The provided HOI policy for "xxxxxx" is expired on xxxxxx . Provide the renewed HOI policy or provide a LOE confirming that the HOI will not be renewed as the property is owned free & clear. |  |  | Reviewer Comment (2025-09-23): Received renewed HOI policy for property xxxxxx. Exception cleared. | 09/23/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 843572 | xxxxxx | 34392260 | xxxxxx | 09/10/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide the rent receipts for the borrower's current primary residence for the past 6 months. |  |  | Reviewer Comment (2025-09-23): Received 6 months rent receipts for the borrower's current primary residence. Exception cleared. | 09/23/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 843586 | xxxxxx | 34253439 | xxxxxx | 08/25/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Rent Survey 1007. Fee Amount of $200.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (7543) |  |  |  | Reviewer Comment (2025-08-20): Sufficient Cure Provided At Closing |  | 08/20/2025 |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 843586 | xxxxxx | 34279314 | xxxxxx | 08/25/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Bank statements used for income for account ending xxxxxx are missing transaction period xxxxxx - xxxxxx . The bank statements must cover 24 months without any gaps. It appears the Bank product/type changed and the statement dates changed causing a gap. Please provide the transactions xxxxxx xxxxxx . |  |  | Reviewer Comment (2025-09-09): Received business bank statement. Exception cleared. | 09/09/2025 |  |  | 1 | C A | C A D | xxxxxx | xxxxxx | Primary | Purchase | D A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 843597 | xxxxxx | 34352279 | xxxxxx | 09/09/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $740.00 exceeds tolerance of $590.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  |  | Reviewer Comment (2025-09-03): Sufficient Cure Provided At Closing |  | 09/03/2025 |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 843644 | xxxxxx | 34528787 | xxxxxx | 09/24/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Provide full fraud report. All parties to the transaction (Borrower's/Seller's) must be included in the Fraud and OFAC searches. |  |  | Reviewer Comment (2025-09-25): Received Fraud Report. All parties to the transaction (Borrower's/Seller's) are included in the Fraud and OFAC searches. Exception cleared. | 09/25/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | D B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 843644 | xxxxxx | 34529718 | xxxxxx | 09/24/2025 | Compliance | Compliance | Miscellaneous Compliance | TILA | Prepayment Penalty Discrepancy | Final TIL / CD indicates loan has PPP, however file does not contain prepayment penalty addendum. Missing prepay data may result in invalid high cost, xxxxxx, and/or QM points and fees findings. | On Final Closing Disclosure the prepayment penalty is marked as "Yes", however amount and duration not provided. Also, the file does not contain PPP addendum to Note. |  |  | Reviewer Comment (2025-09-24): Client elects to waive |  |  | 09/24/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Purchase | D B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 843644 | xxxxxx | 34529787 | xxxxxx | 09/24/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Prepayment Penalty | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on xxxxxx incorrectly disclosed whether the loan contains a Prepayment Penalty. (Final xxxxxx) | On Final Closing Disclosure the prepayment penalty is marked as "Yes", however amount and duration not provided. Also, the file does not contain PPP addendum to Note or PPP Rider. |  |  | Reviewer Comment (2025-09-24): Client elects to waive |  |  | 09/24/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 843644 | xxxxxx | 34529788 | xxxxxx | 09/24/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Reinspection Fee. Fee Amount of $123.60 exceeds tolerance of $0.00. $123.60 over legal limit. Insufficient or no cure was provided to the borrower. (7552) | The Reinspection Fee was not disclosed on the initial Loan Estimate and was charged $123.60 on the initial Closing Disclosure without a valid change of circumstance. |  |  | Reviewer Comment (2025-10-01): Situsamc Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. |  | 10/01/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 843644 | xxxxxx | 34538950 | xxxxxx | 09/24/2025 | Compliance | Compliance | State Compliance | Misc. State Level | xxxxxx Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) | xxxxxx Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. |  |  |  | Reviewer Comment (2025-09-24): Client elects to waive |  |  | 09/24/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Purchase | D B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 843644 | xxxxxx | 34539032 | xxxxxx | 09/24/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | 1) Expense factor provided. Provide the preparer's license number. 2) Provide evidence of the business start date for xxxxxx. Preparer only verifies start date of xxxxxx. |  |  | Reviewer Comment (2025-10-02): License provided<br>Reviewer Comment (2025-09-30): Received Article of Organization which shows business start date. Provide the preparer's license number. Exception remains. | 10/02/2025 |  |  | 1 | C A | C A D | xxxxxx | xxxxxx | Primary | Purchase | D B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 843664 | xxxxxx | 34091378 | xxxxxx | 05/30/2025 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of xxxxxx is less than the note amount of xxxxxx based on the Commitment in file. | The Title Policy Amount of xxxxxx is less than the note amount of xxxxxx based on the Commitment in file. |  |  | Reviewer Comment (2025-07-10): Final title reflecting sufficient coverage received | 07/10/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843664 | xxxxxx | 34091379 | xxxxxx | 05/30/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Commitment |  |  |  | Reviewer Comment (2025-07-10): Final title received | 07/10/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843664 | xxxxxx | 34091380 | xxxxxx | 05/30/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | The file contains the Alerts Summary only. The full fraud report is required. |  |  | Reviewer Comment (2025-06-06): A fraud report was provided | 06/06/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843664 | xxxxxx | 34091381 | xxxxxx | 05/30/2025 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | The file is missing the OFAC search for the borrowing business entity. |  |  | Reviewer Comment (2025-06-06): A fraud report with an OFAC search was provided. | 06/06/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843672 | xxxxxx | 34091359 | xxxxxx | 05/06/2025 | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | Credit Report: Original // Public Record Type: Tax Liens / Balance: xxxxxx | There were two liens, both in the amount of xxxxxx. The lien document shows 1 lien paid off and the other lien is still open and there is no documentation to verify the lien has been paid in full and is not reflected on the closing statement as being paid off at closing. |  |  | Reviewer Comment (2025-05-14): An updated tax search reflecting all tax liens that have been removed was provided. | 05/14/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843674 | xxxxxx | 34091356 | xxxxxx | 05/05/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Rider - Acknowledgment and Waiver of Borrower's Rights not provided |  | Please provide the xxxxxx Waiver & Acknowledgment of Borrower's Rights disclosing notary date. |  |  | Reviewer Comment (2025-05-08): xxxxxx Waiver & Acknowledgment of Borrower's Rights was provided | 05/08/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843674 | xxxxxx | 34091357 | xxxxxx | 05/05/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | The file is missing the Articles of Organization. |  |  | Reviewer Comment (2025-05-08): Articles of Organization were provided. | 05/08/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843675 | xxxxxx | 34091377 | xxxxxx | 05/29/2025 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of 674 is less than Guideline representative FICO score of 700. | Representative FICO score of 674 is less than Guideline representative FICO score of 700. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | Reserves: 51.62<br> Guideline Requirement: 2.00<br>The DSCR of 1.49 is greater than the minimum required DSCR of 1.00. | Reviewer Comment (2025-07-01): Waived with compensating factors per lender exception approval at origination. |  |  | 07/01/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843676 | xxxxxx | 34091435 | xxxxxx | 06/24/2025 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. | Valuation Type: Appraisal / Valuation Report date: xxxxxx |  |  |  | Reviewer Comment (2025-06-30): The Condo Approval was provided | 06/30/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843678 | xxxxxx | 34091385 | xxxxxx | 06/02/2025 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: xxxxxx | Fraud report missing in loan file. |  |  | Reviewer Comment (2025-06-04): A fraud report was provided. | 06/04/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843678 | xxxxxx | 34091386 | xxxxxx | 06/02/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud report missing in loan file. |  |  | Reviewer Comment (2025-06-04): A fraud report was provided. | 06/04/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843692 | xxxxxx | 34091339 | xxxxxx | 04/23/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower lives rent free with a party other than spouse. |  |  | Reviewer Comment (2025-04-28): Underwriting notes for the reason the borrower is living rent-free were provided. | 04/28/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843692 | xxxxxx | 34091340 | xxxxxx | 04/23/2025 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of 696 is less than Guideline representative FICO score of 700. | Loan is a cash-out refinance with an LTV of 75% which requires a score of 700; however, the qualifying score is 696. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. | Reserves: 18.91<br> Guideline Requirement: 2.00<br>Debt Service Coverage Ratio: 1.69<br> Guideline Requirement: 1.00 | Reviewer Comment (2025-04-28): Waived with compensating factors per lender exception approval. |  |  | 04/28/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843693 | xxxxxx | 34091342 | xxxxxx | 04/23/2025 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of 696 is less than Guideline representative FICO score of 700. | Loan is a cash-out refinance with an LTV of 75% which requires a score of 700; however, the qualifying score is 696. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | The DSCR of 1.37 is greater than the minimum required DSCR of 1.00. | Reviewer Comment (2025-04-28): Waived with compensating factors per investor exception approval received in trailing docs. |  |  | 04/28/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843693 | xxxxxx | 34091343 | xxxxxx | 04/23/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower lives rent free with a party other than spouse. |  |  | Reviewer Comment (2025-04-28): Received UW LOE for discretion in approving loan for borrower living rent free with someone other than a spouse. | 04/28/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843694 | xxxxxx | 34091345 | xxxxxx | 04/23/2025 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of 696 is less than Guideline representative FICO score of 700. | Loan is a cash-out refinance with an LTV of 75% which requires a score of 700; however, the qualifying score is 696. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | Reserves: 113.94<br> Guideline Requirement: 2.00<br>The DSCR of 1.42 is greater than the minimum required DSCR of 1.00. | Reviewer Comment (2025-04-28): Waived with compensating factors per lender exception approval. |  |  | 04/28/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843694 | xxxxxx | 34091346 | xxxxxx | 04/23/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower lives rent free with a party other than spouse. |  |  | Reviewer Comment (2025-04-30): clear<br>Reviewer Comment (2025-04-28): Provide either a lender exception pertaining to rent free with other than spouse or LOX from UW stating the reason for approving it. | 04/30/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843707 | xxxxxx | 34160275 | xxxxxx | 08/04/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception at origination to allow Borrower currently living rent free with someone other than a spouse. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | The DSCR of 1.18 is greater than the minimum required DSCR of 1.00. | Reviewer Comment (2025-08-04): Waived with compensating factors per lender approved exception at origination. |  |  | 08/04/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843712 | xxxxxx | 34160264 | xxxxxx | 07/30/2025 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of 659 is less than Guideline representative FICO score of 660. | FICO score 659 does not meet minimum required FICO score 660. Lender exception in file. Compensating factors: DSCrR and reserves. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | Reserves: 108.24<br> Guideline Requirement: 2.00<br>The DSCR of 1.21 is greater than the minimum required DSCR of 1.00. | Reviewer Comment (2025-07-30): Waived with compensating factors per lender exception approval at origination. |  |  | 07/30/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843721 | xxxxxx | 34091382 | xxxxxx | 05/30/2025 | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Subject is a refinance and property is listed for sale. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | The property was listed for sale within the last 6 months prior to the note date. Letter of Explanation is required for property listed. |  |  | Reviewer Comment (2025-07-16): Borrower LOE received<br>Reviewer Comment (2025-06-20): LOE is required to be from borrower. | 07/16/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843723 | xxxxxx | 34091529 | xxxxxx | 07/25/2025 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of 645 is less than Guideline representative FICO score of 660. | Lender approved exception request to allow fico 645 vs program minimum fico of 660 with DSCR 1 Minimum on cash out transaction. Please restructure loan program to have PPP or secondary. Comp Factors: 1. Reserves minimum of 6 months or greater from borrower own funds. 2. LTV is 10% or more under max allowed. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reserves: 92.64<br> Guideline Requirement: 2.00<br>Loan to Value: 60.00000%<br> Guideline Maximum Loan to Value: 70.00000% | Reviewer Comment (2025-07-25): Waived with compensating factors per lender exception approval at origination. |  |  | 07/25/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843727 | xxxxxx | 34453084 | xxxxxx | 09/17/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  |  |  |  | Reviewer Comment (2025-09-19): Received Appraisal. Exception cleared. | 09/19/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Primary | Purchase | D B A | C | B D A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 843727 | xxxxxx | 34453100 | xxxxxx | 09/17/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud report is required from an automated fraud and data check vendor solution. Transaction participants must be included in the fraud report as follows: Borrowers/Guarantors, Property Sellers. |  |  | Reviewer Comment (2025-09-19): Received Fraud Report and OFAC search run on Borrower and Property Sellers. Exception cleared. | 09/19/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | D B A | C | B D A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 843727 | xxxxxx | 34453107 | xxxxxx | 09/17/2025 | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  | Reviewer Comment (2025-09-19): Received Flood Certificate. Exception cleared. | 09/19/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | D B A | C | B D A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 843727 | xxxxxx | 34453116 | xxxxxx | 09/17/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | A gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 30- days prior to loan closing or any time after closing. |  |  | Reviewer Comment (2025-09-22): Received Undisclosed Debt Monitoring. Exception cleared. | 09/22/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | D B A | C | B D A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 843727 | xxxxxx | 34453166 | xxxxxx | 09/17/2025 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  |  | Reviewer Comment (2025-09-22): Situsamc Received earliest E-Consent. | 09/22/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | D B A | C | B D A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 843727 | xxxxxx | 34453427 | xxxxxx | 09/17/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  |  | Reviewer Comment (2025-09-22): Received Title Final Policy. Exception cleared. | 09/22/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Purchase | D B A | C | B D A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 843727 | xxxxxx | 34454355 | xxxxxx | 09/17/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: 1 | Note date: xxxxxx; Lien Position: 1 |  |  |  | Reviewer Comment (2025-09-19): Received Appraisal. Exception cleared. | 09/19/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Primary | Purchase | D B A | C | B D A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 843727 | xxxxxx | 34456514 | xxxxxx | 09/17/2025 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Rate Lock agreement is missing from the loan file. |  |  | Reviewer Comment (2025-09-17): Client elects to waive |  |  | 09/17/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Purchase | D B A | C | B D A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 843727 | xxxxxx | 34456525 | xxxxxx | 09/17/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final xxxxxx) | Evidence of earlier receipt not provided |  |  | Reviewer Comment (2025-09-22): SitusAMC received xxxxxx CD 3 business days prior to consummation. | 09/22/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure B A | C | B D A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 843727 | xxxxxx | 34456526 | xxxxxx | 09/17/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TILA-RESPA Integrated Disclosure: application date on or after xxxxxx , no Loan Estimates in the Loan File | TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $11,132.80 may be required. | The file is missing Loan Estimate. |  |  | Reviewer Comment (2025-09-22): SitusAMC received xxxxxx LE's | 09/22/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure B A | C | B D A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 843727 | xxxxxx | 34486608 | xxxxxx | 09/17/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  | Reviewer Comment (2025-09-19): Received approval. Exception cleared. | 09/19/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | D B A | C | B D A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 843727 | xxxxxx | 34486953 | xxxxxx | 09/17/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx or xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  | Reviewer Comment (2025-09-22): Received Title Final Policy. Exception cleared. | 09/22/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Primary | Purchase | D B A | C | B D A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 843727 | xxxxxx | 34499055 | xxxxxx | 09/19/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note date: xxxxxx; Lien Position: 1 |  |  |  | Reviewer Comment (2025-09-23): xxxxxx and xxxxxx CU scores of 1.0 provided | 09/23/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Purchase | D B A | C | B D A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 843739 | xxxxxx | 34099143 | xxxxxx | 08/05/2025 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Flood certificate shows xxxxxx and note has xxxxxx. |  |  | Reviewer Comment (2025-08-15): An updated Flood Cert was provided.<br>Reviewer Comment (2025-08-10): The comments are not acceptable. All addresses must match. The collateral address must match. If the input address of xxxxxx is incorrect and comes up as xxxxxx, then so are all other documents as well. | 08/15/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843779 | xxxxxx | 34224335 | xxxxxx | 08/20/2025 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  |  |  |  | Reviewer Comment (2025-08-28): Final signed and stamped settlement statement provided | 08/28/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843779 | xxxxxx | 34224381 | xxxxxx | 08/20/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC searches not run on Property Seller, xxxxxx |  |  | Reviewer Comment (2025-08-29): Received updated Fraud Report, Fraud and OFAC search run on the seller. Exception cleared. | 08/29/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843779 | xxxxxx | 34224473 | xxxxxx | 08/20/2025 | Credit | Guideline | Guideline Issue | Guideline | Borrower is a first time home buyer and ineligible per guidelines. | Borrower: xxxxxx | Per guidelines, first time homebuyers are not allowed. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | Reviewer Comment (2025-08-27): Client elects to waive with verified compensation factors |  |  | 08/27/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843779 | xxxxxx | 34249636 | xxxxxx | 08/20/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Power of Attorney (POA) not provided |  | The POA provided does not have an expiration date. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | Reviewer Comment (2025-08-28): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-08-27): The lender response is not acceptable as this is a guideline requirement. Investor can elect to waive with verified compensation factors. |  |  | 08/28/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843785 | xxxxxx | 34310636 | xxxxxx | 09/02/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  | Reviewer Comment (2025-09-04): Received Eligibility Review with conditions. Exception cleared. | 09/04/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 843804 | xxxxxx | 34063689 | xxxxxx | 07/31/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note date: xxxxxx; Lien Position: 1 | Desk-Top Review is not an acceptable secondary product for securitization |  |  | Reviewer Comment (2025-08-04): CDA provided | 08/04/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Investment | Purchase | D A C | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 843804 | xxxxxx | 34063838 | xxxxxx | 07/31/2025 | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | Credit Report: Original // Public Record Type: Tax Liens / Balance: xxxxxx, Credit Report: Original // Public Record Type: Tax Liens / Balance: xxxxxx, Credit Report: Original // Public Record Type: Tax Liens / Balance: xxxxxx, Credit Report: Original // Public Record Type: Tax Liens / Balance: xxxxxx, Credit Report: Original // Public Record Type: Tax Liens / Balance: xxxxxx, Credit Report: Original // Public Record Type: Tax Liens / Balance: xxxxxx, Credit Report: Original // Public Record Type: Tax Liens / Balance: xxxxxx, Credit Report: Original // Public Record Type: Tax Liens / Balance: xxxxxx, Credit Report: Original // Public Record Type: Tax Liens / Balance: xxxxxx | Tax liens need to be paid off prior to closing. |  |  | Reviewer Comment (2025-08-07): Client accepting updated fraud report reflecting no liens.<br>Reviewer Comment (2025-08-04): Two fraud reports were provided, one with liens and one without. Investor to advise if they are accepting updated report with no liens to indicate released / not our borrower. Assigned to investor. | 08/07/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Investment | Purchase | D A C | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 843804 | xxxxxx | 34063872 | xxxxxx | 07/31/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  | Reviewer Comment (2025-08-04): 1008 provided | 08/04/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D A C | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 843804 | xxxxxx | 34063873 | xxxxxx | 07/31/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  |  | Reviewer Comment (2025-08-04): COGS provided | 08/04/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D A C | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 843804 | xxxxxx | 34063923 | xxxxxx | 07/31/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Evidence of Funds is missing for xxxxxx. |  |  | Reviewer Comment (2025-08-04): OA provided | 08/04/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D A C | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 843804 | xxxxxx | 34066557 | xxxxxx | 07/31/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $32,500.00. Provide updated policy reflecting minimum coverage of $xxxxxx OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  | Reviewer Comment (2025-08-07): Received updated HOI coverage. Exception cleared. | 08/07/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D A C | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 843804 | xxxxxx | 34099981 | xxxxxx | 07/31/2025 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided |  | Provide the HUD for the Exchange Property for xxxxxx or Exchange Agreement. Proceeds reflected on current transaction final settlement statement. |  |  | Reviewer Comment (2025-08-04): Purchase contact, wire and deed provided. Acceptable in lieu of HUD exchange document | 08/04/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D A C | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 843829 | xxxxxx | 34241825 | xxxxxx | 08/25/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. AVM supports value. Vendor/FSD do not meet Fitch criteria. Sec ID: 10 | Note date: xxxxxx; Lien Position: 1 | FSD 0.18 > 0.10 allowed per guidelines. |  |  | Reviewer Comment (2025-08-28): CDA provided supporting value | 08/28/2025 |  |  | 1 | A D | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 843829 | xxxxxx | 34241885 | xxxxxx | 08/25/2025 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  |  |  |  | Reviewer Comment (2025-08-28): Final stamped settlement statement provided | 08/28/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 843829 | xxxxxx | 34272467 | xxxxxx | 08/25/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | The property is Legal Non-Conforming and appraiser does not not mention 100% rebuilt if destroyed. |  |  | Reviewer Comment (2025-09-05): Received updated Appraisal. Exception cleared.<br>Reviewer Comment (2025-09-02): Received 1025 appraiser mention 100% rebuilt if destroyed. However, the appraisal was not provided with updated report date. Exception remains.<br>Reviewer Comment (2025-08-28): The CDA does not clear this condition. Please review original condition. The property is Legal Non-Conforming and appraiser does not not mention 100% rebuilt if destroyed. | 09/05/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 843886 | xxxxxx | 34201300 | xxxxxx | 08/19/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $420.00 exceeds tolerance of $0.00 plus 10% or $0.00. Insufficient or no cure was provided to the borrower. xxxxxx | Cure nor valid COC provided |  |  | Reviewer Comment (2025-08-25): SitusAMC received LOX for rebuttal response with bifurcation of Recording fee and transfer taxes disclosed on LE. | 08/25/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | A | Exempt from ATR | Exempt from ATR | Yes | Mortgagor Focused |
| xxxxxx | 843886 | xxxxxx | 34201301 | xxxxxx | 08/19/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $4,810.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (8304) | Cure nor valid COC provided |  |  | Reviewer Comment (2025-08-25): SitusAMC received LOX for rebuttal response with bifurcation of Recording fee and transfer taxes disclosed on LE. | 08/25/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | A | Exempt from ATR | Exempt from ATR | Yes | Mortgagor Focused |
| xxxxxx | 843886 | xxxxxx | 34240753 | xxxxxx | 08/19/2025 | Credit | Guideline | Guideline Issue | Guideline | Per guidelines, the subject property cannot be greater than 20 acres. |  | Property is xxxxxx acres on a xxxxxx SFD. | Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | Reviewer Comment (2025-09-15): Client elects to waive with verified compensation factors |  |  | 09/15/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Purchase | C B | C | A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 843893 | xxxxxx | 34429724 | xxxxxx | 09/12/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Please provide evidence / SOF for the payoff of the xxxxxx Second mortgage. Second mortgage payoff is not shown on the Final CD, but Satisfaction of Mortgage in file shows it was satisfied on the day of closing. Balloon note/mortgage of xxxxxx had a maturity date of xxxxxx If the mortgage was refinanced it must be included in the CLTV and DTI. |  |  | Reviewer Comment (2025-09-18): MUTC provided noting to omit. PDF versions reflects title company made these mark ups. Satisfaction in file. SOF of payoff is not a guideline requirement. | 09/18/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 843893 | xxxxxx | 34429835 | xxxxxx | 09/12/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Title reflects an xxxxxx within the proerpty address. |  |  | Reviewer Comment (2025-09-18): Supplement correcting address provided | 09/18/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 843894 | xxxxxx | 34534570 | xxxxxx | 09/28/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $866.25 exceeds tolerance of $798.00. Sufficient or excess cure was provided to the borrower at Closing. (8304) |  |  |  | Reviewer Comment (2025-09-23): Sufficient Cure Provided At Closing |  | 09/23/2025 |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 843906 | xxxxxx | 34192637 | xxxxxx | 08/18/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $575.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7507) | COC does not list a valid reason as to why the fee was increased. Further, there isn't a second appraisal in file. |  |  | Reviewer Comment (2025-09-04): SitusAMC received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Reviewer Comment (2025-08-22): SitusAMC: provided COC dated xxxxxx in the loan file does not give sufficient information on why the 2nd appraisal was approved to add the fee. In order to determine if the changed circumstance is valid more information is necessary on reason for the requirement of 2nd appraisal and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. |  | 09/04/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 843906 | xxxxxx | 34192639 | xxxxxx | 08/18/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $2,198.40 exceeds tolerance of $2,148.00. Insufficient or no cure was provided to the borrower. (8304) | COC does not list a valid reason as to why the fee was increased. |  |  | Reviewer Comment (2025-09-04): SitusAMC received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Reviewer Comment (2025-08-22): SitusAMC received LOX for rebuttal response for the Transfer taxes updated as per the title CD. However, the Title CD and receipt of an title invoice is not a valid changed circumstance in order for a fee to be re-baselined. Hence, we also required additional information on what impacts and why the fee was increased on the initial CD and was not known prior to and at initial application disclosure and to provide information supporting lender's knowledge of when they became aware of the fee. |  | 09/04/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 843940 | xxxxxx | 34301178 | xxxxxx | 09/02/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | A gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 30- days prior to loan closing or any time after closing. |  |  | Reviewer Comment (2025-09-04): Received UDM dated xxxxxx . Exception cleared. | 09/04/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 843940 | xxxxxx | 34301599 | xxxxxx | 09/02/2025 | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Subject hazard insurance policy number is missing from evidence of insurance. |  | Hazard Insurance Policy # is reflecting pending on the document. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | Reviewer Comment (2025-08-28): Client elects to waive |  |  | 08/28/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Purchase | C B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 843940 | xxxxxx | 34301618 | xxxxxx | 09/02/2025 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Flood cert address xxxxxx does not matches with the note document xxxxxx. |  |  | Reviewer Comment (2025-09-04): Updated flood cert provided | 09/04/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 843960 | xxxxxx | 34301558 | xxxxxx | 08/27/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided |  | The prepare noted that they reviewed the borrower's financials and returns but did not verify they completed or filed the business returns. Per guidelines, Confirmation the preparer completed or filed the most recent business tax return if the preparer has not completed or filed the borrower's<br> most recent business tax return, the following must be provided: Two (2) months business bank statements for the most recent two (2) months<br> reflected on the P&L statement. Deposits must support 80% of the monthly average sales/revenue reported on the P&L. If most recent 2 months business bank statements do not support 80% of the monthly average sales/revenue, continuous bank statements may be added to the analysis until the tolerance is met. The two months business bank statements provided support deposits of $178,726.53 which is not 80% of the monthly average sales per the P&L. |  |  | Reviewer Comment (2025-09-19): Received CPA letter stating they have completed taxes for last 2 years. Exception cleared.<br>Reviewer Comment (2025-09-12): Received the same CPA Letter which was provided earlier. Provide document as requested on the original condition. Exception remains. | 09/19/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 843962 | xxxxxx | 34261582 | xxxxxx | 08/25/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx or xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  | Reviewer Comment (2025-08-28): FTP provided | 08/28/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 843962 | xxxxxx | 34261594 | xxxxxx | 08/25/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  |  | Reviewer Comment (2025-08-28): FTP provided | 08/28/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 843962 | xxxxxx | 34262014 | xxxxxx | 08/25/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | 1 additional xxxxxx liability is being paid off along with an decreased balance for the other xxxxxx liability per the PC-CD, however is not on the Final CD. Provide the final stamped settlement statement to verify debt and correct balances were paid through closing. |  |  | Reviewer Comment (2025-08-29): Final settlement statement provided supporting debt paid through closing<br>Reviewer Comment (2025-08-28): The gap report dated prior to closing suffices to support the balances paid through closing, however this not solve the issue for the additional debt paid on the PC-CD that was not reflected on the Final CD. The final stamped settlement statement must be provided to verify the debt was paid through closing. | 08/29/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 843962 | xxxxxx | 34277803 | xxxxxx | 08/25/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Card Statement not provided |  | Provide the new terms for the xxxxxx as per the borrower's LOE, took out new debt with xxxxxx. Borrower stated it appears on their credit report, however the debt is not on the credit or gap report. Debt to be added to ratios. Max 45% due to FTHB. |  |  | Reviewer Comment (2025-09-03): Received updated LOX for the new debt. Exception cleared. | 09/03/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 843962 | xxxxxx | 34277832 | xxxxxx | 08/25/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $200.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75103) | COC states 442 inspection was added due to subject to appraisal, however appraisal was received xxxxxx and fee was not disclosed until xxxxxx which is > 3 days from discovery. |  |  | Reviewer Comment (2025-09-04): SitusAMC received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. |  | 09/04/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 843993 | xxxxxx | 34120974 | xxxxxx | 08/06/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | Disaster Name: xxxxxx<br> Disaster Declaration Date: xxxxxx <br> Disaster End Date: xxxxxx |  |  | Reviewer Comment (2025-08-19): DI received dated xxxxxx : No Damage<br>Reviewer Comment (2025-08-17): No new documents received. Please try uploading again. | 08/19/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 844008 | xxxxxx | 34245690 | xxxxxx | 08/25/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | HOA project is involved in litigation. |  | Investor exception in file | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Credit Score 30+ points > minimum required | Reviewer Comment (2025-08-22): Client elects to waive with verified compensation factors. Per the Client, Litigation does not apply to the subject or borrower and is not structural. |  |  | 08/22/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 844008 | xxxxxx | 34250750 | xxxxxx | 08/25/2025 | Credit | Guideline | Guideline Issue | Guideline | Borrower is a first time home buyer and ineligible per guidelines. | Borrower: xxxxxx | Borrower is a first time homebuyer and first time investor. Per guidelines, only 1 borrower needs to meet the experience requirement, however no borrower can be a FTHB. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Credit Score 30+ points > minimum required | Reviewer Comment (2025-08-27): Client elects to waive with verified compensation factors |  |  | 08/27/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 844034 | xxxxxx | 34263120 | xxxxxx | 08/25/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx HOA Verification |  |  |  | Reviewer Comment (2025-08-29): Received HOA Verification. Exception cleared. | 08/29/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 844034 | xxxxxx | 34263160 | xxxxxx | 08/25/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note date: xxxxxx; Lien Position: 2 | The appraisal and CDA from the first mortgage transaction were used, which were dated before this transaction's application date. This is acceptable to use per the guidelines. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | Reviewer Comment (2025-08-25): Client elects to waive |  |  | 08/25/2025 | 2 | A | A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 844034 | xxxxxx | 34263268 | xxxxxx | 08/25/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided |  | Both the Senior Lien original Note and most recent mortgage statement is missing. |  |  | Reviewer Comment (2025-08-29): Received Senior Lien original Note and Mortgage Statement. Exception cleared. | 08/29/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 844034 | xxxxxx | 34263355 | xxxxxx | 08/25/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $93.00 exceeds tolerance of $83.00. Insufficient or no cure was provided to the borrower. (7580) | The Tax Service Fees on the Loan Estimate dated xxxxxx was $83.00; however, the final Closing Disclosure reflects $93.00 without a valid change of circumstance. |  |  | Reviewer Comment (2025-08-29): SitusAMC received PCCD, LOE, proof of mailing & copy of refund check |  | 08/29/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 844034 | xxxxxx | 34270034 | xxxxxx | 08/25/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Mortgage history for the property on xxxxxx with xxxxxx does not appear on credit. VOM and mortgage statement provided. Provide the 6 months borrower pay history. |  |  | Reviewer Comment (2025-09-10): OA provided to support borrower owns business for the bank statement ACH withdrawal history for property in question.<br>Reviewer Comment (2025-09-10): Received operating agreement that was not requested, please provide the documents as requested on the comments dated xxxxxx . Exception remains.<br>Reviewer Comment (2025-09-04): Received Pay history, VOM and Mortgage statement. Mortgage Statement are for 2 months xxxxxx xxxxxx, xxxxxx xxxxxx. Provide additional 5 months of Mortgage Statements. Exception remains.<br>Reviewer Comment (2025-09-03): Received LOX and Credit Report reflects Mortgage history is for the subject property, however the 6 months borrower pay history for the property located at xxxxxx with mortgage amount xxxxxx that was originated on xxxxxx . Exception remains.<br>Reviewer Comment (2025-08-29): Cleared in error. Received VOM which was already in file. Provide 6 months borrower pay history. Exception remains. | 09/10/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 844034 | xxxxxx | 34270071 | xxxxxx | 08/25/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a xxxxxx/xxxxxx form and does not contain the following clauses: | Homestead Exemption Waiver |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | Reviewer Comment (2025-08-25): Client elects to waive |  |  | 08/25/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 844034 | xxxxxx | 34278153 | xxxxxx | 08/25/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Address: xxxxxx Other<br> Other | Provide the Final CD to verify the P&I payments for the second lien mortgages on the xxxxxx properties, Units xxxxxx and xxxxxx. If refinancing a previous second lien, 12 month housing history will also be required. |  |  | Reviewer Comment (2025-08-29): Final CD's provided for both units. Not refinancing a previous second lien therefore history is not required. | 08/29/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 844044 | xxxxxx | 34170894 | xxxxxx | 08/17/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Permanent resident Alien card expires xxxxxx) within 30 days of closing. |  |  | Reviewer Comment (2025-08-26): I-797 received extending card for 48 months from date of expiration.<br>Reviewer Comment (2025-08-21): Assigned to investor. Please confirm accepting green card with expiration date with < 30 days remaining and no evidence of renewal or application for renewal. | 08/26/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 844069 | xxxxxx | 34331749 | xxxxxx | 09/05/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  |  |  | Reviewer Comment (2025-09-10): Articles of Org provided | 09/10/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 844069 | xxxxxx | 34331750 | xxxxxx | 09/05/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  |  | Reviewer Comment (2025-09-10): COGS provided | 09/10/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 844069 | xxxxxx | 34331751 | xxxxxx | 09/05/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  |  | Reviewer Comment (2025-09-09): Received Business Purpose Certificate. Exception cleared. | 09/09/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 844069 | xxxxxx | 34331755 | xxxxxx | 09/05/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  |  |  |  | Reviewer Comment (2025-09-15): Received Guarantor Agreement. Exception cleared.<br>Reviewer Comment (2025-09-10): The OA was provided. The condition is requesting the Guarantor Agreement. | 09/15/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 844079 | xxxxxx | 34187991 | xxxxxx | 08/15/2025 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Hazard Dec Page not provided |  | Blanket policy in file does not list the Subject property xxxxxx. Also the Blanket policy in file on page 2 references a different borrower and unit. Please provide a corrected Blanket policy that reflects subject property and Borrower. |  |  | Reviewer Comment (2025-08-22): Received updated Blanket policy reflecting Borrowers name & correct subject property address on page 2. Exception cleared. | 08/22/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 844103 | xxxxxx | 34403892 | xxxxxx | 09/12/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Missing business purpose document. |  |  | Reviewer Comment (2025-09-18): BP Cert provided | 09/18/2025 |  |  | 1 | C A | C A D | xxxxxx | xxxxxx | Investment | Purchase | D A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 844103 | xxxxxx | 34403901 | xxxxxx | 09/12/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | Approval is missing. |  |  | Reviewer Comment (2025-09-17): Received Approval. Exception cleared. | 09/17/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 844103 | xxxxxx | 34403903 | xxxxxx | 09/12/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | Missing gap credit report. |  |  | Reviewer Comment (2025-09-17): Received Gap report dated xxxxxx . Exception cleared. | 09/17/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 844112 | xxxxxx | 34392118 | xxxxxx | 09/10/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $560.00 exceeds tolerance of $525.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Appraisal Fee was last disclosed as $525.00 on the Loan Estimate, but was disclosed as $560.00 on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $35.00, a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made |  |  | Reviewer Comment (2025-09-09): Sufficient Cure Provided At Closing |  | 09/09/2025 |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 844112 | xxxxxx | 34392119 | xxxxxx | 09/10/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Reinspection Fee. Fee Amount of $210.00 exceeds tolerance of $175.00. Sufficient or excess cure was provided to the borrower at Closing. (7552) | Reinspection Fee was not disclosed on the initial Loan Estimate, but was disclosed as $210.00 on the Final Closing Disclosure. A valid COC was provided for $175.00of this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $210.00, a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  |  | Reviewer Comment (2025-09-09): Sufficient Cure Provided At Closing |  | 09/09/2025 |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 844114 | xxxxxx | 34313331 | xxxxxx | 09/03/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx P&L Statement | YTD P&L required for the business xxxxxx. |  |  | Reviewer Comment (2025-09-26): Received revised YTD P&L statement dated xxxxxx . Exception cleared.<br>Reviewer Comment (2025-09-22): Received YTD P&L dated xxxxxx . However, the same amount is provided on YTD P&L dated xxxxxx and xxxxxx . Therefore provide revised P&L with YTD dated xxxxxx . Exception remains.<br>Reviewer Comment (2025-09-18): Received YTD P&L or the business xxxxxx signed and dated by borrower, xxxxxx. However the YTD date is dated post closing, it must be dated till xxxxxx . Exception remains.<br>Reviewer Comment (2025-09-11): Received YTD P&L is signed and dated by borrower, xxxxxx. However, it must be signed and dated by only borrower, xxxxxx. Also, YTD P&L must be dated up to and including the most recent month preceding the loan application date xxxxxx . Exception remains. | 09/26/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 844114 | xxxxxx | 34320206 | xxxxxx | 09/03/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participants, authorized signor for the seller, xxxxxx, was not included in the report. |  |  | Reviewer Comment (2025-09-08): Received updated fraud report. Fraud and OFAC search run on the seller. Exception cleared. | 09/08/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 844114 | xxxxxx | 34325628 | xxxxxx | 09/03/2025 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - Not High Cost and Not Higher Priced | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment). | xxxxxx initial 1003, dec page, reflects intent to occupy. |  |  | Reviewer Comment (2025-08-29): Client elects to waive. Per the Client, the final 1003 was prefilled and included the typo. Borrowers have lived in their primary residence for 32 years, SFR per xxxxxx> 1mm. Occupancy Cert confirms the subject as an investment. Subject is the 3rd rental borrower who has purchased |  |  | 08/29/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Purchase | C B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 844121 | xxxxxx | 34269455 | xxxxxx | 08/22/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Final CD reflects a disbursement date prior to consummation. If this is incorrect, provide the final stamped settlement statement to support. |  |  | Reviewer Comment (2025-08-27): Final stamped settlement statement provided updating disbursement date | 08/27/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 844123 | xxxxxx | 34303149 | xxxxxx | 09/02/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - xxxxxx | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 9,718.44 on Final Closing Disclosure provided on xxxxxx are overdisclosed. (Final xxxxxx) | Non-Escrowed property costs over 1 year is $8,120.52 ($676.71 x 12 (T&I)) |  |  | Reviewer Comment (2025-09-09): SitusAMC received Letter of Explanation & Corrected Closing Disclosure.<br>Reviewer Comment (2025-09-04): Please provide copy of LOE provided to borrower with the PCCD to complete cure. |  | 09/09/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 844123 | xxxxxx | 34303182 | xxxxxx | 09/02/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a xxxxxx/xxxxxx form and does not contain the following clauses: | Mortgagors requirement to maintain adequate insurance at the mortgagor's own expense, Homestead Exemption Waiver |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | DTI <=36% which is below requirement in guidelines | Reviewer Comment (2025-08-28): Client elects to waive |  |  | 08/28/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844123 | xxxxxx | 34303221 | xxxxxx | 09/02/2025 | Credit | 1003 | Document Error | 1003 | Borrower(s) is not a xxxxxx Citizen, and the guideline required documentation was not provided. | Borrower: xxxxxx | Investor Exception. EAD expiring within 6 months of loan application | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | DTI <=36% which is below requirement in guidelines | Reviewer Comment (2025-08-28): Client elects to waive with verified compensation factors |  |  | 08/28/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844133 | xxxxxx | 34241578 | xxxxxx | 08/22/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Provide the RCE. |  |  | Reviewer Comment (2025-09-04): RCE provided<br>Reviewer Comment (2025-08-28): The same HOI was provided that was in file at time of review. Please review the original condition. Coverage is short. Provide the RCE. | 09/04/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | C | A | N/A | Non QM | No | Mortgagor Focused |
| xxxxxx | 844133 | xxxxxx | 34262942 | xxxxxx | 08/22/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Origination Fee. Fee Amount of $4,061.25 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7325) | COC states program changed, however there no change between the previous CD and current CD. |  |  | Reviewer Comment (2025-09-24): SitusMAC received detailed LOE to explain COC dated xxxxxx .<br>Reviewer Comment (2025-09-08): SitusAMC received Changed Circumstance dated xxxxxx , but it does not give sufficient information on why the loan origination fee was added. In order to determine if the changed circumstance is valid more information is necessary on reason fee added and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Reviewer Comment (2025-09-03): SitusAMC received COC dated xxxxxx but the reason is not provided why the Origination fee was added later on CD while the loan was already locked. Please provide information as to what changed circumstance occurred (as defined under 1026.19(e)(4)(A)-(F) that resulted in an increase in closing costs or cure would be due to the borrower. | 09/24/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | C | A | N/A | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 844169 | xxxxxx | 34298528 | xxxxxx | 09/02/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC searches not run on Seller, xxxxxx. |  |  | Reviewer Comment (2025-09-10): Received updated Fraud report. Fraud and OFAC search run on the seller. Exception cleared. | 09/10/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844169 | xxxxxx | 34298709 | xxxxxx | 09/02/2025 | 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. | All gift documentation for $125,250 (wire, deposit receipt and letter) are dated post-close. |  |  | Reviewer Comment (2025-09-16): Preclose gift letter provided which reflects more than received by donor. Corrected post-close.<br>Reviewer Comment (2025-09-09): The same PC-CD was provided that was in file at time of review. and is not acceptable. Disbursement date has no bearing on this condition. | 09/16/2025 |  |  | 1 | B A C | B A C | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM status C B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 844169 | xxxxxx | 34298710 | xxxxxx | 09/02/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Assets | Ability to Repay (Dodd-Frank 2014): Unable to verify assets using reasonably reliable third-party records. (Gift Funds/Gift Funds) | All gift documentation for $125,250 (wire, deposit receipt and letter) are dated post-close. |  |  | Reviewer Comment (2025-09-16): Preclose gift letter provided which reflects more than received by donor. Corrected post-close.<br>Reviewer Comment (2025-09-09): The same PC-CD was provided that was in file at time of review. and is not acceptable. Disbursement date has no bearing on this condition. | 09/16/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844169 | xxxxxx | 34298727 | xxxxxx | 09/02/2025 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | All gift documentation for $125,250 (wire, deposit receipt and letter) are dated post-close. |  |  | Reviewer Comment (2025-09-16): Preclose gift letter provided which reflects more than received by donor. Corrected post-close. | 09/16/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844169 | xxxxxx | 34298729 | xxxxxx | 09/02/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Contact Information - Lender | TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xxxxxx did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name, Contact NMLS ID). (Final xxxxxx) | The final CD and PCCD does not reflect he NMLS ID for the Lender. |  |  | Reviewer Comment (2025-09-18): SitusAMC received PCCD and LOE.<br>Reviewer Comment (2025-09-10): SitusAMC received Corrected CD. Missing copy of LOE that accompanied the PCCD to finalize cure. |  | 09/18/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 844169 | xxxxxx | 34298731 | xxxxxx | 09/02/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $984.50 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (8304) |  |  |  | Reviewer Comment (2025-08-26): Sufficient Cure Provided At Closing |  | 08/26/2025 |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 844169 | xxxxxx | 34302594 | xxxxxx | 09/02/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 5.49 is less than Guideline PITIA months reserves of 6.00. | Insufficient reserves | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | Reviewer Comment (2025-09-17): Client elects to waive with verified compensation factors |  |  | 09/17/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844169 | xxxxxx | 34302738 | xxxxxx | 09/02/2025 | 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. | Insufficient reserves |  |  | Reviewer Comment (2025-09-17): Loan designation updated to Non-QM. Condition no longer applies. | 09/17/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844169 | xxxxxx | 34478370 | xxxxxx | 09/16/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Insufficient reserves |  |  | Reviewer Comment (2025-09-17): Loan designation updated to Non-QM. Condition no longer applies. | 09/17/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 844176 | xxxxxx | 34243545 | xxxxxx | 08/22/2025 | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | The transaction closed as a refinance of a primary residence, and the valuation reflects that the subject property is vacant. Unable to verify occupancy. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Appraisal reflects Vacant. |  |  | Reviewer Comment (2025-08-29): LOE in file from borrower with intent to move into subject as the primary. Current primary on xxxxxx sold on xxxxxx after appraisal was completed which is why appraisal reflects vacant.<br>Reviewer Comment (2025-08-28): The appraisal will need to be updated. An appraisal cannot reflect vacant on a primary refinance. | 08/29/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 844176 | xxxxxx | 34248536 | xxxxxx | 08/22/2025 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | H06 policy does not list Mortgagee with ISAOA. |  |  | Reviewer Comment (2025-08-26): Updated HO6 provided | 08/26/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 844176 | xxxxxx | 34249059 | xxxxxx | 08/22/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | VOM is missing for the xxxxxx Mtg on previous primary at xxxxxx. The loan was recently paid off on xxxxxx per the sellers closing stmt in file. The cl stmt payoff reflects a $107.09 late charge for this mortgage and the property profile report reflects both borrower and non-borrower on mortgage. |  |  | Reviewer Comment (2025-09-05): Credit supplement provided reflecting no lates | 09/05/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 844176 | xxxxxx | 34262070 | xxxxxx | 08/22/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | Provide the deed transferring from the LLC to the Trust dated at or prior to closing. |  |  | Reviewer Comment (2025-08-26): Deed provided | 08/26/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 844176 | xxxxxx | 34262124 | xxxxxx | 08/22/2025 | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Subject is a refinance and property is listed for sale. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Loans not eligible for cash-out: Primary Residence or Second Home properties listed for sale in the past six (6) months. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. |  | Reviewer Comment (2025-09-03): Client elects to waive with verified compensation factors |  |  | 09/03/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 844176 | xxxxxx | 34262210 | xxxxxx | 08/22/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Previous cash out refinances in the last 6 months not eligible for cash out. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. |  | Reviewer Comment (2025-09-03): Client elects to waive with verified compensation factors |  |  | 09/03/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 844193 | xxxxxx | 34263916 | xxxxxx | 08/26/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | The dec page, Section 5 is incomplete. Provide the fully complete document. Additional conditions may apply. |  |  | Reviewer Comment (2025-09-15): Lender attestation provided<br>Reviewer Comment (2025-09-11): Received initialed page with docusign. Pending receipt of lender attestation on error.<br>Reviewer Comment (2025-09-04): The 1003 is not signed / initialed by the borrower with updates to questions. The lender cannot complete these questions on behalf of the borrower / without borrower providing the answers. Provide the signed and dated or initialed 1003 by the borrower with corrections along with lender attestation on error. | 09/15/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844193 | xxxxxx | 34263954 | xxxxxx | 08/26/2025 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | Policy from xxxxxx Fair Plan does not list ISAOA. |  |  | Reviewer Comment (2025-09-02): Updated HOI provided. Per client, accepts mortgagee corrections post close but prior to purchase. | 09/02/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844193 | xxxxxx | 34271705 | xxxxxx | 08/26/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 45.56743% exceeds Guideline total debt ratio of 43.00000%. | Max DTI for Rent Free borrower is 43% | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. |  | Reviewer Comment (2025-09-10): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-09-03): The same VOR was provided that was in file at time of review. This is the borrower's previous residence on xxxxxx that ended on xxxxxx per the VOR. Per 1003 and LOE in file, borrower lives rent free at xxxxxx for the past 4 months. Rent free borrower's capped at 43%. To also note, even if borrower was renting, first time homebuyer's are capped at 45% which current DTI still exceeds that as well. |  |  | 09/10/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844193 | xxxxxx | 34271727 | xxxxxx | 08/26/2025 | 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. | Max DTI for Rent Free borrower is 43% |  |  | Reviewer Comment (2025-09-10): Loan designation updated to Non-QM. Condition no longer applies.<br>Reviewer Comment (2025-09-03): The same VOR was provided that was in file at time of review. This is the borrower's previous residence on xxxxxx that ended on xxxxxx per the VOR. Per 1003 and LOE in file, borrower lives rent free at xxxxxx for the past 4 months. Rent free borrower's capped at 43%. To also note, even if borrower was renting, first time homebuyer's are capped at 45% which current DTI still exceeds that as well. | 09/10/2025 |  |  | 1 | B A C | B A C | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 844193 | xxxxxx | 34271728 | xxxxxx | 08/26/2025 | 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. | Max DTI for Rent Free borrower is 43% |  |  | Reviewer Comment (2025-09-10): Loan designation updated to Non-QM. Condition no longer applies.<br>Reviewer Comment (2025-09-03): The same VOR was provided that was in file at time of review. This is the borrower's previous residence on xxxxxx that ended on xxxxxx per the VOR. Per 1003 and LOE in file, borrower lives rent free at xxxxxx for the past 4 months. Rent free borrower's capped at 43%. To also note, even if borrower was renting, first time homebuyer's are capped at 45% which current DTI still exceeds that as well. | 09/10/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844193 | xxxxxx | 34271729 | xxxxxx | 08/26/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 45.56743% moderately exceeds the guideline maximum of 43.00%. (DTI Exception is eligible to be regraded with compensating factors.) | Max DTI for Rent Free borrower is 43% | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. |  | Reviewer Comment (2025-09-10): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-09-03): The same VOR was provided that was in file at time of review. This is the borrower's previous residence on xxxxxx that ended on xxxxxx per the VOR. Per 1003 and LOE in file, borrower lives rent free at xxxxxx for the past 4 months. Rent free borrower's capped at 43%. To also note, even if borrower was renting, first time homebuyer's are capped at 45% which current DTI still exceeds that as well. |  |  | 09/10/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844193 | xxxxxx | 34271730 | xxxxxx | 08/26/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments Estimated Taxes, Insurance, & Assessments: Final Closing Disclosure provided on xxxxxx disclosed whether insurance is included in escrow in incorrect section. Creditor disclosed insurance cost to consumer in "Other" section where regulation requires insurance to be disclosure under "Homeowner's Insurance" section. Disclosure requirement met, non-material exception for incorrect format/placement. (Final xxxxxx) | Other list xxxxxx Fair Plan insurance. |  |  | Reviewer Comment (2025-08-26): Client elects to waive |  |  | 08/26/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Purchase | Good Faith Redisclosure C B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 844193 | xxxxxx | 34299479 | xxxxxx | 08/26/2025 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 90.00000% exceeds Guideline loan to value percentage of 80.00000%. | Max 80% for rent free borrowers | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. |  | Reviewer Comment (2025-09-10): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-09-03): The same VOR was provided that was in file at time of review. This is the borrower's previous residence on xxxxxx that ended on xxxxxx per the VOR. Per 1003 and LOE in file, borrower lives rent free at xxxxxx for the past 4 months. |  |  | 09/10/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844201 | xxxxxx | 34239679 | xxxxxx | 08/22/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 50.09236% exceeds Guideline total debt ratio of 50.00000%. | Lender's 1008 only reflects $65/month in other credit debt, however per the most recent gap report, credit debt is $95/month and well as taxes are $701/month vs. $452/month. |  |  | Reviewer Comment (2025-09-03): xxxxxx statement provided verifying debt paid in full on xxxxxx which is prior to closing. DTI is now within guidelines.<br>Reviewer Comment (2025-08-28): If the gap is dated post-close it will not be acceptable. Investor can elect to waive with verified compensation factors.<br>Reviewer Comment (2025-08-28): The credit supplement provided is dated post close and not acceptable. Further this does not support the only time there was a balance was xxxxxx.This reflects the debt was opened on xxxxxx and the last payment made was xxxxxx but does not specify a day to determine if paid off prior to or at closing.<br>Reviewer Comment (2025-08-25): The statement is dated xxxxxx and the gap report is dated later xxxxxx which still reflects a balance and monthly payment. | 09/03/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844201 | xxxxxx | 34239707 | xxxxxx | 08/22/2025 | 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. | Lender's 1008 only reflects $65/month in other credit debt, however per the most recent gap report, credit debt is $95/month and well as taxes are $701/month vs. $452/month. |  |  | Reviewer Comment (2025-09-03): xxxxxx statement provided verifying debt paid in full on xxxxxx which is prior to closing. DTI is now within guidelines.<br>Reviewer Comment (2025-08-28): If the gap is dated post-close it will not be acceptable. Investor can elect to waive with verified compensation factors.<br>Reviewer Comment (2025-08-28): The credit supplement provided is dated post close and not acceptable. Further this does not support the only time there was a balance was xxxxxx.This reflects the debt was opened on xxxxxx and the last payment made was xxxxxx, but does not specify a day to determine if paid off prior to or at closing.<br>Reviewer Comment (2025-08-25): The statement is dated xxxxxx and the gap report is dated later xxxxxx which still reflects a balance and monthly payment. | 09/03/2025 |  |  | 1 | B A C | B A C | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 844201 | xxxxxx | 34239708 | xxxxxx | 08/22/2025 | 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. | Lender's 1008 only reflects $65/month in other credit debt, however per the most recent gap report, credit debt is $95/month and well as taxes are $701/month vs. $452/month. |  |  | Reviewer Comment (2025-09-03): xxxxxx statement provided verifying debt paid in full on xxxxxx which is prior to closing. DTI is now within guidelines.<br>Reviewer Comment (2025-08-28): If the gap is dated post-close it will not be acceptable. Investor can elect to waive with verified compensation factors.<br>Reviewer Comment (2025-08-28): The credit supplement provided is dated post close and not acceptable. Further this does not support the only time there was a balance was xxxxxx.This reflects the debt was opened on xxxxxx and the last payment made was xxxxxx, but does not specify a day to determine if paid off prior to or at closing.<br>Reviewer Comment (2025-08-25): The statement is dated xxxxxx and the gap report is dated later xxxxxx which still reflects a balance and monthly payment. | 09/03/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844201 | xxxxxx | 34239709 | xxxxxx | 08/22/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 50.09236% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.) | Lender's 1008 only reflects $65/month in other credit debt, however per the most recent gap report, credit debt is $95/month and well as taxes are $701/month vs. $452/month. |  |  | Reviewer Comment (2025-09-03): xxxxxx statement provided verifying debt paid in full on xxxxxx which is prior to closing. DTI is now within guidelines.<br>Reviewer Comment (2025-08-28): If the gap is dated post-close it will not be acceptable. Investor can elect to waive with verified compensation factors.<br>Reviewer Comment (2025-08-28): The credit supplement provided is dated post close and not acceptable. Further this does not support the only time there was a balance was xxxxxx.This reflects the debt was opened on xxxxxx and the last payment made was xxxxxx, but does not specify a day to determine if paid off prior to or at closing.<br>Reviewer Comment (2025-08-25): The statement is dated xxxxxx and the gap report is dated later xxxxxx which still reflects a balance and monthly payment. | 09/03/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844213 | xxxxxx | 34549805 | xxxxxx | 09/28/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor exception due to Condo investor concentration is 77.27%. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Credit Score 30+ points > minimum required | Reviewer Comment (2025-09-25): Client elects to waive with verified compensation factors |  |  | 09/25/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Purchase | B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 844231 | xxxxxx | 34395841 | xxxxxx | 09/11/2025 | Credit | Guideline | Guideline Issue | Guideline | More than 3 NSFs/Overdraft Transfers occurred in the most recent 12-month period. |  | Non-sufficient funds (NSF) reflected on the borrowers business bank statements. If there are one (1) or more occurrences in the most recent three-month time period, up to three (3) occurrences are allowed in the most recent 12-month time period. There are 9 in the last 12 months, with 4 of those within the last 3 months. LOE provided. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | Reviewer Comment (2025-09-15): Client elects to waive with verified compensation factors |  |  | 09/15/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Purchase | C B | B | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 844231 | xxxxxx | 34395862 | xxxxxx | 09/11/2025 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  | Reviewer Comment (2025-09-15): Signed initial 1003 provided | 09/15/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Primary | Purchase | C B | B | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 844231 | xxxxxx | 34395898 | xxxxxx | 09/11/2025 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Rate Lock document is missing from the file. |  |  | Reviewer Comment (2025-09-11): Client elects to waive |  |  | 09/11/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B | B | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 844231 | xxxxxx | 34415865 | xxxxxx | 09/11/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Creditor Application Date was not provided |  | Provide evidence of the application date as the initial 1003 is missing / not signed by LO. |  |  | Reviewer Comment (2025-09-15): Signed initial 1003 provided | 09/15/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | B | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 844261 | xxxxxx | 34343007 | xxxxxx | 09/08/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Shortfall xxxxxx |  |  | Reviewer Comment (2025-09-30): Agent email confirming premium stayed the same.<br>Reviewer Comment (2025-09-29): Another updated policy was provided with an additional increase of xxxxxx based on comments on xxxxxx that even with increased coverage, coverage was still short by xxxxxx, which is what the agent seems to verify by no additional premium for the xxxxxx increase. Evidence needs to be provided that there was no premium increase from dwelling coverage of xxxxxx to xxxxxx (increase of xxxxxx). The agent needs to list the full premium on the updated policy or provide an email verifying this.<br>Reviewer Comment (2025-09-29): Received Hazard Insurance does not reflect a premium. Provide evidence of premium. Exception remains.<br>Reviewer Comment (2025-09-19): The updated policy with increased coverage does not reflect a premium. Provide evidence of premium, if any for increase. In addition, the coverage with the increased dwelling is still short by xxxxxx | 09/30/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 844261 | xxxxxx | 34343131 | xxxxxx | 09/08/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $405.00 exceeds tolerance of $264.00 plus 10% or $290.40. Insufficient or no cure was provided to the borrower. xxxxxx | Ten Percent Recording Fee Tolerance exceeded. Total amount of $405.00 exceeds tolerance of $264.00 plus 10% or $290.40. Insufficient or no cure was provided to the borrower. |  |  | Reviewer Comment (2025-09-19): SitusAMC received COC and LOE for increase in recording fee.<br>Reviewer Comment (2025-09-10): SitusAMC received Changed Circumstance dated xxxxxx , but it does not give sufficient information on what additional document needs to record that required to increase the recording fee. In order to determine if the changed circumstance is valid more information is necessary on reason for the fee increase and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. | 09/19/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 844270 | xxxxxx | 34393230 | xxxxxx | 09/10/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | Provide the deed transferring the property to the borrower only. Must be signed at or prior to closing. |  |  | Reviewer Comment (2025-09-17): Received Quit Claim deed transferring the property to borrower only. Exception cleared. | 09/17/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 844285 | xxxxxx | 34229611 | xxxxxx | 08/18/2025 | Credit | Guideline | Guideline Issue | Guideline | Borrower is a first time home buyer and ineligible per guidelines. | Borrower: xxxxxx | Borrower is a first time homebuyer which is ineligible for DSCR. Borrower is also a first time investor in which a first time investor must own a primary for 1 year. Borrower lives rent free. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | Reviewer Comment (2025-08-25): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-08-21): Lender would like to waive. Assigned to investor.<br>Reviewer Comment (2025-08-20): A first time investor and first time homebuyer are not the same thing. Only 1 borrower needs to meet the experience requirements, however neither can be a first time homebuyer per investor guidelines. |  |  | 08/25/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 844357 | xxxxxx | 34402220 | xxxxxx | 09/12/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx HOA Verification |  |  |  | Reviewer Comment (2025-09-17): Received HOA document. Exception cleared. | 09/17/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 844357 | xxxxxx | 34402290 | xxxxxx | 09/12/2025 | 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 xxxxxx , prior to three (3) business days from transaction date of xxxxxx . | Final CD reflects a disbursement date of xxxxxx which is the same as the RTC expiration date. If the disbursement date is incorrect, provide the final stamped settlement statement to support. |  |  | Reviewer Comment (2025-09-24): PC-CD and final stamped settlement statement provided updating disbursement date. Rescission met. | 09/24/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | 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 | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 844370 | xxxxxx | 34143183 | xxxxxx | 08/11/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Loan has a Prepayment Penalty and the Prepayment Penalty Rider is missing |  | The file is missing Prepayment Rider. Also provide updated Security Instrument reflecting Prepayment Rider checked and intent to re-record. Provide LOE to borrower, evidence of delivery to the borrower. |  |  | Reviewer Comment (2025-09-10): Received PPP Rider signed by borrower and non-borrower spouse. Exception cleared.<br>Reviewer Comment (2025-09-04): Received executed DOT and rider and evidence of delivery to borrower. However, PPP Rider is not executed by non-borrower spouse. Exception remains.<br>Reviewer Comment (2025-09-03): Received LOE to borrower and evidence of delivery to borrower however delivery status is not provided. Also, the file is missing revised DOT and Riders to be executed by borrower. Exception remains.<br>Reviewer Comment (2025-09-02): Received Lender's intent to re-record, revised DOT and Riders are not executed. Also, file is missing LOE and evidence of delivery to borrower. Exception remains.<br>Reviewer Comment (2025-08-14): The document provided is the Prepayment Addendum to Note which was already provided earlier. Kindly provide Prepayment Rider. Also provide updated Security Instrument reflecting Prepayment Rider checked and intent to re-record. Provide LOE to borrower, evidence of delivery to the borrower. Exception remains. | 09/10/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 844399 | xxxxxx | 34245813 | xxxxxx | 08/25/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  |  | Reviewer Comment (2025-09-03): Received Entity documents to verify the Entity was formed within 120 days of the Note date. Exception cleared. | 09/03/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 844399 | xxxxxx | 34251678 | xxxxxx | 08/25/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participants, unable to determine authorized signor for the seller to see if they were included in the report. |  |  | Reviewer Comment (2025-09-05): Received corporate resolution for seller and updated Fraud and OFAC search run on the seller. Exception cleared. | 09/05/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 844418 | xxxxxx | 34236085 | xxxxxx | 08/22/2025 | Credit | Guideline | Guideline Issue | Guideline | Experience level does not meet the guideline requirements for an experienced investor. |  | Per guidelines, first time investor's are required to own a primary residence for 1 year. Borrower has been living rent free for 6 months. Investor exception in file. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Credit Score 30+ points > minimum required | Reviewer Comment (2025-08-22): Client elects to waive with verified compensation factors |  |  | 08/22/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Purchase | B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 844441 | xxxxxx | 34152365 | xxxxxx | 08/11/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note date: xxxxxx; Lien Position: 1 |  |  |  | Reviewer Comment (2025-08-17): CDA received<br>Reviewer Comment (2025-08-14): CDA order has been placed. | 08/17/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | D B A | C | B D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 844441 | xxxxxx | 34152472 | xxxxxx | 08/11/2025 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  | Reviewer Comment (2025-08-17): Client elects to waive |  |  | 08/17/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | D B A | C | B D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 844441 | xxxxxx | 34152475 | xxxxxx | 08/11/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final xxxxxx) | Initial CD was not provided. Earliest CD provided is the final CD. |  |  | Reviewer Comment (2025-08-15): SitusAMC received CD dated xxxxxx <br>Reviewer Comment (2025-08-13): SitusAMC: Missing initial CD in file. Please provide copy of ICD for remediation. | 08/15/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | No Defined Cure B A | C | B D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 844441 | xxxxxx | 34208826 | xxxxxx | 08/14/2025 | Property | Valuation | General | Valuation | Valuation Product pending |  | xxxxxx / Collateral Desktop Analysis (CDA) - No MLS Sheets - 2 Days |  |  | Reviewer Comment (2025-08-17): CDA received<br>Reviewer Comment (2025-08-16): Valuation Received - xxxxxx  | 08/17/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | D B A | C | B D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 844444 | xxxxxx | 34313663 | xxxxxx | 09/03/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note date: xxxxxx; Lien Position: 1 |  |  |  | Reviewer Comment (2025-09-15): CDA provided | 09/15/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Investment | Purchase | D A | A | A D | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 844458 | xxxxxx | 34201326 | xxxxxx | 08/07/2025 | Credit | Investment Product | General | Investment Product | REO property does not have a lease in place and required by guidelines. | Address: xxxxxx | Lease agreement not provided. |  |  | Reviewer Comment (2025-08-12): Vacant and unleased properties meets guides for refinance transactions, exception cleared. | 08/12/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 844458 | xxxxxx | 34201328 | xxxxxx | 08/07/2025 | Credit | Credit | Credit Documentation | Credit | OFAC was not checked and required per guidelines. | Credit Report: Original // Borrower: xxxxxx | Background fraud report doesnt has the borrower's name |  |  | Reviewer Comment (2025-08-12): OFAC is within Fraud report which was provided, exception cleared. | 08/12/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 844458 | xxxxxx | 34201329 | xxxxxx | 08/07/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud report not provided, the first page is missing with the borrower's name. |  |  | Reviewer Comment (2025-08-12): Fraud report provided, exception cleared. | 08/12/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 844461 | xxxxxx | 34350679 | xxxxxx | 08/07/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year 1 Overdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of 6,624.00 on Final Closing Disclosure provided on xxxxxx are overdisclosed. (Final xxxxxx) | Non-escrowed HOA dues $460/mo. per 1073 but $552/mo. on final CD. |  |  | Reviewer Comment (2025-08-15): SitusAMC received HOA document and the property costs over year 1 disclosed correctly disclosed to the consumer. | 08/15/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure A | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 844461 | xxxxxx | 34350680 | xxxxxx | 08/07/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $78.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7520) | $70 cure provided on final CD is insufficient for overage. |  |  | Reviewer Comment (2025-08-28): Sufficient cure provided. Full cure amount for tolerance violation was provided before discovery (on PCCD) resulting in a cleared exception.<br>Reviewer Comment (2025-08-16): Exception remains. | 08/28/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 844461 | xxxxxx | 34350681 | xxxxxx | 08/07/2025 | 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 xxxxxx , prior to three (3) business days from transaction date of xxxxxx . |  |  |  | Reviewer Comment (2025-08-15): Client OK using final settlement statement for actual funding date. | 08/15/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 844461 | xxxxxx | 34350682 | xxxxxx | 08/28/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $78.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower. (7520) |  |  |  | Reviewer Comment (2025-08-28): Sufficient Cure Provided within 60 Days of Closing |  | 08/28/2025 |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) A | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 844462 | xxxxxx | 34147475 | xxxxxx | 07/29/2025 | Credit | Missing Document | General | Missing Document | Missing Document: 1007 Rent Comparison Schedule not provided |  |  |  |  | Reviewer Comment (2025-07-31): xxxxxx/AVM provided showing rental revenue, exception cleared. | 07/31/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 844467 | xxxxxx | 34198184 | xxxxxx | 07/28/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note date: xxxxxx; Lien Position: 1 | No LCA or CU scores provided, the Secondary valuation is required for securitization reasons. |  |  | Reviewer Comment (2025-08-08): xxxxxx CDA provided with same value of xxxxxx, exception cleared. | 08/08/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Investment | Purchase | D A | N/A | N/A D |  | N/A | No | Property Focused |
| xxxxxx | 844473 | xxxxxx | 34147482 | xxxxxx | 07/31/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Approved lender exception: Borrower has a foreclosure filed on title on xxxxxx : comp factors: Nice collateral and 0x30 on mortgage payment history. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>$29,647.10 in available reserves |  | Reviewer Comment (2025-07-30): Client elects for waive and downgrade based on the following compensating factors: <br> Guidelines Representative FICO: 620<br> Representative FICO: 675<br> Borrower has nice collateral and 0x30 payments 15 months. |  |  | 07/30/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 844474 | xxxxxx | 34180527 | xxxxxx | 07/30/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Missing fraud report/background check for all the guarantors |  |  | Reviewer Comment (2025-08-05): A fraud report/background check was provided. | 08/05/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 844475 | xxxxxx | 34254495 | xxxxxx | 08/13/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided |  |  |  |  | Reviewer Comment (2025-08-18): Fraud report provided | 08/18/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 844475 | xxxxxx | 34254496 | xxxxxx | 08/13/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  | Reviewer Comment (2025-08-18): Client Ok with xxxxxx in file | 08/18/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 844475 | xxxxxx | 34254497 | xxxxxx | 08/13/2025 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  |  |  |  | Reviewer Comment (2025-08-18): OFAC in file | 08/18/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 844478 | xxxxxx | 34201330 | xxxxxx | 08/08/2025 | Credit | Investment Product | General | Investment Product | REO property does not have a lease in place and required by guidelines. | Address: xxxxxx | Lease agreement is not provided in file, property is Tenant occupied |  |  | Reviewer Comment (2025-08-12): There is an LOE in the file stating that the is no lease agreement because the property is used for short term rentals. | 08/12/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 844479 | xxxxxx | 34180525 | xxxxxx | 07/28/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  |  |  |  | Reviewer Comment (2025-08-06): Not required, exception cleared. | 08/06/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 844489 | xxxxxx | 34198186 | xxxxxx | 08/06/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | Articles of organization/formation is missing in file. |  |  | Reviewer Comment (2025-08-08): Articles of Organization/Formation provided, exception cleared. | 08/08/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 844489 | xxxxxx | 34198187 | xxxxxx | 08/06/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Approved Lender exception which was approved to a Non-warrantable condo with greater than 51% investor concentration. Per xxxxxx questionnaire, primary resident and second home percentage statns at 1xxxxxx%. Comp factors are FICO at 795, borrower has 6 months reserves. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: 680<br> Representative FICO: 795 | Reviewer Comment (2025-08-06): Client elects to waive and downgrade based on the following compensating factors: <br> Guidelines Representative FICO: 680<br> Representative FICO: 795<br>Borrower has 6 months reserves,<br> Guideline requires no reserves. |  |  | 08/06/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 844497 | xxxxxx | 34201333 | xxxxxx | 08/08/2025 | Credit | Investment Product | General | Investment Product | REO property does not have a lease in place and required by guidelines. | Address: xxxxxx | Lease agreement is not provided in file, Property is Tenant Occupied |  |  | Reviewer Comment (2025-08-12): Lease provided, exception cleared. | 08/12/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 844497 | xxxxxx | 34201335 | xxxxxx | 08/08/2025 | Credit | Credit | Credit Documentation | Credit | OFAC was not checked and required per guidelines. | Credit Report: Original // Borrower: xxxxxx | OFAC was not provided in file |  |  | Reviewer Comment (2025-08-12): OFAC within Fraud report, exception cleared. | 08/12/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 844497 | xxxxxx | 34201336 | xxxxxx | 08/08/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  | Reviewer Comment (2025-08-12): Fraud report provided, exception cleared. | 08/12/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 844497 | xxxxxx | 34201337 | xxxxxx | 08/08/2025 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  |  |  |  | Reviewer Comment (2025-08-12): OFAC search withing Fraud report provided, exception cleared. | 08/12/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 844498 | xxxxxx | 34215787 | xxxxxx | 08/12/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Statement |  |  |  | Reviewer Comment (2025-08-14): FPL provided and cleared.<br>Reviewer Comment (2025-08-13): Appears xxxxxx may be a new purchase or refi. If so, please provide Closing disclosure that reflects PITI. | 08/14/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 844498 | xxxxxx | 34215788 | xxxxxx | 08/12/2025 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  | Reviewer Comment (2025-08-13): Lender doesn't provide initial 1003 | 08/13/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Investment | Purchase | C B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 844498 | xxxxxx | 34215790 | xxxxxx | 08/12/2025 | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | Evidence of earlier receipt not provided in file. |  |  | Reviewer Comment (2025-08-13): Waived |  |  | 08/13/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Purchase | C B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 844498 | xxxxxx | 34215791 | xxxxxx | 08/12/2025 | Compliance | Compliance | Federal Compliance | RESPA | Missing Final HUD-1 RESPA Investment Occupancy No Business Purpose Cert (Not subject to APL) | RESPA: Missing Final HUD-1 Title Co. Closing Statement used to source fees. Investment occupancy witrh no business purpose cert in file. Loan is not subject to APL tests in scope requiring points and fees. |  |  |  | Reviewer Comment (2025-08-13): The Final Settlement Statement was provided. | 08/13/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Investment | Purchase | C B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 844509 | xxxxxx | 34551508 | xxxxxx | 09/29/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Address: xxxxxx Insurance Verification, Statement<br> Insurance Verification, Other, Statement | Borrower recently purchase the following properties. Provide the final closing disclosure / first payment letter to verify PITIA or proof of insurance and P&I (also any HOA, if applicable). |  |  | Reviewer Comment (2025-10-03): Received First payment letter, Closing Disclosure/Closing Statement, and HOA document for both properties. Exception cleared. | 10/03/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 844509 | xxxxxx | 34551541 | xxxxxx | 09/29/2025 | Credit | Employment | Miscellaneous | Employment | The verification of employment was not obtained within 10 days of the note date. | Borrower: xxxxxx // Employment Type: Employment / Income Type: Wages / Start date: xxxxxx | Provide the VVOE dated within 10 days prior to the Note date or a paystub dated within 30 days prior to the Note date for xxxxxx. |  |  | Reviewer Comment (2025-10-07): Received VVOE dated within 10 days prior to the Note date. Exception cleared.<br>Reviewer Comment (2025-10-03): Received post closing Work Number. Provide the VVOE dated within 10 days prior to the Note date or a paystub dated within 30 days prior to the Note date. Exception remains. | 10/07/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 844509 | xxxxxx | 34551595 | xxxxxx | 09/29/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Mortgage lien for the property located at xxxxxx is not reported on credit report. The file contains 7 months of loan payment history from the creditor/servicer. Per guidelines, provide 12-months loan payment history from the creditor/servicer along with proof of borrower's payment for the most recent 6-months and a copy of the Note or Mortgage Statement. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | Reviewer Comment (2025-10-03): Client elects to waive with verified compensation factors |  |  | 10/03/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Purchase | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 844509 | xxxxxx | 34582444 | xxxxxx | 09/29/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participants, authorized signor for seller, xxxxxx, was not included in the report. |  |  | Reviewer Comment (2025-10-03): Received updated Fraud report. Fraud and OFAC search run on the seller. Exception cleared. | 10/03/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 844509 | xxxxxx | 34587616 | xxxxxx | 09/29/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Other | Concurrent closing with subject property. Recently refinanced. Provide evidence of the new PITIA. |  |  | Reviewer Comment (2025-10-03): Received Final Closing Disclosure to verify new PITIA. Exception cleared. | 10/03/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 844509 | xxxxxx | 34587617 | xxxxxx | 09/29/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | The subject property subject property interior / exterior and comparable photos are missing as well as appraisal is not signed by the appraiser from the most recent appraisal with a completion date of xxxxxx . |  |  | Reviewer Comment (2025-10-01): Received appraisal with a completion date of xxxxxx with all photos. Exception cleared. | 10/01/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Investment | Purchase | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 844509 | xxxxxx | 34587618 | xxxxxx | 09/29/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Provide the signed and dated 2024 tax returns as rental income was utilized to qualify. |  |  | Reviewer Comment (2025-10-03): Received signed and dated 1040 for 2024. Exception cleared. | 10/03/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 844516 | xxxxxx | 34260681 | xxxxxx | 08/22/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx Evidence active for 2 years | The tax preparer does not verify the start date of the business; only that it is open and active as of the date of the letter. The business listing search does not verify a start date either. Per guidelines, the business being used to source income must be in existence for a minimum of two (2) years as evidenced by one of the following:<br> o CPA Letter, or<br> o Business License, or<br> o Other reasonable evidence of business activity. |  |  | Reviewer Comment (2025-09-04): Business entity search provided with state date. > 2 years open and active. | 09/04/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844516 | xxxxxx | 34260690 | xxxxxx | 08/22/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | The tax preparer does not verify the start date of the business; only that it is open and active as of the date of the letter. The business listing search does not verify a start date either. Per guidelines, the business being used to source income must be in existence for a minimum of two (2) years as evidenced by one of the following:<br> o CPA Letter, or<br> o Business License, or<br> o Other reasonable evidence of business activity. |  |  | Reviewer Comment (2025-09-04): Business entity search provided with state date. > 2 years open and active. | 09/04/2025 |  |  | 1 | B A C | B A C | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 844516 | xxxxxx | 34260691 | xxxxxx | 08/22/2025 | 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. | The tax preparer does not verify the start date of the business; only that it is open and active as of the date of the letter. The business listing search does not verify a start date either. Per guidelines, the business being used to source income must be in existence for a minimum of two (2) years as evidenced by one of the following:<br> o CPA Letter, or<br> o Business License, or<br> o Other reasonable evidence of business activity. |  |  | Reviewer Comment (2025-09-04): Business entity search provided with state date. > 2 years open and active. | 09/04/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844521 | xxxxxx | 34444255 | xxxxxx | 09/16/2025 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  | Reviewer Comment (2025-09-15): Client elects to waive |  |  | 09/15/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844521 | xxxxxx | 34444258 | xxxxxx | 09/16/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $1,875.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7200) | Cure nor valid COC provided |  |  | Reviewer Comment (2025-09-17): Situsamc Received Valid COC DATED xxxxxx . | 09/17/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 844527 | xxxxxx | 34425231 | xxxxxx | 09/16/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  |  | Reviewer Comment (2025-09-22): Received Credit Report gap dated xxxxxx . Exception cleared. | 09/22/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | D B C | C | B D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 844527 | xxxxxx | 34425616 | xxxxxx | 09/16/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $750.00 exceeds tolerance of $650.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  |  | Reviewer Comment (2025-09-11): Sufficient Cure Provided At Closing |  | 09/11/2025 |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure B | C | B D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 844527 | xxxxxx | 34425658 | xxxxxx | 09/16/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Taxes, Insurance And Assessments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xxxxxx disclosed an Estimated Taxes, Insurance, and Assessments payment that does not match the actual payment for the loan. (Final xxxxxx) | Estimated taxes, insurance and assessments not reflected on Final CD |  |  | Reviewer Comment (2025-10-01): SitusAMC received Letter of Explanation & Corrected Closing Disclosure.<br>Reviewer Comment (2025-09-25): Situsamc Received Corrected PCCD; however, LOE to borrower not received. Also, unable to verify Insurance amount from policy as premium is missing. Provide LOE to borrower and Insurance policy with premium amount. Exception will be re-evaluated once requested docs are received. |  | 10/01/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | C | B D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 844527 | xxxxxx | 34425659 | xxxxxx | 09/16/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Property Costs Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxxxx did not disclose Estimated Property Costs over Year 1 for loan with no escrow account established. (Final xxxxxx) | Non-escrowed property costs over 1 year not specified on final CD |  |  | Reviewer Comment (2025-10-01): SitusAMC received Letter of Explanation & Corrected Closing Disclosure.<br>Reviewer Comment (2025-09-25): Situsamc Received Corrected PCCD; however, LOE to borrower not received. Also, unable to verify Insurance amount from policy as premium is missing. Provide LOE to borrower and Insurance policy with premium amount. Exception will be re-evaluated once requested docs are received. |  | 10/01/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B | C | B D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 844527 | xxxxxx | 34425660 | xxxxxx | 09/16/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxxxx incorrectly disclosed whether the loan will have an escrow account. (Final xxxxxx) | Reason escrow not established not specified on CD |  |  | Reviewer Comment (2025-10-01): SitusAMC received Letter of Explanation & Corrected Closing Disclosure.<br>Reviewer Comment (2025-09-25): Situsamc Received Corrected PCCD; however, LOE to borrower not received. Also, unable to verify Insurance amount from policy as premium is missing. Provide LOE to borrower and Insurance policy with premium amount. Exception will be re-evaluated once requested docs are received. |  | 10/01/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B | C | B D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 844527 | xxxxxx | 34425671 | xxxxxx | 09/16/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. . Sec ID: 128 | Note date: xxxxxx; Lien Position: 2 |  |  |  | Reviewer Comment (2025-09-25): CDA provided | 09/25/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Primary | Purchase | D B C | C | B D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 844527 | xxxxxx | 34425686 | xxxxxx | 09/16/2025 | Credit | Employment | Miscellaneous | Employment | The verification of employment was not obtained within 10 days of the note date. | Borrower: xxxxxx // Employment Type: Employment / Income Type: Wages / Start date: xxxxxx | VVOE is dated > 10 days prior to closing and paystub is dated > 30 days prior to closing |  |  | Reviewer Comment (2025-09-18): TWN dated within 10 days prior to closing was provided | 09/18/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | D B C | C | B D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 844527 | xxxxxx | 34476106 | xxxxxx | 09/16/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Simultaneous Purchase, First Lien must be an Agency-eligible loan. 1008 notes not AUS approved for 1st mortgage due to being assumed with seller servicer. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | Reviewer Comment (2025-10-01): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-09-24): None of the documents clear this condition. The simultaneous loan that is being assumed is a xxxxxx loan. The document provided is a report and certification of loan disbursement. The document provided is from that loan. The approved AUS from the simultaneous lien needs to be provided to support the first lien is Agency-eligible. |  |  | 10/01/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Purchase | D B C | C | B D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 844527 | xxxxxx | 34476167 | xxxxxx | 09/16/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Mortgage Statement(s) not provided |  | Provide the recent mortgage statement for the assumed first lien. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | Reviewer Comment (2025-10-03): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-10-01): The guidelines for CES require a copy of the most recent mortgage statement. If this cannot be obtained then the investor can elect to waive with verified compensation factors.<br>Reviewer Comment (2025-09-24): None of the documents provided clear this condition. The recent mortgage statement from the assumed mortgage is required.<br>Reviewer Comment (2025-09-22): Requested document was not provided, received Bank statement that reflects HELOC account. However that document requested is for the recent mortgage statement for the assumed first lien. Exception remains. |  |  | 10/03/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Purchase | D B C | C | B D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 844527 | xxxxxx | 34476212 | xxxxxx | 09/16/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide approval from the xxxxxx to assume loan. Per xxxxxx rider, loan is not assumable without the approval of the xxxxxx. |  |  | Reviewer Comment (2025-09-26): Assumption Approval was provided<br>Reviewer Comment (2025-09-24): None of the documents clear this condition. The simultaneous loan that is being assumed is a xxxxxx loan. The document provided is a report and certification of loan disbursement. The document provided is from that loan. Approval from the xxxxxx to assume the first lien loan must be provided. | 09/26/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | D B C | C | B D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 844528 | xxxxxx | 34254784 | xxxxxx | 08/26/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | HOI reflects Unit xxxxxx vs. Note which does not. |  |  | Reviewer Comment (2025-09-15): Updated HOI provided<br>Reviewer Comment (2025-09-10): The updated dec page provided does not reflect the mortgagee + ISAOA. | 09/15/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 844555 | xxxxxx | 34269974 | xxxxxx | 08/22/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Provide the updated 1003. Per the credit report and property profile report xxxxxx does not have any vested interest in the primary residence. |  |  | Reviewer Comment (2025-08-27): Updated 1003 provided | 08/27/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 844555 | xxxxxx | 34270048 | xxxxxx | 08/22/2025 | Credit | Guideline | Guideline Issue | Guideline | Borrower is a first time home buyer and ineligible per guidelines. | Borrower: xxxxxx | xxxxxx is a first time home buyer and first time investor. Borrower has no vested interest in the primary residence and owns no other properties. Per guidelines, only 1 borrower needs to meet the experience requirements, however no borrower can be a first time home buyer on DSCR. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | Reviewer Comment (2025-08-28): Client elects to waive with verified compensation factors |  |  | 08/28/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 844580 | xxxxxx | 34374530 | xxxxxx | 09/10/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a xxxxxx/xxxxxx form and does not contain the following clauses: | Homestead Exemption Waiver |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | Reviewer Comment (2025-09-09): Client elects to waive |  |  | 09/09/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844580 | xxxxxx | 34374558 | xxxxxx | 09/10/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | A gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 30- days prior to loan closing or any time after closing. |  |  | Reviewer Comment (2025-09-17): Received Gap Credit Report. Exception cleared. | 09/17/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844580 | xxxxxx | 34374591 | xxxxxx | 09/10/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Taxes, Insurance And Assessments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xxxxxx disclosed an Estimated Taxes, Insurance, and Assessments payment that does not match the actual payment for the loan. (Final xxxxxx) | Page 1 and page 4 do not reflect the estimated taxes, insurance and assessments. |  |  | Reviewer Comment (2025-09-19): SitusAMC received Letter of Explanation and Corrected CD.<br>Reviewer Comment (2025-09-18): SitusAMC received Post CD. However, we would require LOX to the borrower in order to cure the exception. |  | 09/19/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 844580 | xxxxxx | 34374592 | xxxxxx | 09/10/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Underdisclosed - xxxxxx | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of on Final Closing Disclosure provided on xxxxxx are underdisclosed (Final xxxxxx) | Page 1 and page 4 do not reflect the estimated taxes, insurance and assessments. |  |  | Reviewer Comment (2025-09-19): SitusAMC received Letter of Explanation & Corrected Closing Disclosure.<br>Reviewer Comment (2025-09-18): SitusAMC received Post CD. However, we would require LOX to the borrower in order to cure the exception.<br>Reviewer Comment (2025-09-17): SitusAMC received Post CD. However, would also require LOX to the borrower in order to cure the exception. |  | 09/19/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 844580 | xxxxxx | 34374593 | xxxxxx | 09/10/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Property Costs Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxxxx did not disclose Estimated Property Costs over Year 1 for loan with no escrow account established. (Final xxxxxx) | Page 4 does not disclose the amount of estimated property costs over year 1. |  |  | Reviewer Comment (2025-09-19): SitusAMC received Letter of Explanation & Corrected Closing Disclosure.<br>Reviewer Comment (2025-09-17): SitusAMC received Post CD. However, would also require LOX to the borrower in order to cure the exception. |  | 09/19/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 844580 | xxxxxx | 34374594 | xxxxxx | 09/10/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxxxx incorrectly disclosed whether the loan will have an escrow account. (Final xxxxxx) | The reason for not having an escrow account is not listed on the Final Closing Disclosure. |  |  | Reviewer Comment (2025-09-19): SitusAMC received Letter of Explanation & Corrected Closing Disclosure.<br>Reviewer Comment (2025-09-17): SitusAMC received Post CD. However, would also require LOX to the borrower in order to cure the exception. |  | 09/19/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 844580 | xxxxxx | 34374595 | xxxxxx | 09/10/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (Initial xxxxxx) | The file is missing a copy of the initial Loan Estimate. |  |  | Reviewer Comment (2025-09-17): SitusAMC received initial LE. | 09/17/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844580 | xxxxxx | 34374616 | xxxxxx | 09/10/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $7,163.98 exceeds tolerance of $6,821.00. Insufficient or no cure was provided to the borrower. (7200) | The Loan Discount Points Fee increased from $6,821.00 on the Loan Estimate dated xxxxxx to $7,163.98 on the initial Closing Disclosure without a valid change of circumstance. |  |  | Reviewer Comment (2025-09-19): SitusAMC received a valid COC.<br>Reviewer Comment (2025-09-17): SitusAMC received COC dated xxxxxx However, the fee has been increased on CD dated xxxxxx for xxxxxx. Kindly provide a valid COC for the fee increased or provide cure docs. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing. | 09/19/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 844580 | xxxxxx | 34375619 | xxxxxx | 09/10/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided |  | The senior lien Note from xxxxxx from xxxxxx was not provided (per title report). The Note provided is from the previous senior lien with xxxxxx reflecting as closed on the credit report. |  |  | Reviewer Comment (2025-09-17): Received Senior lien Note from xxxxxx dated xxxxxx . Exception cleared. | 09/17/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844580 | xxxxxx | 34394644 | xxxxxx | 09/10/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Desk Review not provided |  | An appraisal review short form was provided which is not an acceptable secondary product per guidelines. |  |  | Reviewer Comment (2025-09-16): CDA provided | 09/16/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844580 | xxxxxx | 34430262 | xxxxxx | 09/12/2025 | Property | Valuation | General | Valuation | Valuation Product pending |  | xxxxxx / Collateral Desktop Analysis (CDA) - No MLS Sheets - 2 Days |  |  | Reviewer Comment (2025-09-16): CDA provided<br>Reviewer Comment (2025-09-15): Valuation Received - xxxxxx  | 09/16/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844586 | xxxxxx | 34262979 | xxxxxx | 08/26/2025 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) xxxxxx Subprime Loan (Counseling Disclosure Not Provided) | xxxxxx Subprime Loan: Counseling Disclosure not provided to borrower. |  |  |  | Reviewer Comment (2025-08-25): Client elects to waive |  |  | 08/25/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Purchase | No obvious cure C B | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844586 | xxxxxx | 34262980 | xxxxxx | 08/26/2025 | Compliance | Compliance | State Compliance | State HPML | xxxxxx Subprime Home Loan Threshold Fixed Non-Compliant | xxxxxx Subprime Loan: APR on subject loan of 8.57110% or Final Disclosure APR of 8.63100% is in excess of allowable threshold of Prime Mortgage Market Rate 6.72000 + 1.75%, or 8.47000%. Non-Compliant SubPrime Loan. |  |  |  | Reviewer Comment (2025-08-25): Client elects to waive |  |  | 08/25/2025 | 2 | B | B | xxxxxx | xxxxxx | 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. | B | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 844586 | xxxxxx | 34263045 | xxxxxx | 08/26/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003/Declarations: F. Are you a co-signer or guarantor on any debt or loan that is not disclosed on this application? reflects Yes. Missing documented and/or does not meet guideline requirements. | Borrower: xxxxxx | Provide supporting document to verify undisclosed debt as final 1003 declaration section F. checked as Yes. |  |  | Reviewer Comment (2025-09-09): Received corrected 1003 with correct declaration section. Exception remains.<br>Reviewer Comment (2025-09-03): Received email from borrower. Therefore, provide corrected 1003 with correct declaration. Exception remains. | 09/09/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844586 | xxxxxx | 34263054 | xxxxxx | 08/26/2025 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  |  | Reviewer Comment (2025-08-28): E-consent provided | 08/28/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844586 | xxxxxx | 34263061 | xxxxxx | 08/26/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 2.23 is less than Guideline PITIA months reserves of 3.00. | Investor exception provided for the insufficient reserves. | Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Credit Score 30+ points > minimum required | Reviewer Comment (2025-08-25): Client elects to waive with verified compensation factors |  |  | 08/25/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844605 | xxxxxx | 34254565 | xxxxxx | 08/25/2025 | 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 xxxxxx , prior to three (3) business days from transaction date of xxxxxx . | The Final CD reflects a disbursement date prior to RTC expiration. If disbursement date is incorrect, provide the final stamped settlement statement to support. |  |  | Reviewer Comment (2025-08-28): Final stamped settlement statement provided with correct disbursement date. Rescission met. | 08/28/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B C | C | A D B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 844605 | xxxxxx | 34254639 | xxxxxx | 08/25/2025 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: 53 | Note date: xxxxxx; Lien Position: 2 |  |  |  | Reviewer Comment (2025-09-02): Secondary AVM provided<br>Reviewer Comment (2025-08-28): A secondary valuation is required for securitization and it is reflected in the guidelines for secondary valuations for closed end seconds. Review page 163 of the investor guidelines under 3.15.3 Appraisal Review Products 1-4 Residential Property.<br>Reviewer Comment (2025-08-28): The property condition report was in file at time of review and is not a secondary valuation. This is along the lines of a PDI. Provide the acceptable secondary valuation. | 09/02/2025 |  |  | 1 | N/A | N/A D | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | C | A D B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 844605 | xxxxxx | 34254640 | xxxxxx | 08/25/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note date: xxxxxx; Lien Position: 2 | Two AVMs were used for value dated prior to closing, and this is acceptable per the guidelines. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | Reviewer Comment (2025-08-25): Client elects to waive |  |  | 08/25/2025 | 2 | A | A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | C | A D B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 844605 | xxxxxx | 34279814 | xxxxxx | 08/25/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | HOA Error: HOA dues not provided. |  |  |  |  | Reviewer Comment (2025-08-28): HOA dues provided | 08/28/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | C | A D B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 844607 | xxxxxx | 34404467 | xxxxxx | 09/15/2025 | 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 xxxxxx disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/2933432) | Difference was the earlier initial hazard premium. |  |  | Reviewer Comment (2025-09-17): SitusAMC received PCCD and LOE. |  | 09/17/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 844607 | xxxxxx | 34404482 | xxxxxx | 09/15/2025 | 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 xxxxxx disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. (Final xxxxxx) | The Final Closing Disclosure provided on xxxxxx disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. Difference was the earlier initial hazard premium. |  |  | Reviewer Comment (2025-09-17): SitusAMC received PCCD and LOE. |  | 09/17/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation notifying borrower or error and Corrected CD B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 844607 | xxxxxx | 34404508 | xxxxxx | 09/15/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial xxxxxx) | Evidence of earlier receipt not provided |  |  | Reviewer Comment (2025-09-17): SitusAMC received xxxxxx CD 3 business days prior to consummation. | 09/17/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | No Defined Cure B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 844608 | xxxxxx | 34210361 | xxxxxx | 08/19/2025 | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | Notice of Special Flood Hazard Disclosure was not provided to the borrower at the time of application. |  |  | Reviewer Comment (2025-08-19): Client elects to waive |  |  | 08/19/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B | B | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 844608 | xxxxxx | 34240022 | xxxxxx | 08/19/2025 | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | There is a 2024 K-1 in file that reflects income that does not support the bank statement income. Client requested their review and comments be added to the condition for additional support of exception: The K-1 in question is from 2024 and the bank statement period is 7/2023 – 6/2025. If we replace the 12 months of 2024 deposits with the K-1 income amount ($56,215 + distribution $139,771 = $195,986) and use the average bank statement deposits for the remaining 12 months, the loan will qualify and total income would be $25,264 (43% DTI) vs. $36,680.77 (29.4% DTI) average from the 24 months bank statements. | Borrower has verified disposable income of at least $2500.00.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | Reviewer Comment (2025-09-09): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-08-21): On a bank statement loan, business return income should not be included in the file as it is indicative of the actual income. The K-1 was provided and does not support the income. Investor can elect to waive with verified compensation factors. |  |  | 09/09/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B | B | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 844608 | xxxxxx | 34240068 | xxxxxx | 08/19/2025 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Flood Insurance Policy not provided |  | The Flood Insurance Policy does not reflect the current mortgagee + ISAOA. |  |  | Reviewer Comment (2025-09-15): Received updated Flood Insurance Policy reflecting the current mortgagee + ISAOA. Exception cleared. | 09/15/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | B | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 844628 | xxxxxx | 34357553 | xxxxxx | 09/09/2025 | Credit | Guideline | Guideline Issue | Guideline | More than 3 NSFs/Overdraft Transfers occurred in the most recent 12-month period. |  | There are 2 NSF's in the last 3 months, with a total of 7 NSF's in last 12 month period which exceeds the max. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | Reviewer Comment (2025-09-15): Client elects to waive with verified compensation factors |  |  | 09/15/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Purchase | C B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 844650 | xxxxxx | 34232315 | xxxxxx | 08/21/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | HOA project is involved in litigation. |  | The litigation appears to be related to a traffic incident involving a vehicle that was in the name of the association | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | Reviewer Comment (2025-09-23): Client elects to waive with verified compensation factors. Per the Client, Litigation does not apply to the subject or borrower and is not structural.<br>Reviewer Comment (2025-09-18): Regardless of what the litigation is for, this is an RA requirement and will require an investor exception. |  |  | 09/23/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 844655 | xxxxxx | 34396478 | xxxxxx | 09/12/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: AVM / Valuation Report date: xxxxxx | Provided AVM document in file reflects the subject address as xxxxxx vs Note address reflects as xxxxxx. Provide an updated AVM report reflecting/matching the note address. |  |  | Reviewer Comment (2025-10-06): Higher tiered product (CDA) provided in lieu of corrected AVM. Value supported. AVM does not need to be updated any longer.<br>Reviewer Comment (2025-09-16): The LOE is not sufficient. All addresses must match. | 10/06/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 844659 | xxxxxx | 34369662 | xxxxxx | 09/10/2025 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  | Reviewer Comment (2025-09-09): Client elects to waive |  |  | 09/09/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844659 | xxxxxx | 34369886 | xxxxxx | 09/10/2025 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  | Reviewer Comment (2025-09-09): Client elects to waive |  |  | 09/09/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844659 | xxxxxx | 34369959 | xxxxxx | 09/10/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $6,437.50 exceeds tolerance of $4,748.00 plus 10% or $5,222.80. Insufficient or no cure was provided to the borrower. xxxxxx | 10% fee violation due to an increase in the Title-Lender's Title Insurance fee(s). No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $1,690.00, a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  |  | Reviewer Comment (2025-09-19): SitusAMC received SSPL and the fees are within tolerance limit.<br>Reviewer Comment (2025-09-18): SitusAMC received rebuttal. The file does not contain a Settlement Service Providers List. The SSPL is necessary to determine the tolerance and whether the borrower shopped for services. | 09/19/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 844659 | xxxxxx | 34369965 | xxxxxx | 09/10/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Settlement Service Provider Status | TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers. | Borrower not provided with list of service providers. |  |  | Reviewer Comment (2025-09-19): SitusAMC received SSPL. | 09/19/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844659 | xxxxxx | 34369979 | xxxxxx | 09/10/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Contact Information - Lender | TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xxxxxx did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name, Contact NMLS ID). (Final xxxxxx) | Corrected on PC-CD. Pending receipt of LOE to borrower. |  |  | Reviewer Comment (2025-09-17): Corrected CD provide prior to reporting |  | 09/17/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 844659 | xxxxxx | 34370033 | xxxxxx | 09/10/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx P&L Statement | YTD P&L not provided and personal and business returns are not signed and dated by the borrower. |  |  | Reviewer Comment (2025-09-11): Per client, should have been reviewed to bank statements vs. returns. Re-reviewed to bank statements. Condition no longer applies. | 09/11/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844659 | xxxxxx | 34370117 | xxxxxx | 09/10/2025 | 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. | YTD P&L not provided and personal and business returns are not signed and dated by the borrower. |  |  | Reviewer Comment (2025-09-11): Per client, should have been reviewed to bank statements vs. returns. Re-reviewed to bank statements. Condition no longer applies. | 09/11/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844659 | xxxxxx | 34376927 | xxxxxx | 09/10/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments Estimated Taxes, Insurance, & Assessments: Final Closing Disclosure provided on xxxxxx disclosed whether insurance is included in escrow in incorrect section. Creditor disclosed insurance cost to consumer in "Other" section where regulation requires insurance to be disclosure under "Homeowner's Insurance" section. Disclosure requirement met, non-material exception for incorrect format/placement. (Final xxxxxx) | Other on CD shows insurance. |  |  | Reviewer Comment (2025-09-09): Client elects to waive |  |  | 09/09/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Purchase | Good Faith Redisclosure C B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 844659 | xxxxxx | 34376949 | xxxxxx | 09/10/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx or xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  | Reviewer Comment (2025-09-15): Received Title Supplement. Exception cleared. | 09/15/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844659 | xxxxxx | 34393719 | xxxxxx | 09/10/2025 | 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. | YTD P&L not provided and personal and business returns are not signed and dated by the borrower. |  |  | Reviewer Comment (2025-09-11): Per client, should have been reviewed to bank statements vs. returns. Re-reviewed to bank statements. Condition no longer applies. | 09/11/2025 |  |  | 1 | B A C | B A C | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM status C B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 844659 | xxxxxx | 34393720 | xxxxxx | 09/10/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - S-Corp | Ability to Repay (Dodd-Frank 2014): Unable to verify S-Corp income using reasonably reliable third-party records. (xxxxxx/S-Corp) | YTD P&L not provided and personal and business returns are not signed and dated by the borrower. |  |  | Reviewer Comment (2025-09-11): Per client, should have been reviewed to bank statements vs. returns. Re-reviewed to bank statements. Condition no longer applies. | 09/11/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844659 | xxxxxx | 34393721 | xxxxxx | 09/10/2025 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | YTD P&L not provided and personal and business returns are not signed and dated by the borrower. |  |  | Reviewer Comment (2025-09-11): Per client, should have been reviewed to bank statements vs. returns. Re-reviewed to bank statements. Condition no longer applies. | 09/11/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844659 | xxxxxx | 34394868 | xxxxxx | 09/10/2025 | Compliance | Compliance | Miscellaneous Compliance | Missing Application Date | Alternate source used for application date |  | Application date taken from fraud report. |  |  | Reviewer Comment (2025-09-09): Client elects to waive |  |  | 09/09/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844659 | xxxxxx | 34414338 | xxxxxx | 09/11/2025 | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | 2 years personal and business returns were provided in the loan file for xxxxxx and loan was qualified off of bank statements. Personal and Business returns should not be in file on a bank statement loan. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | Reviewer Comment (2025-09-15): Client elects to waive with verified compensation factors. Allowed to qualify using 12-month bank statements for both B1 and B2. The last 12 months of bank statements for B2 reflect consistent cash flow with positive ending balances. Additionally, removing B2 income altogether and DTI would be < 49% |  |  | 09/15/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844689 | xxxxxx | 34283095 | xxxxxx | 08/29/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | The DTI exceeded guidelines as the debt for the property was not included for the REO on xxxxxx. The Note is executed by the Trust, however the borrower is paying the debt out of their personal account. |  |  | Reviewer Comment (2025-09-18): Received the xxxxxx business bank statements to utilize in lieu of xxxxxx . DTI is now within guidelines.<br>Reviewer Comment (2025-09-11): Excluded xxxxxx and xxxxxx as 6 months bank statements reflect paid by the business (which meets guideline requirements). However, DTI is still excessive at 50.05764%.<br>Reviewer Comment (2025-09-09): The LOE is not acceptable. If calculations are needed, please reach out to the investor to obtain figures. As noted in the condition, the lender did not include the REO debt on xxxxxx. The borrower is paying this out of their personal account, therefore it should have been included in the ratios. | 09/18/2025 |  |  | 1 | B A C | B A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 844689 | xxxxxx | 34283098 | xxxxxx | 08/29/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 62.90045% significantly exceeds the guideline maximum of 50.00%. (DTI Exception requires compelling compensating factors to consider regrading to xxxxxx.) | The DTI exceeded guidelines as the debt for the property was not included for the REO on xxxxxx. The Note is executed by the Trust, however the borrower is paying the debt out of their personal account. |  |  | Reviewer Comment (2025-09-18): Received the xxxxxx business bank statements to utilize in lieu of xxxxxx . DTI is now within guidelines.<br>Reviewer Comment (2025-09-11): Excluded xxxxxx and xxxxxx as 6 months bank statements reflect paid by the business (which meets guideline requirements). However, DTI is still excessive at 50.05764%.<br>Reviewer Comment (2025-09-09): The LOE is not acceptable. If calculations are needed, please reach out to the investor to obtain figures. As noted in the condition, the lender did not include the REO debt on xxxxxx. The borrower is paying this out of their personal account, therefore it should have been included in the ratios. | 09/18/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844689 | xxxxxx | 34283099 | xxxxxx | 08/29/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 50.05764% exceeds Guideline total debt ratio of 50.00000%. | The DTI exceeded guidelines as the debt for the property was not included for the REO on xxxxxx. The Note is executed by the Trust, however the borrower is paying the debt out of their personal account. |  |  | Reviewer Comment (2025-09-18): Received the xxxxxx business bank statements to utilize in lieu of xxxxxx . DTI is now within guidelines.<br>Reviewer Comment (2025-09-11): Excluded xxxxxx and xxxxxx as 6 months bank statements reflect paid by the business (which meets guideline requirements). However, DTI is still excessive at 50.05764%.<br>Reviewer Comment (2025-09-11): EXCEPTION HISTORY - Exception Explanation was updated on xxxxxx PRIOR Exception Explanation: Calculated investor qualifying total debt ratio of 62.90045% exceeds Guideline total debt ratio of 50.00000%.<br>Reviewer Comment (2025-09-09): The LOE is not acceptable. If calculations are needed, please reach out to the investor to obtain figures. As noted in the condition, the lender did not include the REO debt on xxxxxx. The borrower is paying this out of their personal account, therefore it should have been included in the ratios. | 09/18/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844689 | xxxxxx | 34283106 | xxxxxx | 08/29/2025 | 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. | The DTI exceeded guidelines as the debt for the property was not included for the REO on xxxxxx. The Note is executed by the Trust, however the borrower is paying the debt out of their personal account. |  |  | Reviewer Comment (2025-09-18): Received the xxxxxx business bank statements to utilize in lieu of xxxxxx . DTI is now within guidelines.<br>Reviewer Comment (2025-09-11): Excluded xxxxxx and xxxxxx as 6 months bank statements reflect paid by the business (which meets guideline requirements). However, DTI is still excessive at 50.05764%.<br>Reviewer Comment (2025-09-09): The LOE is not acceptable. If calculations are needed, please reach out to the investor to obtain figures. As noted in the condition, the lender did not include the REO debt on xxxxxx. The borrower is paying this out of their personal account, therefore it should have been included in the ratios. | 09/18/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844763 | xxxxxx | 34495406 | xxxxxx | 09/22/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure xxxxxx on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Final xxxxxx | Seller CD is missing |  |  | Reviewer Comment (2025-09-24): SitusAMC received seller CD | 09/24/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure A | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 844763 | xxxxxx | 34519575 | xxxxxx | 09/22/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  | Reviewer Comment (2025-09-23): Approval provided | 09/23/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844771 | xxxxxx | 34262354 | xxxxxx | 08/07/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx or xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The Preliminary title policy is within xxxxxx or xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. Please provide updated coverage or final title policy evidencing the correct coverage amount. |  |  | Reviewer Comment (2025-08-19): cleared with final title | 08/19/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Investment | Purchase | B A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 844812 | xxxxxx | 34341160 | xxxxxx | 09/05/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Refinance only is not checked on the provided occupancy certificate. |  |  | Reviewer Comment (2025-09-10): Received Occupancy Certificate. Exception cleared. | 09/10/2025 |  |  | 1 | C A | C A D | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | C | A D B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844812 | xxxxxx | 34342131 | xxxxxx | 09/05/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $3,599.70 exceeds tolerance of $2,207.00. Insufficient or no cure was provided to the borrower. (7200) | Loan Discount Points Fee was last disclosed as $2,207.00 on the Loan Estimate, but was disclosed as $3,599.70 on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $1,392.70, a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  |  | Reviewer Comment (2025-09-09): SitusAMC Received Valid COC dated xxxxxx . | 09/09/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | A D B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 844812 | xxxxxx | 34342132 | xxxxxx | 09/05/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Origination Fee. Fee Amount of $3,900.00 exceeds tolerance of $3,000.00. Insufficient or no cure was provided to the borrower. (7325) | Loan Origination Fee was last disclosed as $3,000.00 on the Loan Estimate, but was disclosed as $3,900.00 on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $900.00, a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  |  | Reviewer Comment (2025-09-09): SitusAMC Received Valid COC dated xxxxxx . | 09/09/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | A D B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 844812 | xxxxxx | 34342133 | xxxxxx | 09/05/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $131.00 exceeds tolerance of $118.00. Insufficient or no cure was provided to the borrower. (7520) | Credit Report Fee was last disclosed as $118.00 on the Loan Estimate, but was disclosed as $131.00 on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $13.00, a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  |  | Reviewer Comment (2025-09-09): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. | 09/09/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | A D B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 844812 | xxxxxx | 34342140 | xxxxxx | 09/05/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a xxxxxx/xxxxxx form and does not contain the following clauses: | Homestead Exemption Waiver |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | Reviewer Comment (2025-09-03): Client elects to waive |  |  | 09/03/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | C | A D B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844812 | xxxxxx | 34342142 | xxxxxx | 09/05/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | Title policy is not provided. |  |  | Reviewer Comment (2025-09-08): Title search provided | 09/08/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | C | A D B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844812 | xxxxxx | 34342144 | xxxxxx | 09/05/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note date: xxxxxx; Lien Position: 2 | There are 2 AVMs in the file that were done prior to closing that established value and they were within 2.0171% of one another. This is acceptable of the guidelines. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | Reviewer Comment (2025-09-03): Client elects to waive |  |  | 09/03/2025 | 2 | A | A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | C | A D B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844812 | xxxxxx | 34342205 | xxxxxx | 09/05/2025 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: 53 | Note date: xxxxxx; Lien Position: 2 |  |  |  | Reviewer Comment (2025-09-08): Second AVM provided | 09/08/2025 |  |  | 1 | N/A | N/A D | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | C | A D B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844812 | xxxxxx | 34391196 | xxxxxx | 09/09/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $131.00 exceeds tolerance of $118.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) |  |  |  | Reviewer Comment (2025-09-09): Sufficient Cure Provided At Closing |  | 09/09/2025 |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B | C | A D B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 844837 | xxxxxx | 34312239 | xxxxxx | 09/02/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $325.00 exceeds tolerance of $260.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) | Lender Cure of $74.60 is reflectinh on Final CD. |  |  | Reviewer Comment (2025-08-27): Sufficient Cure Provided At Closing |  | 08/27/2025 |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure B A | C | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 844837 | xxxxxx | 34316926 | xxxxxx | 09/02/2025 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Paid To party cannot be determined on the Closing Disclosure. For compliance testing purposes, Paid To of Lender will be considered in lieu of UTD. | Date Issued: xxxxxx Title - Other 1 | There is no "to" payable party for the Title- Fraud Verification fee to |  |  | Reviewer Comment (2025-08-28): Client elects to waive |  |  | 08/28/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | C | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 844837 | xxxxxx | 34316956 | xxxxxx | 09/02/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Please provide a VOM for the xxxxxx 2nd Mortgage xxxxxx paid off on the Borrowers seller CD for the xxxxxx property in file. This mortgage is not reporting on the borrowers credit report. |  |  | Reviewer Comment (2025-10-01): Received deed of release for the xxxxxx property. Exception cleared.<br>Reviewer Comment (2025-09-25): Received property history report reflects full release with legal description dated xxxxxx and another dated xxxxxx , however unable to identify which lien was released, since the information is not provided only recording date, document#, document type and borrower name was provided. Exception remains.<br>Reviewer Comment (2025-09-19): Received Disbursement request and Authorization document, however, this does not meet the required conditions. Kindly provide a copy of the executed Note and a Satisfaction Letter, or an equivalent document, to confirm that the mortgage lien has been fully paid off. Exception remains.<br>Reviewer Comment (2025-09-15): If the lien was in the name of the business for xxxxxx, the full Note will be required which reflects in the business name along with release of lien to support this is a cross collateral loan paid in full and tied to the xxxxxx property as only xxxxxx was paid on the closing statement and the screen shot for loan amount is for xxxxxx.<br>Reviewer Comment (2025-09-09): The lender's LOE is not sufficient and the condition is valid. The lien was on a residential property in which the borrower's were personally obligated to. The history is required. | 10/01/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 844837 | xxxxxx | 34317835 | xxxxxx | 09/02/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | All parties to the transaction were not included. The 2nd Seller xxxxxx, signing on behalf of xxxxxx, LLC, is missing. |  |  | Reviewer Comment (2025-09-04): Received OFAC and SAM search for the missing participant. Exception cleared. | 09/04/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 844837 | xxxxxx | 34318021 | xxxxxx | 09/02/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $850.00 exceeds tolerance of $750.00. Insufficient or no cure was provided to the borrower. (7506) | COC is not valid. The invoice coming in higher is not a valid reason to pass fees on to the borrower. |  |  | Reviewer Comment (2025-09-18): SitusAMC received valid Changed circumstance.<br>Reviewer Comment (2025-09-14): SitusAMC received valid COC for the appraisal re-inspection fee added. but it does not give sufficient information on what impacts and why the appraisal fee was increased. In order to determine if the changed circumstance is valid more information is necessary on reason for the fee increase and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Reviewer Comment (2025-09-09): SitusAMC: The receipt of an invoice is not a valid changed circumstance in order for a fee to be re-baselined. Please provide documentation of the reason for the increase in the appraisal fee What information was received that required the increase in the fee and when was that information received or Cure would be due to borrower.<br>Reviewer Comment (2025-09-05): SitusAMC received Changed Circumstance dated xxxxxx , but it does not give sufficient information on why the appraisal fee was increased. In order to determine if the changed circumstance is valid more information is necessary on reason fee increased and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check. | 09/18/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 844837 | xxxxxx | 34318022 | xxxxxx | 09/02/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $325.00 exceeds tolerance of $260.00. Insufficient or no cure was provided to the borrower. (7520) | No valid COC provided |  |  | Reviewer Comment (2025-09-09): SitusAMC: Sufficient cure provided. Full cure amount for tolerance violation was provided at closing (on final CD) for the credit report fee increased resulting in a cleared exception. | 09/09/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 844841 | xxxxxx | 34370741 | xxxxxx | 09/10/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $195.00 exceeds tolerance of $90.00. Insufficient or no cure was provided to the borrower. (75103) | Appraisal Re-Inspection Fee was last disclosed as $90.00 on the Loan Estimate, but was disclosed as $195.00 on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $105.00, a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  |  | Reviewer Comment (2025-09-17): SitusAMC received rebuttal and valid COC<br>Reviewer Comment (2025-09-15): SitusAMC: On Initial LE appraisal re-inspection fee disclosed in the amount of $90 and additional re-inspection fee added in the amount of $350 and provided corresponding COC indicates 1004D required for a couple of appliances to be installed. However, appraisal report with provided disclosure completed with "As Is" status and does not complete with subject to repair, subject to completion or subject to inspection. Please provide documentation of the reason for the re-inspection was required What information was received that required for the re-inspection and when was that information received. | 09/17/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 844841 | xxxxxx | 34393390 | xxxxxx | 09/10/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 46.40023% exceeds Guideline total debt ratio of 43.00000%. | Rent Free borrower max 43%. |  |  | Reviewer Comment (2025-09-16): Investor's UW worksheet provided. Eligible deposits (standard business income deposits and xxxxxx deposits) were added back in which are eligible per guidelines. DTI is now within guidelines. | 09/16/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844841 | xxxxxx | 34393494 | xxxxxx | 09/10/2025 | 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. | Rent Free borrower max 43%. |  |  | Reviewer Comment (2025-09-16): Investor's UW worksheet provided. Eligible deposits (standard business income deposits and xxxxxx deposits) were added back in which are eligible per guidelines. DTI is now within guidelines. | 09/16/2025 |  |  | 1 | B A C | B A C | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 844841 | xxxxxx | 34393495 | xxxxxx | 09/10/2025 | 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. | Rent Free borrower max 43%. |  |  | Reviewer Comment (2025-09-16): Investor's UW worksheet provided. Eligible deposits (standard business income deposits and xxxxxx deposits) were added back in which are eligible per guidelines. DTI is now within guidelines. | 09/16/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844841 | xxxxxx | 34393496 | xxxxxx | 09/10/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 46.40023% moderately exceeds the guideline maximum of 43.00%. (DTI Exception is eligible to be regraded with compensating factors.) | Rent Free borrower max 43%. |  |  | Reviewer Comment (2025-09-16): Investor's UW worksheet provided. Eligible deposits (standard business income deposits and xxxxxx deposits) were added back in which are eligible per guidelines. DTI is now within guidelines. | 09/16/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844841 | xxxxxx | 34394102 | xxxxxx | 09/10/2025 | Credit | Guideline | Guideline Issue | Guideline | More than 3 NSFs/Overdraft Transfers occurred in the most recent 12-month period. |  | Investor exception with comp factors for NSF activity (4 on one set, 3 on another). | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years. | Residual income 2.5x the amount required by guidelines | Reviewer Comment (2025-09-09): Client elects to waive with verified compensation factors |  |  | 09/09/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844846 | xxxxxx | 34282266 | xxxxxx | 08/28/2025 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Prelim only in file. |  |  | Reviewer Comment (2025-08-29): Final CD provided | 08/29/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 844846 | xxxxxx | 34308977 | xxxxxx | 08/28/2025 | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Subject is a refinance and property is listed for sale. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | The appraisal notes the property was listed for sale on xxxxxx and cancelled, however cancelled date was not provided. Must be prior to the Note date. |  |  | Reviewer Comment (2025-09-03): Per client accepting the documents provided with listing removed prior to Note date but relisted post-closing.<br>Reviewer Comment (2025-09-02): The document reflects listing was removed on 8/7 and then relisted on xxxxxx right after the transaction closed on xxxxxx Investor to advise if they are accepting this.<br>Reviewer Comment (2025-08-29): No new documents received for this condition. Please try uploading again. | 09/03/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 844871 | xxxxxx | 34274335 | xxxxxx | 08/28/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | Zip code xxxxxx on hazard insurance document does not match with the Note document xxxxxx. |  |  | Reviewer Comment (2025-09-24): Updated HOI provided<br>Reviewer Comment (2025-09-23): The document provided is the cert of liability and not the HOI dwelling coverage. The pre-close HOI zip code most be updated.<br>Reviewer Comment (2025-09-18): The HOI has an effective date dated post-close and is not acceptable. | 09/24/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 844871 | xxxxxx | 34274344 | xxxxxx | 08/28/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Zip code xxxxxx on Appraisal report does not match with the Note document xxxxxx. |  |  | Reviewer Comment (2025-09-18): Updated appraisal provided | 09/18/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 844871 | xxxxxx | 34274356 | xxxxxx | 08/28/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Desk Review / Valuation Report date: xxxxxx | City name xxxxxx on CDA document does not match with the Note document xxxxxx. |  |  | Reviewer Comment (2025-09-18): Corrected CDA provided | 09/18/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 844871 | xxxxxx | 34307058 | xxxxxx | 08/28/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Title reflects city of xxxxxx vs. Note which reflects xxxxxx. |  |  | Reviewer Comment (2025-09-19): Updated later dated title provided | 09/19/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 844877 | xxxxxx | 34353100 | xxxxxx | 09/09/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 9.46389% or Final Disclosure APR of 9.48500% is equal to or greater than the threshold of APOR 6.75% + 2.5%, or 9.25000%. Non-Compliant Higher Priced Mortgage Loan. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  | Reviewer Comment (2025-09-10): Appraisal delivery provided. Loan is HPML Compliant | 09/10/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | D B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844877 | xxxxxx | 34353101 | xxxxxx | 09/09/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | Appraisal address reflects xxxxxx vs xxxxxx |  |  | Reviewer Comment (2025-09-11): Corrected appraisal received. Loan is HPML Compliant | 09/11/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Primary | Purchase | D B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844877 | xxxxxx | 34353102 | xxxxxx | 09/09/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx |  |  |  | Reviewer Comment (2025-09-10): Appraisal delivery provided. Loan is HPML Compliant | 09/10/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | D B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844877 | xxxxxx | 34353106 | xxxxxx | 09/09/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $69.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) |  |  |  | Reviewer Comment (2025-09-03): Sufficient Cure Provided At Closing |  | 09/03/2025 |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure B A | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 844877 | xxxxxx | 34353220 | xxxxxx | 09/09/2025 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | The provided Flood Certificate in file reflects the street address as xxxxxx vs Note address reflects the street address as xxxxxx. Provide corrected Flood Certificate matching the Note address. |  |  | Reviewer Comment (2025-09-10): Updated flood cert provided | 09/10/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | D B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844877 | xxxxxx | 34353549 | xxxxxx | 09/09/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | The provided Appraisal report in file reflects the street address as xxxxxx vs Note address reflects the street address as xxxxxx. Provide corrected Appraisal report matching the Note address. |  |  | Reviewer Comment (2025-09-11): Corrected appraisal received | 09/11/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | D B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844877 | xxxxxx | 34353550 | xxxxxx | 09/09/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Desk Review / Valuation Report date: xxxxxx | The provided Collateral Desktop Analysis in file reflects the street address as xxxxxx vs Note address reflects the street address as xxxxxx. Provide corrected Collateral Desktop Analysis matching the Note address. |  |  | Reviewer Comment (2025-09-11): Updated CDA provided | 09/11/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | D B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844877 | xxxxxx | 34353552 | xxxxxx | 09/09/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | The provided Replacement Cost document in file reflects the street address as xxxxxx vs Note address reflects the street address as xxxxxx. Provide corrected RCE matching the Note address. |  |  | Reviewer Comment (2025-09-11): Updated RCE provided | 09/11/2025 |  |  | 1 | C A | C A D | xxxxxx | xxxxxx | Primary | Purchase | D B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844877 | xxxxxx | 34419420 | xxxxxx | 09/11/2025 | Compliance | Compliance | Miscellaneous Compliance | Compliance | Other Compliance Exception (Manual Add) |  | Provide evidence the updated appraisal was delivered to the borrower with a completion date of xxxxxx Required for HPML. Value did not change. |  |  | Reviewer Comment (2025-09-11): Appraisal delivery provided | 09/11/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Purchase | D B A | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 844877 | xxxxxx | 34425724 | xxxxxx | 09/11/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of revised valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx |  |  |  | Reviewer Comment (2025-09-11): Client elects to waive. Loan is HPML Compliant |  |  | 09/11/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Purchase | D B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844889 | xxxxxx | 34261289 | xxxxxx | 08/25/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  | Reviewer Comment (2025-08-28): Received Final Title Policy. Exception cleared. | 08/28/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844889 | xxxxxx | 34261290 | xxxxxx | 08/25/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  |  | Reviewer Comment (2025-08-28): Received Final Title Policy. Exception cleared. | 08/28/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844889 | xxxxxx | 34277695 | xxxxxx | 08/25/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 46.70336% exceeds Guideline total debt ratio of 43.00000%. | Borrower has been living rent free per 1003 and LOE for 7 months. Rent free borrower's capped at 43% DTI. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | Reviewer Comment (2025-09-03): Client elects to waive with verified compensation factors |  |  | 09/03/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844889 | xxxxxx | 34277699 | xxxxxx | 08/25/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Borrower has been living rent free per 1003 and LOE for 7 months. Rent free borrower's capped at 43% DTI. |  |  | Reviewer Comment (2025-09-03): Loan designation updated to Non-QM. Condition no longer applies. | 09/03/2025 |  |  | 1 | B A C | B A C | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 844889 | xxxxxx | 34277700 | xxxxxx | 08/25/2025 | 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. | Borrower has been living rent free per 1003 and LOE for 7 months. Rent free borrower's capped at 43% DTI. |  |  | Reviewer Comment (2025-09-03): Loan designation updated to Non-QM. Condition no longer applies. | 09/03/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844889 | xxxxxx | 34277701 | xxxxxx | 08/25/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 46.70336% moderately exceeds the guideline maximum of 43.00%. (DTI Exception is eligible to be regraded with compensating factors.) | Borrower has been living rent free per 1003 and LOE for 7 months. Rent free borrower's capped at 43% DTI. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | Reviewer Comment (2025-09-03): Client elects to waive with verified compensation factors |  |  | 09/03/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Purchase | C B | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844911 | xxxxxx | 34410714 | xxxxxx | 09/16/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a xxxxxx/xxxxxx form and does not contain the following clauses: | Homestead Exemption Waiver | Homestead Exemption Waiver clause is missing. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | Reviewer Comment (2025-09-15): Client elects to waive |  |  | 09/15/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | B | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844912 | xxxxxx | 34344321 | xxxxxx | 09/08/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Statement | Provide evidence the property is free and clear. If not provide the housing history and evidence of PITIA. In addition, per the final 1003, there is payments of $350 added to this property. Provide documentation for this as well. |  |  | Reviewer Comment (2025-09-17): Received corrected 1003/1008 removing REO property. Exception cleared.<br>Reviewer Comment (2025-09-12): Received Property History report, reflecting the property is not owned by borrower. Provide corrected 1003 and 1008 removing the property from REO. Exception remains. | 09/17/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Second Home | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844912 | xxxxxx | 34347524 | xxxxxx | 09/08/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor Exception: The xxxxxx project has ongoing xxxxxx. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Credit Score 30+ points > minimum required | Reviewer Comment (2025-09-04): Client elects to waive with verified compensation factors. Engineer report confirms the subject xxxxxx has been completed |  |  | 09/04/2025 | 2 | B | B | xxxxxx | xxxxxx | Second Home | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844912 | xxxxxx | 34347599 | xxxxxx | 09/08/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-2 | Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. (xxxxxx/Wages) | Per guidelines, employment verification can be determined by a paystub dated within 30 days prior to the Note date or a VVOE dated within 10 days prior to the Note date. The timely paystub was provided. |  |  | Reviewer Comment (2025-09-10): TWN provided | 09/10/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Second Home | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844912 | xxxxxx | 34347600 | xxxxxx | 09/08/2025 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Per guidelines, employment verification can be determined by a paystub dated within 30 days prior to the Note date or a VVOE dated within 10 days prior to the Note date. The timely paystub was provided. |  |  | Reviewer Comment (2025-09-10): TWN provided | 09/10/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Second Home | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844912 | xxxxxx | 34347603 | xxxxxx | 09/08/2025 | 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. | Per guidelines, employment verification can be determined by a paystub dated within 30 days prior to the Note date or a VVOE dated within 10 days prior to the Note date. The timely paystub was provided. Condition will be addressed once all other conditions are addressed. |  |  | Reviewer Comment (2025-09-10): TWN provided | 09/10/2025 |  |  | 1 | B A C | B A C | xxxxxx | xxxxxx | Second Home | Purchase | Lender to provide updated ATR/QM status C B | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 844912 | xxxxxx | 34356898 | xxxxxx | 09/08/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor exception to allow high concentration of short term rentals. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Credit Score 30+ points > minimum required | Reviewer Comment (2025-09-04): Client elects to waive with verified compensation factors |  |  | 09/04/2025 | 2 | B | B | xxxxxx | xxxxxx | Second Home | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844912 | xxxxxx | 34357283 | xxxxxx | 09/08/2025 | 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. | Per guidelines, employment verification can be determined by a paystub dated within 30 days prior to the Note date or a VVOE dated within 10 days prior to the Note date. The timely paystub was provided. |  |  | Reviewer Comment (2025-09-10): TWN provided | 09/10/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Second Home | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844912 | xxxxxx | 34358173 | xxxxxx | 09/08/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. | Borrower: xxxxxx // Employment Type: Employment / Income Type: Wages / Start date: xxxxxx |  |  |  | Reviewer Comment (2025-09-10): TWN provided | 09/10/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Second Home | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 844931 | xxxxxx | 34350764 | xxxxxx | 09/08/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note date: xxxxxx; Lien Position: 1 |  |  |  | Reviewer Comment (2025-09-15): CU provided with a score of 1.8. Sufficient for secondary valuation. | 09/15/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Primary | Purchase | D B C | A | A D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 844931 | xxxxxx | 34359303 | xxxxxx | 09/08/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Guidelines state that transfers coming from only one business may be utilized to qualify. Deposits used to qualify are unable to be sourced and appear to come from multiple businesses. Additionally, cancelled checks provided do not match the deposits. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | Reviewer Comment (2025-09-25): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-09-23): Lender would like to waive. Assigned to investor.<br>Reviewer Comment (2025-09-15): The LOE is not acceptable. Transfers and deposits are being received from 2 businesses to make up the income which is needed to qualify. If the lender did not verify the deposits / transfer that make up the income due to atypical for the borrower has bearing on the income being utilized and needed. Investor can elect to waive with verified compensation factors. |  |  | 09/25/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Purchase | D B C | A | A D | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 844944 | xxxxxx | 34350357 | xxxxxx | 09/09/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Mortgage history for the subject property does not appear on credit for Sunset. VOM, Note and Payoff provided. Provide evidence of the borrower's 6 month pay history. |  |  | Reviewer Comment (2025-09-12): Received evidence of the borrower's 6 month pay history. Exception cleared. | 09/12/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 844968 | xxxxxx | 34313441 | xxxxxx | 09/03/2025 | 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 xxxxxx , prior to three (3) business days from transaction date of xxxxxx . | Transaction date on RTC is xxxxxx with an expiration date of xxxxxx The loan did not close until xxxxxx Rescission needs to be re-opened. |  |  | Reviewer Comment (2025-09-15): Letter of Explanation, Proof of Delivery (borrower's signed and dated signature), and Re-open Rescission provided<br>Reviewer Comment (2025-09-11): Received LOE to borrower and executed RTC forms re-opening rescission. Rescission period expire xxxxxx Condition cannot be cured until after. Re-queue condition on xxxxxx <br>Reviewer Comment (2025-09-10): RTC was provided, however xxxxxx did not sign until xxxxxx Expiration date is xxxxxx 3 days were not provided. Rescission will need to be re-opened. Further, the LOE to borrower was not provided. The LOE provided is only asking for xxxxxx email address which is not sufficient. It must detail why rescission was re-opened. |  | 09/15/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 844968 | xxxxxx | 34313442 | xxxxxx | 09/03/2025 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | Transaction date on RTC is xxxxxx with an expiration date of xxxxxx The loan did not close until xxxxxx Rescission needs to be re-opened. |  |  | Reviewer Comment (2025-09-15): Letter of Explanation, Proof of Delivery (borrower's signed and dated signature), and Re-open Rescission provided<br>Reviewer Comment (2025-09-11): Received LOE to borrower and executed RTC forms re-opening rescission. Rescission period expire xxxxxx Condition cannot be cured until after. Re-queue condition on xxxxxx <br>Reviewer Comment (2025-09-10): RTC was provided, however xxxxxx did not sign until xxxxxx Expiration date is xxxxxx 3 days were not provided. Rescission will need to be re-opened. Further, the LOE to borrower was not provided. The LOE provided is only asking for xxxxxx email address which is not sufficient. It must detail why rescission was re-opened. |  | 09/15/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 844968 | xxxxxx | 34313481 | xxxxxx | 09/03/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $375.00 exceeds tolerance of $300.00 plus 10% or $330.00. Insufficient or no cure was provided to the borrower. xxxxxx | Ten Percent Fee Tolerance exceeded due to the increase in Appraisal Fee along with an addition to Appraisal Desk Review Fee. |  |  | Reviewer Comment (2025-09-12): SitusAMC received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception.<br>Reviewer Comment (2025-09-10): SitusAMC received PCCD, LOE, Refund Check and Proof of Mailing. USPS tracking indicates label has been created, but package has not been shipped. Proof of mailing required to cure. |  | 09/12/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 844968 | xxxxxx | 34313482 | xxxxxx | 09/03/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $35.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7505) | The Appraisal Desk Review Fee was not disclosed on Initial Loan Estimate and was later disclosed on Final Closing Disclosure as $35.00. Insufficient or no cure was provided. |  |  | Reviewer Comment (2025-09-12): SitusAMC received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception.<br>Reviewer Comment (2025-09-10): SitusAMC received PCCD, LOE, Refund Check and Proof of Mailing. USPS tracking indicates label has been created, but package has not been shipped. Proof of mailing required to cure. |  | 09/12/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 844968 | xxxxxx | 34313483 | xxxxxx | 09/03/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $750.00 exceeds tolerance of $600.00. Insufficient or no cure was provided to the borrower. (7506) | The Appraisal Fee was disclosed on Initial Loan Estimate as $600.00 and was later increased on Final Closing Disclosure as $750.00. Insufficient or no cure was provided. |  |  | Reviewer Comment (2025-09-12): SitusAMC received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception.<br>Reviewer Comment (2025-09-10): SitusAMC received PCCD, LOE, Refund Check and Proof of Mailing. USPS tracking indicates label has been created, but package has not been shipped. Proof of mailing required to cure. |  | 09/12/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 844968 | xxxxxx | 34313484 | xxxxxx | 09/03/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for CDA paid to AMC. Fee Amount of $57.70 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7543) | The Appraisal Desk Review Fee was not disclosed on Initial Loan Estimate and was later disclosed on Final Closing Disclosure as $57.70. Insufficient or no cure was provided. |  |  | Reviewer Comment (2025-09-12): SitusAMC received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception.<br>Reviewer Comment (2025-09-10): SitusAMC received PCCD, LOE, Refund Check and Proof of Mailing. USPS tracking indicates label has been created, but package has not been shipped. Proof of mailing required to cure. |  | 09/12/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 844968 | xxxxxx | 34313515 | xxxxxx | 09/03/2025 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  |  | Reviewer Comment (2025-09-08): Received E-Sign Consent Agreement. Exception cleared. | 09/08/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 844968 | xxxxxx | 34325221 | xxxxxx | 09/03/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor exception for asset seasoning < 90 days for Asset Utilization. | Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Credit Score 30+ points > minimum required | Reviewer Comment (2025-08-29): Client elects to waive with verified compensation factors |  |  | 08/29/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 845015 | xxxxxx | 34231996 | xxxxxx | 06/05/2025 | Credit | Loan Package Documentation | Closing / Title | Title | Title: Evidence of title is missing |  | The file does not contain a title report. |  |  | Reviewer Comment (2025-06-10): Received title commitment | 06/10/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 845015 | xxxxxx | 34231997 | xxxxxx | 06/05/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | The file does not contain a title report. |  |  | Reviewer Comment (2025-06-10): Received commitment in trailing docs | 06/10/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 845015 | xxxxxx | 34231998 | xxxxxx | 06/05/2025 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  | The file is missing the credit report for the second guarantor, xxxxxx. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 11.77<br> Guideline Requirement: 2.00<br>Guidelines Representative FICO: 700<br> Representative FICO: 743 | Reviewer Comment (2025-06-27): Waived with compensating factors at clients request.<br>Reviewer Comment (2025-06-25): Document is required to be dated prior to closing. |  |  | 06/27/2025 | 2 | D B | D B | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 845015 | xxxxxx | 34231999 | xxxxxx | 06/05/2025 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Final HUD-1 is missing in file. |  |  | Reviewer Comment (2025-06-10): The Final HUD was provided. | 06/10/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 845015 | xxxxxx | 34232000 | xxxxxx | 06/05/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | The file is missing the fraud report for the second guarantor, xxxxxx. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 11.77<br> Guideline Requirement: 2.00<br>Guidelines Representative FICO: 700<br> Representative FICO: 743 | Reviewer Comment (2025-06-27): Waived with compensating factors at clients request.<br>Reviewer Comment (2025-06-25): Co-borrower was ran through OFAC only. Need full Fraud Report with the second borrower added. |  |  | 06/27/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 845015 | xxxxxx | 34232001 | xxxxxx | 06/10/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Lien(s) negatively impacting title |  | Per title commitment provided in trailing docs, there are 2 open mortgages on the subject property. Please provide evidence both were paid through subject closing, as the payoff amount on final closing statement, also provided in trailing docs, is not sufficient to pay both liens reflected. |  |  | Reviewer Comment (2025-06-27): clear<br>Reviewer Comment (2025-06-20): Unable to use wire transfer receipt to clear condition. Need evidence both mortgages paid in full as wire amount is not sufficient per amounts listed on title commitment. | 06/27/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 845015 | xxxxxx | 34232002 | xxxxxx | 06/10/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title Error: Title vesting does not concur with deed |  | Vesting on title commitment received in trailing documents does not match vesting on security instrument. Please provide deed signed at closing transferring ownership to our borrowing entity. |  |  | Reviewer Comment (2025-06-19): clear | 06/19/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 845102 | xxxxxx | 34478713 | xxxxxx | 08/19/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx Third Party Verification | Provide verification of the borrowers business existence dated within 20 business days of the Note. |  |  | Reviewer Comment (2025-09-08): Received third party verification dated within 20 business days of Note.<br>Reviewer Comment (2025-08-29): The report is dated after disbursement.<br>Reviewer Comment (2025-08-25): Dated business entity documentation is required. | 09/08/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | A | A | Exempt from ATR | N/A | No | Mortgagor Focused |
| xxxxxx | 845102 | xxxxxx | 34478714 | xxxxxx | 08/19/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Provide verification of the borrowers business existence dated within 20 business days of the Note. |  |  | Reviewer Comment (2025-09-08): Received third party verification dated within 20 business days of Note.<br>Reviewer Comment (2025-08-25): Dated business entity documentation is required. | 09/08/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | A | A | Exempt from ATR | N/A | No | Mortgagor Focused |
| xxxxxx | 845119 | xxxxxx | 34358635 | xxxxxx | 08/19/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception: Approved Lender Exception - Requesting to allow single entity ownership at 38% and Investor at 82%, Month Reserve 37.35, 3 Tradelines for >5 years. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | Reserves: 33.59<br> Guideline Requirement: 2.00 | Reviewer Comment (2025-08-19): Waived with compensating factors per lender exception approval at origination. |  |  | 08/19/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 845119 | xxxxxx | 34358636 | xxxxxx | 08/19/2025 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  | Provide a final HUD/Closing Statement that is signed by the borrower or stamped true and certified by settlement agent. Copy provided in file is an estimate. |  |  | Reviewer Comment (2025-08-29): cleared with final SS. | 08/29/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Investment | Purchase | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 845139 | xxxxxx | 34348689 | xxxxxx | 09/09/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Commitment |  |  |  | Reviewer Comment (2025-09-16): FTP provided | 09/16/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 845139 | xxxxxx | 34366499 | xxxxxx | 09/09/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | There are two liens on title, however only 1 was paid through closing. Provide the clear title policy. |  |  | Reviewer Comment (2025-09-16): Clear FTP provided | 09/16/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 845139 | xxxxxx | 34412904 | xxxxxx | 09/11/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $166.08 exceeds tolerance of $164.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) |  |  |  | Reviewer Comment (2025-09-11): Sufficient Cure Provided At Closing |  | 09/11/2025 |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 845141 | xxxxxx | 34404894 | xxxxxx | 09/12/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $10,583.44 exceeds tolerance of $8,232.00. Insufficient or no cure was provided to the borrower. (7200) | Cure nor valid COC provided |  |  | Reviewer Comment (2025-09-26): SitusAMC received valid COC document<br>Reviewer Comment (2025-09-22): SitusAMC received COC dated xxxxxx which is already applied for review but the points again increased on final CD dated xxxxxx and the COC provided does not give sufficient information on why the pricing changed occurred. Please provide additional information on pricing change or cure would be required. A valid Changed Circumstance or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Reviewer Comment (2025-09-16): SitusAMC received COC dated xxxxxx , but it does not give sufficient information on why the pricing changed occurred. Please provide additional information on pricing change or cure would be required. A valid Changed Circumstance or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check. | 09/26/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 845141 | xxxxxx | 34425704 | xxxxxx | 09/12/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a xxxxxx/xxxxxx form and does not contain the following clauses: | Homestead Exemption Waiver |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years. |  | Reviewer Comment (2025-09-11): Client elects to waive |  |  | 09/11/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 845147 | xxxxxx | 34332310 | xxxxxx | 09/04/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $2,151.38 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7200) | The Loan Discount Points Fee was not disclosed on Initial Loan Estimate and was later disclosed on the revised Loan Estimated dated xxxxxx as $2,650.00 without a valid change of circumstance. |  |  | Reviewer Comment (2025-09-09): SitusAMC received valid COC document | 09/09/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | B D | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 845147 | xxxxxx | 34332311 | xxxxxx | 09/04/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $67.00 exceeds tolerance of $59.00. Insufficient or no cure was provided to the borrower. (7520) | The Credit Report Fee was disclosed as $59.00 on Initial Loan Estimate and was later disclosed on initial Closing Disclosure as $67.00 without a valid change of circumstance. |  |  | Reviewer Comment (2025-09-09): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception." | 09/09/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | B D | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 845147 | xxxxxx | 34332320 | xxxxxx | 09/04/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | RCE in file is > 1 year old. |  |  | Reviewer Comment (2025-09-09): Updated RCE provided | 09/09/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C | C | B D | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 845147 | xxxxxx | 34332321 | xxxxxx | 09/04/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a xxxxxx/xxxxxx form and does not contain the following clauses: | Homestead Exemption Waiver |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | Reviewer Comment (2025-09-02): Client elects to waive |  |  | 09/02/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C | C | B D | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 845147 | xxxxxx | 34332324 | xxxxxx | 09/04/2025 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. AVM provided. The supporting secondary valuation is missing. Sec ID: 53 | Note date: xxxxxx; Lien Position: 2 |  |  |  | Reviewer Comment (2025-09-06): Additional AVM provided | 09/06/2025 |  |  | 1 | N/A | N/A D | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C | C | B D | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 845147 | xxxxxx | 34332325 | xxxxxx | 09/04/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note date: xxxxxx; Lien Position: 2 | There are 2 AVMs in the file that were done prior to closing that established value an the were within 1.8874% of one another and lower amount was used to qualify. This is acceptable of the guidelines. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | Reviewer Comment (2025-09-02): Client elects to waive |  |  | 09/02/2025 | 2 | A | A B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C | C | B D | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 845147 | xxxxxx | 34342732 | xxxxxx | 09/04/2025 | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | Dated at time of closing |  |  | Reviewer Comment (2025-09-02): Client elects to waive |  |  | 09/02/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C | C | B D | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 845147 | xxxxxx | 34389993 | xxxxxx | 09/09/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $67.00 exceeds tolerance of $59.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) | Sufficient cure provided at closing |  |  | Reviewer Comment (2025-09-09): Sufficient Cure Provided At Closing |  | 09/09/2025 |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B | C | B D | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 845149 | xxxxxx | 34367850 | xxxxxx | 09/10/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  | Must be signed at closing by both Guarantors. |  |  | Reviewer Comment (2025-09-23): Received Guarantor Agreement signed by both Guarantors. Exception cleared. | 09/23/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Investment | Purchase | D A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 845160 | xxxxxx | 34481605 | xxxxxx | 09/10/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Business Purpose Certificate is missing in file. |  |  | Reviewer Comment (2025-09-15): provided | 09/15/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 845160 | xxxxxx | 34481607 | xxxxxx | 09/10/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | File is missing Operating Agreement for non borrowing entity, xxxxxx, associated with xxxxxx account xxxxxx. Borrower's ownership percentage in the non borrowing entity must be verified. Additional conditions may apply. |  |  | Reviewer Comment (2025-09-15): Provided | 09/15/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 845160 | xxxxxx | 34481608 | xxxxxx | 09/10/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Subject is a refinance transaction and the current vested owner on title is xxxxxx, not the borrower, xxxxxx. Please provide evidence that the borrower has an ownership interest in xxxxxx in order to verify continuous ownership in the subject property. |  |  | Reviewer Comment (2025-09-15): Ownership confirmation provided | 09/15/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 845186 | xxxxxx | 34393994 | xxxxxx | 09/11/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided |  | Please provide PPP Addendum to Note. Rate Lock and CD reflects a PPP. |  |  | Reviewer Comment (2025-09-16): Received PPP Addendum to Note. Exception cleared. | 09/16/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D A | A | A | N/A | N/A | Yes | Mortgagor Focused |
| xxxxxx | 845186 | xxxxxx | 34394055 | xxxxxx | 09/11/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | The file is missing Business Purpose Certificate. |  |  | Reviewer Comment (2025-09-18): Received Business Purpose Certificate. Exception cleared. | 09/18/2025 |  |  | 1 | C A | C A D | xxxxxx | xxxxxx | Investment | Purchase | D A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 845191 | xxxxxx | 34271767 | xxxxxx | 08/26/2025 | 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. | The Gift Letter and Wires for Gift funds for the $33,000 gift are all dated post-close. (Note: Disbursement date has no bearing on this). |  |  | Reviewer Comment (2025-09-18): Preclose gift letter provided which reflects mor than what was received. Corrected gift letter provided post close.<br>Reviewer Comment (2025-09-09): A post close PC-CD does not clear this condition. Please review the original condition. The Gift Letter and Wires for Gift funds for the $33,000 gift are all dated post-close. (Note: Disbursement date has no bearing on this). | 09/18/2025 |  |  | 1 | B A C | B A C | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM status C | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 845191 | xxxxxx | 34271768 | xxxxxx | 08/26/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Assets | Ability to Repay (Dodd-Frank 2014): Unable to verify assets using reasonably reliable third-party records. (Gift Funds/Gift Funds) | The Gift Letter and Wires for Gift funds for the $33,000 gift are all dated post-close. (Note: Disbursement date has no bearing on this). |  |  | Reviewer Comment (2025-09-18): Preclose gift letter provided which reflects mor than what was received. Corrected gift letter provided post close.<br>Reviewer Comment (2025-09-09): The Gift Letter and Wires for Gift funds for the $33,000 gift are all dated post-close. (Note: Disbursement date has no bearing on this). | 09/18/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 845191 | xxxxxx | 34271769 | xxxxxx | 08/26/2025 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | The Gift Letter and Wires for Gift funds for the $33,000 gift are all dated post-close. (Note: Disbursement date has no bearing on this). |  |  | Reviewer Comment (2025-09-18): Preclose gift letter provided which reflects mor than what was received. Corrected gift letter provided post close.<br>Reviewer Comment (2025-09-09): The Gift Letter and Wires for Gift funds for the $33,000 gift are all dated post-close. (Note: Disbursement date has no bearing on this). | 09/18/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 845191 | xxxxxx | 34271844 | xxxxxx | 08/26/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,000.00 exceeds tolerance of $900.00. Insufficient or no cure was provided to the borrower. (7506) | Appraisal Fee was last disclosed as $900.00 on the Loan Estimate, but was disclosed as $1,000.00 on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $100.00, a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  |  | Reviewer Comment (2025-09-10): SitusAMC received updated valid Changed circumstance.<br>Reviewer Comment (2025-09-02): SitusAMC received COC stating "Complexity" however we would require detailed information as to what caused the property to be complex. Kindly provide a detailed information about the complexity or cure due to borrower. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing. | 09/10/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 845198 | xxxxxx | 34231605 | xxxxxx | 08/22/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  |  |  | Reviewer Comment (2025-09-02): Received Articles of Organization. Exception cleared. | 09/02/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 845198 | xxxxxx | 34231606 | xxxxxx | 08/22/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  |  | Reviewer Comment (2025-08-27): Received Certificate of Good Standing document. Exception cleared. | 08/27/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 845198 | xxxxxx | 34231607 | xxxxxx | 08/22/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  |  |  |  | Reviewer Comment (2025-08-27): Received Employer Identification Number for the Entity. Exception cleared. | 08/27/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 845198 | xxxxxx | 34231625 | xxxxxx | 08/22/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC searches not run on Property Seller, xxxxxx. |  |  | Reviewer Comment (2025-08-27): Received Fraud and OFAC searches including the missing participant. Exception cleared. | 08/27/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 845198 | xxxxxx | 34269232 | xxxxxx | 08/22/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Loan was reviewed to the xxxxxx program, however the final 1003 is blank for primary address and the updated 1003 reflects a xxxxxx address. There is no program for Foreign Nationals living in the xxxxxx. Provide the updated 1003 with the overseas address. If borrower is living in the xxxxxx, then additional conditions will apply to ID documentation and primary housing history). In addition, provide the lender attestation on error with confirmation living overseas. |  |  | Reviewer Comment (2025-09-02): Lender attestation provided<br>Reviewer Comment (2025-08-28): The updated 1003 provided is not signed by the borrower. Provide the lender attestation on error with confirmation borrower is living overseas. | 09/02/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 845198 | xxxxxx | 34269244 | xxxxxx | 08/22/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1007 Rent Comparison Schedule is incomplete |  | The appraisal reflects Tenant Occupied, however the 1007 does not reflect actual rents which is requirement per guidelines on purchases. |  |  | Reviewer Comment (2025-08-28): Updated appraisal to vacant w/ appraiser addendum notes. | 08/28/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 845232 | xxxxxx | 34448352 | xxxxxx | 09/17/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided |  | The guidelines require a copy of the Note and most recent mortgage statement. The mortgage statement was only provided. |  |  | Reviewer Comment (2025-09-19): Senior lien Note provided | 09/19/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 845232 | xxxxxx | 34449025 | xxxxxx | 09/17/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a xxxxxx/xxxxxx form and does not contain the following clauses: | Homestead Exemption Waiver |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | Reviewer Comment (2025-09-17): Client elects to waive |  |  | 09/17/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 845232 | xxxxxx | 34449067 | xxxxxx | 09/17/2025 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date xxxxxx, Disbursement date: xxxxxx | Wet State: The Hazard Insurance Policy Effective Date is after the later of the note or transaction date. |  |  | Reviewer Comment (2025-09-19): Preclose policy provided | 09/19/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 845232 | xxxxxx | 34485864 | xxxxxx | 09/17/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Desk Review not provided |  | xxxxxx CU 2.6 and xxxxxx CU 1.0. An AVM was provided in file has FSD score of 0.16, however per guidelines, the acceptable score is 0.13 for xxxxxx and 0.10 for other vendors. A higher tiered product will be required (i.e. CDA, field review, 2055E, second appraisal). |  |  | Reviewer Comment (2025-09-25): Received CDA. Exception cleared. | 09/25/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 845232 | xxxxxx | 34485936 | xxxxxx | 09/17/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for AVM Fee. Fee Amount of $12.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7514) | Valid COC was not provided |  |  | Reviewer Comment (2025-10-06): SitusAMC received a valid COC.<br>Reviewer Comment (2025-09-26): SitusAMC received rebuttal comment as full appraisal was ordered after AVM. However, the full appraisal in file is dated xxxxxx while the AVM with FSD score 0.00 is dated xxxxxx . Also, the AVM fee was added on CD dated xxxxxx . Please provide more information on why the AVM was required to validate the reason on COC dated xxxxxx or cure would be required.<br>Reviewer Comment (2025-09-22): SitusAMC received COC dated xxxxxx stating " AVM Report is required on this transaction due to lender requirement". We require evidence when did the lender became aware about requirement of AVM or else provide cure docs. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing. | 10/06/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 845241 | xxxxxx | 34191887 | xxxxxx | 08/18/2025 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  | Reviewer Comment (2025-08-18): Client elects to waive |  |  | 08/18/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 845241 | xxxxxx | 34191904 | xxxxxx | 08/18/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated xxxxxx). The disclosed Total of Payments in the amount of $2,586,054.19 is under disclosed by $70.00 compared to the calculated total of payments of $2,586,124.19 which exceeds the $35.00 threshold. (Final xxxxxx) | Final Closing Disclosure disclosed a TOP of $2,586,054.19; calculated TOP is $2,586,124.19. Variance is $70.00. |  |  | Reviewer Comment (2025-09-17): SitusAMC received Corrected CD , LOE to borrower and copy of final settlement statement for final for fees.<br>Reviewer Comment (2025-08-22): Unfortunately, Per SFA TRID Grid 4, Remediation types, Row D, I am unable to waive the exception. It says: "for exceptions related to one of the Material Disclosures on rescindable transactions, a separate xxxxxx exception for extended rescission rights will be cited if the remediation does not included evidence the lender re-opened rescission." The lender can remediate this exception by reopening rescission within the 3-year tolling period. On this loan, the lender provided all components of the Finance Charge and Amount Financed cure except for the reopened rescission within 60 days. To remediate the tolling rescission exception, we require a LOE, proof of delivery, and a new RTC that is received 3 business days prior to the updated cancel by date to all consumers. Further, the RTC must allow the borrower three days to cancel the transaction from date of delivery.<br>Reviewer Comment (2025-08-20): Cure requires re-opening of RTC. This is a material exception on a rescindable transaction and requires reopening of rescission and proof of delivery of RTC to complete cure. Further, the RTC must allow the borrower three days to cancel the transaction from date of delivery. | 09/17/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission i(required on rescindable transactions) B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 845241 | xxxxxx | 34232425 | xxxxxx | 08/18/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $205.00 exceeds tolerance of $165.00. Insufficient or no cure was provided to the borrower. (75106) | Additional information is required to determine if COC is valid. States CDA fee increased due to a RUSH, however it is not known who requested the rush, why and when. The lender, without being requested by the borrower, cannot request a RUSH and then pass the fee on to the borrower. |  |  | Reviewer Comment (2025-08-22): SitusAMC received sufficient rebuttal and as per provided COC dated xxxxxx .<br>Reviewer Comment (2025-08-20): SitusAMC received COC request for Rush ordered. However, we also required documentation of the reason for the rush ordered, what new information was received that required to rush the CDA review and increase in the fee and when was that information received and to provide information supporting lender's knowledge of when they became aware of the information or Cure is due to borrower. | 08/22/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 845248 | xxxxxx | 34187595 | xxxxxx | 08/18/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Statement | Provide Statement. If Tax and Insurance are not escrowed then provide Insurance document. |  |  | Reviewer Comment (2025-08-21): Received Loan estimate to verify the estimated PITIA. Exception cleared. | 08/21/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 845248 | xxxxxx | 34187896 | xxxxxx | 08/18/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide the 12 month housing history for the properties on xxxxxx that do not report on credit. 12-months mortgage payment history is to be documented, as follows:<br> • Mortgage statement or Note for the review period to verify monthly payment amount, and<br> • Proof of payments through one of the following:<br> o 12-months cancelled checks, ACH payment, bank transfer/wire, or electronic payment method from the borrower<br> § Payments made in cash are not eligible, or<br> o 12-months mortgage statements for the review period, or<br> o 12-months loan payment history from the creditor/servicer<br> § Proof of borrower's payment for the most recent 6-months is required, or<br> o 12-months Verification of Mortgage form (VOM) completed by the creditor/servicer<br> § Proof of borrower's payment for the most recent 6-months is required<br> o Credit supplement<br> § Proof of borrower's payment for the most recent 6-months is required |  |  | Reviewer Comment (2025-09-18): Received credit supplement report to verify 12 months of hosing history for the property located at xxxxxx. Exception cleared.<br>Reviewer Comment (2025-09-12): Received Credit Supplement reflects Month review for 3 months whereas the mortgage for xxxxxx was originated on xxxxxx and mortgage for xxxxxx was originated on xxxxxx . Therefore provide previous history to complete the 12 months of housing history requirement. Exception remains.<br>Reviewer Comment (2025-08-21): 1.Received Loan estimate to verify the estimated PITIA for property located at xxxxxx. For property located at xxxxxx received mortgage statement verifying payment for xxxxxx 25, xxxxxx and xxxxxx 25. Therefore provide additional 9 months of mortgage statement for both properties. Exception remains. | 09/18/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 845248 | xxxxxx | 34189114 | xxxxxx | 08/18/2025 | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Subject hazard insurance premium is missing from evidence of insurance. |  | Evidence of insurance only states Policy Invoice Status: Paid in Full. |  |  | Reviewer Comment (2025-08-21): Received full HOI policy. Exception cleared. | 08/21/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 845275 | xxxxxx | 34321486 | xxxxxx | 09/04/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | The RCE provide is > 1 year old. Provide the updated RCE. |  |  | Reviewer Comment (2025-09-08): Updated RCE provided | 09/08/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 845286 | xxxxxx | 34377254 | xxxxxx | 09/11/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | All parties to the transaction were not included in Fraud/OFAC search. The Property Sellers, xxxxxx are missing. |  |  | Reviewer Comment (2025-09-12): Received updated Fraud Report. Fraud and OFAC search run on the Property Sellers, xxxxxx. Exception cleared. | 09/12/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 845297 | xxxxxx | 34320853 | xxxxxx | 09/04/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  | The Guarantor Agreement must signed as an individual VS. Business Entity by Guarantor. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | Reviewer Comment (2025-09-17): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-09-10): Assigned to investor. Corrected GA cert is dated post close and guidelines indicate GA's must be signed at closing. |  |  | 09/17/2025 | 2 | D B | D B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 845381 | xxxxxx | 34370802 | xxxxxx | 09/11/2025 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. |  |  |  | Reviewer Comment (2025-09-15): Payoff provided | 09/15/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 845381 | xxxxxx | 34404792 | xxxxxx | 09/11/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | RCE provided is > 1 year old. There is a post close policy in file, however coverage in effect at time of closing can only be utilized. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | Reviewer Comment (2025-09-19): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-09-18): Condition cannot be cleared. As stated previously, the policy that is in effect at time of closing must be utilized. The original RCE provided was too old to use. The updated RCE provided has an increased replacement cost which matches the post close policy. A post close policy increasing the coverage is not acceptable as the borrower needed sufficient coverage at time of closing.<br>Reviewer Comment (2025-09-17): Condition cannot be cleared. As stated previously, the policy that is in effect at time of closing must be utilized. The original RCE provided was too old to use. The updated RCE provided has an increased replacement cost which matches the post close policy. A post close policy increasing the coverage is not acceptable as the borrower needed sufficient coverage at time of closing.<br>Reviewer Comment (2025-09-16): The condition cannot be cleared. The updated HOI is dated post close. Borrower did not have sufficient in place coverage at time of closing.<br>Reviewer Comment (2025-09-15): Updated RCE provided for xxxxxx. Dwelling coverage is xxxxxx. Coverage is still short by $45,235. |  |  | 09/19/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 845400 | xxxxxx | 34404872 | xxxxxx | 09/15/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Taxes, Insurance And Assessments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xxxxxx disclosed an Estimated Taxes, Insurance, and Assessments payment that does not match the actual payment for the loan. (Final xxxxxx) | Page 1 of the Final CD does not reflect the estimated taxes, insurance or assessments. |  |  | Reviewer Comment (2025-09-18): SitusAMC received Letter of Explanation and Corrected CD.<br>Reviewer Comment (2025-09-17): SitusAMC received PCCD and LOE, however issue dated of PCCD showing same as final CD issue date. Please provide PCCD with correct issue date. |  | 09/18/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 845400 | xxxxxx | 34404873 | xxxxxx | 09/15/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Property Costs Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxxxx did not disclose Estimated Property Costs over Year 1 for loan with no escrow account established. (Final xxxxxx) | Non-Escrowed Property costs Year 1 = $13,900.32 |  |  | Reviewer Comment (2025-09-18): SitusAMC received Letter of Explanation & Corrected Closing Disclosure.<br>Reviewer Comment (2025-09-17): SitusAMC received PCCD and LOE, however issue dated of PCCD showing same as final CD issue date. Please provide PCCD with correct issue date. |  | 09/18/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 845400 | xxxxxx | 34404874 | xxxxxx | 09/15/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a xxxxxx/xxxxxx form and does not contain the following clauses: | Homestead Exemption Waiver |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | Reviewer Comment (2025-09-15): Client elects to waive |  |  | 09/15/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 845400 | xxxxxx | 34404876 | xxxxxx | 09/15/2025 | Credit | Insurance | Insurance Analysis | Insurance | Hazard Insurance Policy expires within 90 days of the Note Date. | Hazard Insurance Policy Expiration Date xxxxxx , Note Date xxxxxx | HOI policy is expiring on xxxxxx < 30 days from closing. Provide renewal of HOI policy for the subject property. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | Reviewer Comment (2025-09-15): Client elects to waive |  |  | 09/15/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 845409 | xxxxxx | 34273716 | xxxxxx | 08/27/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Statement | Provide Mortgage Statement for property on xxxxxx. If Taxes & Insurance are not escrowed then separate Tax & Insurance document will be required. The P&I is verified as per Credit Report/Supplement report; however, unable to verify that tax and insurance escrowed. |  |  | Reviewer Comment (2025-09-04): Received Mortgage Statement verifying taxes and insurance are escrowed. Exception cleared. | 09/04/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 845409 | xxxxxx | 34273804 | xxxxxx | 08/27/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $755.00 exceeds tolerance of $750.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) | The Final CD reflects lender cure of $11.00. |  |  | Reviewer Comment (2025-08-22): Sufficient Cure Provided At Closing |  | 08/22/2025 |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | A | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 845417 | xxxxxx | 34331936 | xxxxxx | 09/05/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud Report is missing from the loan file. Must contain all participants. |  |  | Reviewer Comment (2025-09-15): Received document addressing all the red flags with Cleared variance. Exception cleared.<br>Reviewer Comment (2025-09-10): Received full Fraud report, all participants are included in Fraud and OFAC search. However there is an red flag that is not addressed. Exception remains. | 09/15/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 845417 | xxxxxx | 34331957 | xxxxxx | 09/05/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Origination Fee. Fee Amount of $14,490.00 exceeds tolerance of $14,300.00. Insufficient or no cure was provided to the borrower. (7325) | The Loan Origination Fees on the Loan Estimate dated xxxxxx was $14,300.00; however, the final Closing Disclosure reflects $14,490.00 without a valid change of circumstance. |  |  | Reviewer Comment (2025-09-12): SitusAMC received valid COC document for loan amount change<br>Reviewer Comment (2025-09-09): SitusAMC Loan Origination fee increased on LE dated xxxxxx without valid COC. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. | 09/12/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 845417 | xxxxxx | 34331958 | xxxxxx | 09/05/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $5,766.00 exceeds tolerance of $5,690.00. Insufficient or no cure was provided to the borrower. (8304) | The Transfer Tax Fee on the Loan Estimate dated xxxxxx was $5,690.00; however, the final Closing Disclosure reflects $5,766.00 without a valid change of circumstance. |  |  | Reviewer Comment (2025-09-12): SitusAMC received valid COC document for loan amount change<br>Reviewer Comment (2025-09-09): SitusAMC Transfer tax increase on LE dated xxxxxx without valid COC. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. | 09/12/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 845417 | xxxxxx | 34348137 | xxxxxx | 09/05/2025 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  |  | Reviewer Comment (2025-09-08): E-Consent provided | 09/08/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 845431 | xxxxxx | 34330651 | xxxxxx | 09/05/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Commitment | Final title policy not provided. |  |  | Reviewer Comment (2025-09-16): FTP provided | 09/16/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B A | B | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 845431 | xxxxxx | 34330681 | xxxxxx | 09/05/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the clear title. Title reflects judgments against the borrower that were not addressed. |  |  | Reviewer Comment (2025-09-16): Clear FTP provided<br>Reviewer Comment (2025-09-10): The affidavit is not acceptable for this. A clear title policy is required or supplement from title stating judgments will not appear on final title. | 09/16/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B A | B | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 845431 | xxxxxx | 34350922 | xxxxxx | 09/05/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments Estimated Taxes, Insurance, & Assessments: Final Closing Disclosure provided on xxxxxx disclosed whether insurance is included in escrow in incorrect section. Creditor disclosed insurance cost to consumer in "Other" section where regulation requires insurance to be disclosure under "Homeowner's Insurance" section. Disclosure requirement met, non-material exception for incorrect format/placement. (Final xxxxxx) | Page 1 shows Flood Insurance in "Other". |  |  | Reviewer Comment (2025-09-03): Client elects to waive |  |  | 09/03/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Good Faith Redisclosure D B A | B | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 845431 | xxxxxx | 34351249 | xxxxxx | 09/05/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | Current vesting includes borrower and spouse but Security Instrument shows only the borrower. Missing the deed removing the spouse from the property dated at or prior to closing. |  |  | Reviewer Comment (2025-09-10): Deed provided | 09/10/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B A | B | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 845450 | xxxxxx | 34264647 | xxxxxx | 08/26/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 9.14610% or Final Disclosure APR of 9.14800% is equal to or greater than the threshold of APOR 6.79% + 1.5%, or 8.29000%. Non-Compliant Higher Priced Mortgage Loan. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  | Reviewer Comment (2025-08-28): Appraisal delivery provided | 08/28/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 845450 | xxxxxx | 34264648 | xxxxxx | 08/26/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx |  |  |  | Reviewer Comment (2025-08-28): Appraisal delivery provided | 08/28/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 845450 | xxxxxx | 34264710 | xxxxxx | 08/26/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003/Declarations: D. 1. Have you or will you be applying for a mortgage loan on another property (not the property securing this loan) on or before closing this transaction that is not disclosed on this loan application? was entered Yes. Unable to determine qualification without this information. | Borrower: xxxxxx | Provide supporting document to verify undisclosed debts. |  |  | Reviewer Comment (2025-09-11): Final CD from second lien mortgage on xxxxxx. | 09/11/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 845450 | xxxxxx | 34272133 | xxxxxx | 08/26/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participants, authorized signor for the seller, xxxxxx, was not included in the report. |  |  | Reviewer Comment (2025-08-29): Received updated Fraud report, Fraud and OFAC search run on the seller. Exception cleared. | 08/29/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 845450 | xxxxxx | 34298608 | xxxxxx | 08/26/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | Provide the source of the large deposit into account xxxxxx for $87,853.72 (Assets) |  |  | Reviewer Comment (2025-09-11): Final CD for source of large deposit provided. Second lien proceeds on xxxxxx property. | 09/11/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 845450 | xxxxxx | 34298646 | xxxxxx | 08/26/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Large deposits were not sourced and/or letter of explanation was not provided. |  | There is an LOE in file that lists large deposits for income from 4/2024, 5/2024, 6/2024, xxxxxx 24, xxxxxx and 3/2025, however does not indicate what these were from. Appears xxxxxx LOE overlaps this LOE. |  |  | Reviewer Comment (2025-09-12): The invoices for the large deposits were provided and match the LOE.<br>Reviewer Comment (2025-09-12): Received the same invoices which was already provided in file. Please note that the provided LOE for Large deposits does not explain anything related to the income due to the explanation provided for xxxxxx Service which overlaps the LOE for Large deposits. Provide a LOE for confirming the Large deposits were related to the business income. Exception remains. | 09/12/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 845450 | xxxxxx | 34298683 | xxxxxx | 08/26/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Form 1007 or 1025, with Market Rents, Other | Departure residence: 1) 1007 / Market Rents required when rental income is used to qualify 2) Provide evidence of the new P&I for the second lien per LOE (newly taken out). |  |  | Reviewer Comment (2025-09-22): Received 1007. Exception cleared.<br>Reviewer Comment (2025-09-11): Final CD for second lien provided. Pending receipt of 1007/1025 with market rents. | 09/22/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 845450 | xxxxxx | 34298688 | xxxxxx | 08/26/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | HOI and Flood Insurance : Address does not match. Reflects additional unit numbers. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. |  | Reviewer Comment (2025-09-16): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-09-11): All addresses must match. Provide the updated documents. |  |  | 09/16/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 845459 | xxxxxx | 34523218 | xxxxxx | 09/28/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of xxxxxx is less than Guideline minimum loan amount of $150,000.00. | Investor exception in file for loan amount below minimum loan amount guideline. | Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Credit Score 30+ points > minimum required | Reviewer Comment (2025-09-30): Client elects to waive with verified compensation factors |  |  | 09/30/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Purchase | C B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 845490 | xxxxxx | 34375228 | xxxxxx | 09/10/2025 | Credit | Guideline | Guideline Issue | Guideline | Escrow waiver not allowed per guidelines. |  | Escrow waiver not allowed due to borrower does not meet minimum FICO of 720. Investor exception was provided. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | DTI < =36% which is below requirement in guidelines | Reviewer Comment (2025-09-09): Client elects to waive with verified compensation factors |  |  | 09/09/2025 | 2 | B | B | xxxxxx | xxxxxx | Second Home | Refinance - Cash-out - Other | B | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 845512 | xxxxxx | 34370810 | xxxxxx | 09/10/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for AVM Fee. Fee Amount of $10.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7514) | The AVM Fee was not disclosed on Initial Loan Estimate and was later disclosed on Loan Estimate dated xxxxxx as $10.00. Provided COCs in file does not state a valid reason for the change. |  |  | Reviewer Comment (2025-09-19): SitusAMC received Letter of Explanation, Copy of Refund Check, and Corrected CD.<br>Reviewer Comment (2025-09-17): SitusAMC received corrected CD and LOX to remove AVM fee. However, we also required True and Certified copy of the Final Settlement Statement to verify the specific fee was applied the same and reevaluate this exception.<br>Reviewer Comment (2025-09-15): SitusAMC received PCCD, however we also require LOE and true & certified copy of final settlement statement to re-evaluate the exception. |  | 09/19/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 845512 | xxxxxx | 34394602 | xxxxxx | 09/10/2025 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | Second mortgagee is missing ISAOA |  |  | Reviewer Comment (2025-09-11): Updated HOI provided | 09/11/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 845517 | xxxxxx | 34357083 | xxxxxx | 09/08/2025 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or xxxxxx) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  |  | Reviewer Comment (2025-09-04): Client elects to waive |  |  | 09/04/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B | B | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 845529 | xxxxxx | 34360136 | xxxxxx | 09/10/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx HOA Verification<br> HOA Verification | The REO properties xxxxxx on final 1003 reflects an additional amount of $562.94 & $144.40 under monthly Insurance, Taxes, HOA Dues etc. Please provide documents for this additional amount captured on Final 1003. As per Mortgage Statement Taxes & Insurance are escrowed therefore unable to verify the Other amount. |  |  | Reviewer Comment (2025-09-17): Received Taxes and Insurance document to verify Taxes and Insurance was calculated separately by lender. Exception cleared. | 09/17/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 845546 | xxxxxx | 34581344 | xxxxxx | 09/30/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Statement | Provided Mortgage Statement to verify if taxes and insurance are escrowed. Adding taxes and insurance separately, the DTI > 50%. |  |  | Reviewer Comment (2025-10-02): Mortgage statement provided reflecting T&I are escrowed. | 10/02/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Second Home | Purchase | C A | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 845546 | xxxxxx | 34590902 | xxxxxx | 09/30/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: HOA Questionnaire not provided |  |  |  |  | Reviewer Comment (2025-10-02): HOA cert provided | 10/02/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Second Home | Purchase | C A | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 845546 | xxxxxx | 34626130 | xxxxxx | 10/02/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | HOA project is involved in litigation. |  | HOA is in active litigation. Investor exception will be required. The 1 page order provided states they are dismissing the petition for relief from a discriminatory housing proactive. There is no indication the case has been settled and closed and HOA is not longer in litigation. |  |  | Reviewer Comment (2025-10-03): Documentation provided indicating case closed in favor of HOA | 10/03/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Second Home | Purchase | C A | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 845588 | xxxxxx | 34252968 | xxxxxx | 08/25/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Third party VOR is required for current primary residence. 6 months pay history and lease provided along with supplement for previous primary residence rental. |  |  | Reviewer Comment (2025-09-04): VOR provided | 09/04/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 845588 | xxxxxx | 34253033 | xxxxxx | 08/25/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Contact Information - Lender | TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xxxxxx did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name, Contact NMLS ID). (Final xxxxxx) | The Final Closing Disclosure provided on xxxxxx did not disclose the required Lender's NMLS ID number |  |  | Reviewer Comment (2025-09-08): Exception cured prior to discovery.<br>Reviewer Comment (2025-09-04): Please provide LOE to complete cure. |  | 09/08/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 845590 | xxxxxx | 34251988 | xxxxxx | 08/25/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | All parties to the transaction were not included in Fraud/OFAC search. The Property Sellers, xxxxxx are missing. |  |  | Reviewer Comment (2025-08-29): Received OFAC and LDP for property Sellers, xxxxxx xxxxxx and xxxxxx. Exception cleared. | 08/29/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 845591 | xxxxxx | 34279178 | xxxxxx | 08/25/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Desk Review not provided |  | xxxxxx CU 1.6 and xxxxxx CU 5.0. Due to discrepancy, a secondary valuation is required. |  |  | Reviewer Comment (2025-09-05): Received CDA. Exception cleared. | 09/05/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 845605 | xxxxxx | 34575280 | xxxxxx | 09/30/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  | Reviewer Comment (2025-10-01): Approval provided | 10/01/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 845605 | xxxxxx | 34575378 | xxxxxx | 09/30/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $2,640.00 exceeds tolerance of $2,584.00. Sufficient or excess cure was provided to the borrower at Closing. (8304) | Lender cure of $56.00 is reflceting on Final CD. |  |  | Reviewer Comment (2025-09-25): Sufficient Cure Provided At Closing |  | 09/25/2025 |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure A | A | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 845605 | xxxxxx | 34593306 | xxxxxx | 09/30/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Form 1007 or 1025, with Market Rents | Rental income used on departure residence. 1007 required with estimated rents |  |  | Reviewer Comment (2025-10-06): Received updated1003 with rental income removed. Exception cleared.<br>Reviewer Comment (2025-10-02): The initial and final 1003's reflect rental income was utilized for this property. If rental income was not utilized, provide the updated 1003. | 10/06/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 845712 | xxxxxx | 34593391 | xxxxxx | 09/30/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | The provided appraisal report dated xxxxxx does not have subject property interior / exterior photos, comparable photos nor appraiser's license or signature. |  |  | Reviewer Comment (2025-10-01): Complete appraisal provided | 10/01/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Second Home | Purchase | D A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 845723 | xxxxxx | 34319555 | xxxxxx | 09/03/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  |  | Reviewer Comment (2025-09-08): Received Title Final. Exception cleared. | 09/08/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Purchase | C B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 845723 | xxxxxx | 34319569 | xxxxxx | 09/03/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  | Reviewer Comment (2025-09-08): Received Title Final. Exception cleared. | 09/08/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Primary | Purchase | C B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 845723 | xxxxxx | 34335072 | xxxxxx | 09/03/2025 | Credit | Guideline | Guideline Issue | Guideline | Program Guidelines require the borrower has been in business for a minimum of 2 years. |  | The business for xxxxxx was started on xxxxxx which is < 2 years. Per guidelines, the business being utilized to qualify must be open and active for 2 years. The CPA letters states the business was incorporated under this name in xxxxxx which conflicts with the SOS which reflects xxxxxx . Per the business license in file, the business was under the name xxxxxx Being in the same line of work and the same business are not one on the same thing. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | Reviewer Comment (2025-09-18): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-09-11): The LOE from the borrower is not acceptable. Unless supporting documentation can be provided that the active business didn't change and was reported on Schedule C under the same name prior to incorporating from a third party, the date considered as opened is xxxxxx per the SOS. |  |  | 09/18/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Purchase | C B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 845736 | xxxxxx | 34307508 | xxxxxx | 08/28/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Form 1007 or 1025, with Market Rents | Departure residence requires a 1007 / Market Rents when utilizing rental income per guidelines |  |  | Reviewer Comment (2025-09-18): Received comparable rent schedule. Exception cleared. | 09/18/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 845739 | xxxxxx | 34486362 | xxxxxx | 09/19/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx CPA Letter | CPA letter in file is not dated. |  |  | Reviewer Comment (2025-09-29): Per client accepting updated preparer letter with date.<br>Reviewer Comment (2025-09-29): Received CPA letter appears to be an altered document. Font size (date) should be same throughout the letter. Provide updated CPA letter. Exception remains. | 09/29/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 845739 | xxxxxx | 34486366 | xxxxxx | 09/19/2025 | Credit | Missing Document | General | Missing Document | Missing Document: UCC Financing Statement/Certificate of Title not provided |  | Missing UCC Finance statement confirming UCC is terminated. |  |  | Reviewer Comment (2025-09-25): Received UCC Finance statement verifying UCC is terminated. Exception cleared. | 09/25/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 845739 | xxxxxx | 34486367 | xxxxxx | 09/19/2025 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  | Reviewer Comment (2025-09-25): Received initial 1003 signed/dated by both borrowers. Exception cleared. | 09/25/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 845739 | xxxxxx | 34486410 | xxxxxx | 09/19/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Insurance Verification, Other, Tax Verification | Missing evidence verifying xxxxxx is free and clear, and documentation verifying Taxes and Insurance. |  |  | Reviewer Comment (2025-09-26): Received document and explanation. Exception cleared.<br>Reviewer Comment (2025-09-24): Received xxxxxx search to verify property is xxxxxx, along with HOA document. Provide property history report to verify that the property is free and clear. Exception remains. | 09/26/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 845739 | xxxxxx | 34486488 | xxxxxx | 09/19/2025 | 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. | CPA letter in file is not dated. |  |  | Reviewer Comment (2025-09-29): Per client accepting updated preparer letter with date.<br>Reviewer Comment (2025-09-29): Received CPA letter appears to be an altered document. Font size (date) should be same throughout the letter. Provide updated CPA letter. Exception remains. | 09/29/2025 |  |  | 1 | B A C | B A C | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 845739 | xxxxxx | 34486489 | xxxxxx | 09/19/2025 | 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. | CPA letter in file is not dated. |  |  | Reviewer Comment (2025-09-29): Per client accepting updated preparer letter with date.<br>Reviewer Comment (2025-09-29): Received CPA letter appears to be an altered document. Font size (date) should be same throughout the letter. Provide updated CPA letter. Exception remains. | 09/29/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 845739 | xxxxxx | 34511883 | xxxxxx | 09/19/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Creditor Application Date was not provided |  | Initial 1003 is not signed or dated in file. Alternative application date not provided. |  |  | Reviewer Comment (2025-09-25): Received initial 1003 signed/dated by both borrowers. Exception cleared. | 09/25/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 845786 | xxxxxx | 34259520 | xxxxxx | 08/25/2025 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | Mortgagee clause is missing ISAOA |  |  | Reviewer Comment (2025-08-27): Updated HOI provided<br>Reviewer Comment (2025-08-27): No new documents received. Please try uploading again. | 08/27/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | A | A | N/A | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 845786 | xxxxxx | 34259656 | xxxxxx | 08/25/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | All parties to the transaction were not included. The Seller xxxxxx, signing on behalf of xxxxxx, is missing. |  |  | Reviewer Comment (2025-08-28): Received Fraud and OFAC search run on selller. Exception cleared.<br>Reviewer Comment (2025-08-27): Fraud report in file does not reflect OFAC search run on the seller xxxxxx. Exception remains. | 08/28/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | A | A | N/A | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 845788 | xxxxxx | 34393542 | xxxxxx | 09/10/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor exception: Requesting exception for use actual lease rents in lieu of lower market rents without providing 2 months rent deposits. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Credit score 30+ points > minimum required | Reviewer Comment (2025-09-09): Client elects to waive with verified compensation factors |  |  | 09/09/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 845788 | xxxxxx | 34395051 | xxxxxx | 09/10/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide evidence the primary residence is free and clear. Property profile report reflects a lien for xxxxxx as of xxxxxx not reporting on credit. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Credit score 30+ points > minimum required | Reviewer Comment (2025-09-16): Client elects to waive with verified compensation factors |  |  | 09/16/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 845854 | xxxxxx | 34476517 | xxxxxx | 09/18/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a xxxxxx/xxxxxx form and does not contain the following clauses: | Homestead Exemption Waiver |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. |  | Reviewer Comment (2025-09-18): Client elects to waive |  |  | 09/18/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 845854 | xxxxxx | 34476572 | xxxxxx | 09/18/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for UCC Termination. Fee Amount of $108.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7712) | The PC-CD in file reflects a UCC termination fee for $108 was added. |  |  | Reviewer Comment (2025-09-24): SitusAMC received corrected PCCD and LOE<br>Reviewer Comment (2025-09-23): SitusAMC received PCCD removing the fee, however we also require LOE and true & certified copy of final settlement statement to verify fees charged at closing. | 09/24/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 845876 | xxxxxx | 34302579 | xxxxxx | 09/02/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Statement | Additional lien on current primary residence. Provide evidence of the P&I. |  |  | Reviewer Comment (2025-09-06): First payment letter, Note and final closing statement provided | 09/06/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B | C | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 845876 | xxxxxx | 34302624 | xxxxxx | 09/02/2025 | Credit | Guideline | Guideline Issue | Guideline | Up to 3 NSF checks and overdraft protection transfers in the most recent 12-month period are allowed with explanation from the borrower per guideline. Explanation not found in file. |  | NSF/Overdraft payments- If there are one (1) or more occurrences in the most recent three-month time period, up to three (3) occurrences are allowed in the most recent 12-month time period. NSF guidelines not met. (4) | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | Reviewer Comment (2025-09-17): Client elects to waive with verified compensation factors |  |  | 09/17/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B | C | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 845876 | xxxxxx | 34302859 | xxxxxx | 09/02/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 54.47902% exceeds Guideline total debt ratio of 50.00000%. | xxxxxx were included in the DTI calculation Per 1008, debt was excluded due to paid off on concurrent refinance xxxxxx, however, supporting documents were not provided. Must also reflect the two secondary HELOC liens on the current primary as paid off as reflected on the credit supplement xxxxxx |  |  | Reviewer Comment (2025-09-10): DOT provided with consummation date of xxxxxx which is the same as the consummation date for current transaction. Final stamped closing statement reflects debt paid off on concurrent transaction closing. Can be excluded since closed at the same time. DTI is now within guidelines.<br>Reviewer Comment (2025-09-06): The settlement statement is dated post-close xxxxxx Debt was not paid off until after this transactions' closing and should have been included in the DTI. Further, the Note for the second lien on the REO was provided post review which reflected an increased payment than disclosed on the 1003. New DTI is 54.47902%. If the REO loan closed on xxxxxx based on the print date of the Note provided, provide the DOT to support consummation date to see if debt can be excluded.<br>Reviewer Comment (2025-09-06): EXCEPTION HISTORY - Exception Explanation was updated on xxxxxx PRIOR Exception Explanation: Calculated investor qualifying total debt ratio of 53.43688% exceeds Guideline total debt ratio of 50.00000%. | 09/10/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B | C | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 845876 | xxxxxx | 34306977 | xxxxxx | 09/02/2025 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | ISAOA is not reflected. |  |  | Reviewer Comment (2025-09-10): Updated HOI provided. Per client accepts updates to mortgagee post close.<br>Reviewer Comment (2025-09-08): The xxxxxx is missing from Corporation on the updated HOI | 09/10/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B | C | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 845876 | xxxxxx | 34319543 | xxxxxx | 09/02/2025 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - High Cost as Primary | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment). If tested as primary residence, loan exceeds one or more high cost thresholds. | Initial 1003, dec page, reflects intent to occupy. Corrected on the Final 1003. Provide the lender attestation on error. |  |  | Reviewer Comment (2025-09-06): Attestation provided | 09/06/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C B | C | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 846000 | xxxxxx | 34393983 | xxxxxx | 09/11/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $1,150,881.50 is over disclosed by $125.00 compared to the calculated Amount Financed of $1,150,756.50 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 xxxxxx). (Final xxxxxx) | Final Closing Disclosure disclosed an amount financed of $1,150,881.50; calculated amount financed is $1,150,756.50. Variance is $125.00 for the Appraisal Management fee. |  |  | Reviewer Comment (2025-10-07): SitusAMC received PCCD, LOE, Copy of Refund Check, Re-opening of Rescission and Proof of Receipt.<br>Reviewer Comment (2025-09-29): This is a material exception on a rescindable transaction and requires reopening of rescission and proof of delivery of RTC to complete cure. Further, the RTC must allow the borrower three days to cancel the transaction from date of delivery.<br>Reviewer Comment (2025-09-16): AMC fee is excludable if it is primarily for services related to items listed in 1026.4(c)(7) such as the cost of verifying or confirming information connected to the appraisal. Otherwise, if a lump sum charged for several services includes charges that are not excludable, a portion of the total should be allocated to those services and included in the finance charge. If the AMC's fee is primarily for verifying or confirming information connected to the appraisal, please provide an attestation indicating such, otherwise, if a creditor is uncertain about what portion of a fee to be paid at consummation or loan closing is related to a 4c7 excludable service, the entire fee may be treated as a finance charge. |  | 10/07/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 846000 | xxxxxx | 34393984 | xxxxxx | 09/11/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $1,615,449.56 is under disclosed by $125.00 compared to the calculated Finance Charge of $1,615,574.56 which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xxxxxx). (Final xxxxxx) | Final Closing Disclosure disclosed a finance charge of $1,615,449.56; calculated finance charge is $1,615,574.56. Variance is $125.00 for the Appraisal Management fee. |  |  | Reviewer Comment (2025-10-07): SitusAMC received PCCD, LOE, Copy of Refund Check, Re-opening of Rescission and Proof of Receipt.<br>Reviewer Comment (2025-09-29): This is a material exception on a rescindable transaction and requires reopening of rescission and proof of delivery of RTC to complete cure. Further, the RTC must allow the borrower three days to cancel the transaction from date of delivery.<br>Reviewer Comment (2025-09-16): AMC fee is excludable if it is primarily for services related to items listed in 1026.4(c)(7) such as the cost of verifying or confirming information connected to the appraisal. Otherwise, if a lump sum charged for several services includes charges that are not excludable, a portion of the total should be allocated to those services and included in the finance charge. If the AMC's fee is primarily for verifying or confirming information connected to the appraisal, please provide an attestation indicating such, otherwise, if a creditor is uncertain about what portion of a fee to be paid at consummation or loan closing is related to a 4c7 excludable service, the entire fee may be treated as a finance charge. |  | 10/07/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 846000 | xxxxxx | 34414084 | xxxxxx | 09/11/2025 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | Mortgagee + ISAOA is missing |  |  | Reviewer Comment (2025-10-07): Updated HOI provided | 10/07/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846019 | xxxxxx | 34592007 | xxxxxx | 09/30/2025 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | HO6 policy has mortgagee only, missing the ISAOA |  |  | Reviewer Comment (2025-10-03): Updated HO6 provided | 10/03/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 846019 | xxxxxx | 34592218 | xxxxxx | 09/30/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor exception in file, Borrower is a FTHB purchasing an investment property and not a primary residence. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Credit Score 30+ points > minimum required | Reviewer Comment (2025-09-29): Client elects to waive with verified compensation factors |  |  | 09/29/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Purchase | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 846019 | xxxxxx | 34592259 | xxxxxx | 09/30/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | The most recent issued/completed appraisal in file with a report date of xxxxxx is not signed by the appraiser, has no subject or comp photos and no copy of appraiser license. |  |  | Reviewer Comment (2025-10-01): Completed appraisal provided | 10/01/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Investment | Purchase | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 846020 | xxxxxx | 34402414 | xxxxxx | 09/11/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx Source of Large Deposit | Provide the source of following large deposit to qualify borrower:<br> xxxxxx $12,980.00<br> xxxxxx $15,558.00<br> xxxxxx 21,404.65<br> xxxxxx $22,794.90<br> xxxxxx $13,409.50<br> xxxxxx $14,765.60<br> xxxxxx $13,300.00<br> xxxxxx $16,225.00 |  |  | Reviewer Comment (2025-09-15): Removed the xxxxxx deposit. The 1/2025 deposit was excluded at time of review. Other deposits are not > 100% of the average monthly sales, therefore do not require sourcing for income per guidelines. | 09/15/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846020 | xxxxxx | 34402469 | xxxxxx | 09/11/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 9.48617% or Final Disclosure APR of 9.57600% is equal to or greater than the threshold of APOR 6.63% + 1.5%, or 8.13000%. Non-Compliant Higher Priced Mortgage Loan. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  | Reviewer Comment (2025-09-24): LOE by borrower provided on receipt of appraisal. Loan is HPML Compliant<br>Reviewer Comment (2025-09-15): Appraisal delivery received dated xxxxxx with no evidence of borrower receipt. The 3 day mailbox rule is applied. Presumed received date is xxxxxx which is not within 3 business days prior to closing. | 09/24/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846020 | xxxxxx | 34402470 | xxxxxx | 09/11/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx |  |  |  | Reviewer Comment (2025-09-24): LOE by borrower provided on receipt of appraisal. Loan is HPML Compliant<br>Reviewer Comment (2025-09-15): Appraisal delivery received dated xxxxxx with no evidence of borrower receipt. The 3 day mailbox rule is applied. Presumed received date is xxxxxx which is not within 3 business days prior to closing. | 09/24/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846020 | xxxxxx | 34402471 | xxxxxx | 09/11/2025 | 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. | A verbal VOE dated no more than 10 calendar days prior to Note date. |  |  | Reviewer Comment (2025-09-15): VVOE provided | 09/15/2025 |  |  | 1 | B A C | B A C | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM status C B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 846020 | xxxxxx | 34402472 | xxxxxx | 09/11/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-2 | Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. (xxxxxx/Wages) | Provide the VVOE dated within 10 days prior to the Note date for the co-borrower. |  |  | Reviewer Comment (2025-09-15): VVOE provided | 09/15/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846020 | xxxxxx | 34402473 | xxxxxx | 09/11/2025 | 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. | Provide the source of following large deposit to qualify borrower:<br> xxxxxx $12,980.00<br> xxxxxx $15,558.00<br> xxxxxx 21,404.65<br> xxxxxx $22,794.90<br> xxxxxx $13,409.50<br> xxxxxx $14,765.60<br> xxxxxx $13,300.00<br> xxxxxx $16,225.00 |  |  | Reviewer Comment (2025-09-15): Removed the xxxxxx deposit. The 1/2025 deposit was excluded at time of review. Other deposits are not > 100% of the average monthly sales, therefore do not require sourcing for income per guidelines.<br>Reviewer Comment (2025-09-15): VVOE received. Pending receipt of source of large deposits. | 09/15/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846020 | xxxxxx | 34402475 | xxxxxx | 09/11/2025 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Provide the VVOE dated within 10 days prior to the Note date for the co-borrower. |  |  | Reviewer Comment (2025-09-15): VVOE provided | 09/15/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846020 | xxxxxx | 34402476 | xxxxxx | 09/11/2025 | Compliance | Compliance | State Compliance | State HPML | (State HPML) xxxxxx Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold) | xxxxxx Higher-Priced Mortgage Loan: APR on subject loan of 9.48617% or Final Disclosure APR of 9.57600% is equal to or greater than the threshold of APOR 6.63% + 1.5%, or 8.13000%. Compliant Higher Priced Loan. |  |  |  | Reviewer Comment (2025-09-11): Client elects to waive. Loan is HPML Compliant |  |  | 09/11/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Purchase | No obvious cure C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846020 | xxxxxx | 34416032 | xxxxxx | 09/11/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Provide the updated 1003 for the co-borrower. Years / Months for current address not provided. |  |  | Reviewer Comment (2025-09-15): Updated 1003 provided | 09/15/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846020 | xxxxxx | 34416209 | xxxxxx | 09/11/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. | Borrower: xxxxxx // Employment Type: Employment / Income Type: Wages / Start date: xxxxxx | A verbal VOE dated no more than 10 calendar days prior to Note date. |  |  | Reviewer Comment (2025-09-15): VVOE provided | 09/15/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846020 | xxxxxx | 34451653 | xxxxxx | 09/15/2025 | 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. | Provide the source of following large deposit to qualify borrower:<br> xxxxxx $12,980.00<br> xxxxxx $15,558.00<br> xxxxxx 21,404.65<br> xxxxxx $22,794.90<br> xxxxxx $13,409.50<br> xxxxxx $14,765.60<br> xxxxxx $13,300.00<br> xxxxxx $16,225.00 |  |  | Reviewer Comment (2025-09-15): Removed the xxxxxx deposit. The 1/2025 deposit was excluded at time of review. Other deposits are not > 100% of the average monthly sales, therefore do not require sourcing for income per guidelines. | 09/15/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 846020 | xxxxxx | 34470657 | xxxxxx | 09/15/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Large deposits were not sourced and/or letter of explanation was not provided. |  | Provide the source of following large deposit to qualify borrower (needed for assets). <br> xxxxxx $12,980.00<br> xxxxxx $15,558.00<br> xxxxxx 21,404.65<br> xxxxxx $22,794.90<br> xxxxxx $13,409.50<br> xxxxxx $14,765.60<br> xxxxxx $13,300.00<br> xxxxxx $16,225.00 |  |  | Reviewer Comment (2025-09-18): Removed large deposit for $16,225 per client request. Per client, since the guidelines only require 1 month asset statements dated within 120 days of closing, the most recent 1 month only needs to be analyzed for large deposits. Requested clearance. | 09/18/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846031 | xxxxxx | 34341986 | xxxxxx | 09/08/2025 | Credit | Guideline | Guideline Issue | Guideline | Experience level does not meet the guideline requirements for an experienced investor. |  | Requirements for First-time investor is borrower must own primary residence and DSCR > 1.00. Borrower is a First-time investor, living rent free and the DSCR is < 1.00. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | Reviewer Comment (2025-09-15): Client elects to waive with verified compensation factors |  |  | 09/15/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 846031 | xxxxxx | 34358144 | xxxxxx | 09/08/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | Reviewer Comment (2025-09-15): Client elects to waive with verified compensation factors |  |  | 09/15/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 846031 | xxxxxx | 34359993 | xxxxxx | 09/08/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Minimum square footage per unit is 400. Unit xxxxxx is xxxxxx. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | Reviewer Comment (2025-09-15): Client elects to waive with verified compensation factors |  |  | 09/15/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 846031 | xxxxxx | 34360015 | xxxxxx | 09/08/2025 | Credit | Guideline | Guideline Issue | Guideline | Borrower is a first time home buyer and ineligible per guidelines. | Borrower: xxxxxx | First time homebuyer's not allowed on DSCR | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | Reviewer Comment (2025-09-15): Client elects to waive with verified compensation factors |  |  | 09/15/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 846033 | xxxxxx | 34358673 | xxxxxx | 08/25/2025 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of 659 is less than Guideline representative FICO score of 660. | Lender exception approved at origination for FICO 659 less than guideline minimum 660. Comp factors 1.15 DSCR. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months<br>The DSCR of 1.15 is greater than the minimum required DSCR of 1.00 | Reviewer Comment (2025-08-29): Waived with compensating factors per lender exception approval at origination.<br>Reviewer Comment (2025-08-22): Unable to waive due to a lack of valid compensating factors. All assets verified are from net proceeds FICO score is below the minimum, DSCR is only 15 points above the required minimum and LTV is at max. |  |  | 08/29/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 846033 | xxxxxx | 34358674 | xxxxxx | 08/25/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide a 12 month rent payment history for borrowers primary residence. Additional conditions may apply. |  |  | Reviewer Comment (2025-08-29): Cleared with LOX and pay history. Borrower does not own the home, but she does pay the mortgage. | 08/29/2025 |  |  | 1 | C A | C A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 846034 | xxxxxx | 34478647 | xxxxxx | 08/28/2025 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | Missing OFAC for business entity. |  |  | Reviewer Comment (2025-09-15): cleared with Fraud/OFAC.<br>Reviewer Comment (2025-09-10): The two dates at the bottom of the form from the OFAC website are missing on the document. Please provide full OFAC search<br>Reviewer Comment (2025-09-03): Provide the full page. Document provided is cut off. | 09/15/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 846035 | xxxxxx | 34342155 | xxxxxx | 09/08/2025 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | Lender only. Missing ISAOA |  |  | Reviewer Comment (2025-09-19): Updated HOI provided | 09/19/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 846035 | xxxxxx | 34342161 | xxxxxx | 09/08/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | Address on Hazard policy reflects Units xxxxxx, note does not list any unit numbers | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | Reviewer Comment (2025-09-15): Client elects to waive with verified compensation factors |  |  | 09/15/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 846039 | xxxxxx | 34358676 | xxxxxx | 08/25/2025 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Missing final HUD-1 or closing statement. |  |  | Reviewer Comment (2025-08-28): cleared with final SS | 08/28/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 846042 | xxxxxx | 34358696 | xxxxxx | 06/12/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note date: xxxxxx; Lien Position: 1 | Secondary valuation is missing. |  |  | Reviewer Comment (2025-06-27): A CDA was provided. | 06/27/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B C | B | A D | Exempt from ATR | N/A | No | Mortgagor Focused |
| xxxxxx | 846042 | xxxxxx | 34358698 | xxxxxx | 06/12/2025 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of xxxxxx which is 1 months prior to consummation. A lookback was performed to determine this application date. | Initial Application is missing. |  |  | Reviewer Comment (2025-06-17): The initial application was provided | 06/17/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B C | B | A D | Exempt from ATR | N/A | No | Mortgagor Focused |
| xxxxxx | 846042 | xxxxxx | 34358699 | xxxxxx | 06/12/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Rider - Acknowledgment and Waiver of Borrower's Rights not provided |  | The file is missing the xxxxxx Acknowledgment and Waiver of Borrower's Rights disclosing the date of notary signature. |  |  | Reviewer Comment (2025-07-01): cleared<br>Reviewer Comment (2025-07-01): Provided on Security Instrument and cleared. | 07/01/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B C | B | A D | Exempt from ATR | N/A | No | Mortgagor Focused |
| xxxxxx | 846042 | xxxxxx | 34358701 | xxxxxx | 06/12/2025 | Credit | Credit | Credit Documentation | Guideline | The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file. |  | 12 months' mortgage payment history is required. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more.<br>Borrower has verified disposable income of at least $2500.00. | DTI: 18.98334% <br> Guideline Maximum DTI: 50.00000%<br>Loan Purpose: Refinance<br> Monthly Debt Reduction: -31.08808%<br>Documentation Type: 12mo CPA P&L<br> Disposable Income: $18,108.60 | Reviewer Comment (2025-08-06): Waived with compensating factors per lender exception approval.<br>Reviewer Comment (2025-07-28): Provide xxxxxx statement. There is a duplicate statement in the file. Only 11 months verified.<br>Reviewer Comment (2025-07-28): clear<br>Reviewer Comment (2025-07-10): Upon review of the mortgage statements provided, please provide evidence of the xxxxxx payment and xxxxxx payment to complete the required 12 month history.<br>Reviewer Comment (2025-07-01): Multiple mortgage statements reflect past due payments. Provide evidence none were over 30 days past due. |  |  | 08/06/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B C | B | A D | Exempt from ATR | N/A | No | Mortgagor Focused |
| xxxxxx | 846049 | xxxxxx | 34678803 | xxxxxx | 08/20/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The 1099 used for income shows that the income is paid to a business which is not permitted per the guidelines. |  |  | Reviewer Comment (2025-09-02): Cleared. The 1099 reflects the borrower xxxxxx. The recipients TIN is the borrowers SSN.<br>Reviewer Comment (2025-08-27): P&L guidelines do not permit 1099's being paid to a business. | 09/02/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B | A | A | Exempt from ATR | N/A | No | Mortgagor Focused |
| xxxxxx | 846049 | xxxxxx | 34678804 | xxxxxx | 08/20/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx 24 month VOE with Income | VOE from the current contract employer covering the most recent 2 years plus YTD earnings Must also verify likelihood of continued contractor status. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 63.28<br> Guideline Requirement: 3.00<br>DTI: 35.99069% <br> Guideline Maximum DTI: 50.00000%<br>Guidelines Representative FICO: 680<br> Representative FICO: 810 | Reviewer Comment (2025-09-26): Waived with compensating factors per lender exception approval.<br>Reviewer Comment (2025-08-27): Guidelines require all 1099's and a 2 year VOE with specific information required. See GL's. YTD income has been verified with bank statements. |  |  | 09/26/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Purchase | C B | A | A | Exempt from ATR | N/A | No | Mortgagor Focused |
| xxxxxx | 846049 | xxxxxx | 34678805 | xxxxxx | 08/20/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | VOE from the current contract employer covering the most recent 2 years plus YTD earnings Must also verify likelihood of continued contractor status. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | DTI: 35.99069% <br> Guideline Maximum DTI: 50.00000%<br>Reserves: 63.28<br> Guideline Requirement: 3.00<br>Guidelines Representative FICO: 680<br> Representative FICO: 810 | Reviewer Comment (2025-09-26): Waived with compensating factors per lender exception approval.<br>Reviewer Comment (2025-08-27): Guidelines require all 1099's and a 2 year VOE with specific information required. See GL's. YTD income has been verified with bank statements. |  |  | 09/26/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Purchase | C B | A | A | Exempt from ATR | N/A | No | Mortgagor Focused |
| xxxxxx | 846053 | xxxxxx | 34358694 | xxxxxx | 06/11/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on xxxxxx not received by borrower at least four (4) business days prior to closing. (Interim xxxxxx) | Revised Loan Estimate provided on xxxxxx is missing evidence of receipt at least four (4) business days prior to closing. |  |  | Reviewer Comment (2025-07-10): Received signed xxxxxx LE in trailing docs. | 07/10/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure A | C | A | Exempt from ATR | Exempt from ATR | No | Mortgagor Focused |
| xxxxxx | 846157 | xxxxxx | 34522589 | xxxxxx | 09/23/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Schedule C xxxxxx Vacation Mode 1) CPA letter is not signed 2) P&L is not signed and dated by the borrower. <br> xxxxxx 1) Business returns are not signed and dated by the borrower. |  |  | Reviewer Comment (2025-10-08): Received Business returns signed and dated by the borrower. Exception cleared.<br>Reviewer Comment (2025-10-03): Received Form 8879-S, but it is not signed or dated by the borrower. Please provide a version that is signed and dated by the borrower. Exception remains.<br>Reviewer Comment (2025-10-01): Received signed and dated P&L Statement. However received 1120-S for xxxxxx is e-signed by borrower. Therefore provide 8879-S signed and dated by borrower. Exception remains.<br>Reviewer Comment (2025-09-29): Received CPA letter for "xxxxxx". However, P&L is not signed and dated by the borrower for xxxxxx. Business returns for xxxxxx are not signed and dated by the borrower (provided sign page is of 1040). Exception remains.<br>Reviewer Comment (2025-09-26): Received CPA letter is for xxxxxx. However the documents requested is for Schedule C xxxxxx. Please provide document as requested on the original condition. Exception remains. | 10/08/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 846168 | xxxxxx | 34515440 | xxxxxx | 09/23/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 9.17498% or Final Disclosure APR of 9.23600% is equal to or greater than the threshold of APOR 6.63% + 1.5%, or 8.13000%. Non-Compliant Higher Priced Mortgage Loan. | Evidence of appraisal deliveries not provided |  |  | Reviewer Comment (2025-10-06): Deliveries provided<br>Reviewer Comment (2025-10-01): The same document was provided this time with verbiage typed in above the borrower's signature and no choice provided. The document is not acceptable. The actual appraisal deliveries to the borrower are required.<br>Reviewer Comment (2025-09-29): The same document was provided with a choice selected. The lender cannot choose for the borrower and there is no indication the borrower made this choice. Also, a waiver is not allowed on HPML loans. Provide the actual appraisal delivery for both the prelim and updated appraisals.<br>Reviewer Comment (2025-09-25): The disclosure provided is not acceptable as it does not specify which occurred (receipt or waiver). Provide evidence of delivery of appraisals to the borrower. | 10/06/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846168 | xxxxxx | 34515441 | xxxxxx | 09/23/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx |  |  |  | Reviewer Comment (2025-10-06): Deliveries provided<br>Reviewer Comment (2025-10-01): The same document was provided this time with verbiage typed in above the borrower's signature and no choice provided. The document is not acceptable. The actual appraisal delivery to the borrower is required.<br>Reviewer Comment (2025-09-29): The same document was provided with a choice selected. The lender cannot choose for the borrower and there is no indication the borrower made this choice. Also, a waiver is not allowed on HPML loans. Provide the actual appraisal delivery for both the prelim and updated appraisals.<br>Reviewer Comment (2025-09-25): The disclosure provided is not acceptable as it does not specify which occurred (receipt or waiver). Provide evidence of delivery of appraisals to the borrower. | 10/06/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846168 | xxxxxx | 34515442 | xxxxxx | 09/23/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Client:52630 xxxxxx |  |  |  | Reviewer Comment (2025-10-06): Deliveries provided<br>Reviewer Comment (2025-10-01): The same document was provided this time with verbiage typed in above the borrower's signature and no choice provided. The document is not acceptable. The actual appraisal delivery to the borrower is required.<br>Reviewer Comment (2025-09-29): The same document was provided with a choice selected. The lender cannot choose for the borrower and there is no indication the borrower made this choice. Also, a waiver is not allowed on HPML loans. Provide the actual appraisal delivery for both the prelim and updated appraisals.<br>Reviewer Comment (2025-09-25): The disclosure provided is not acceptable as it does not specify which occurred (receipt or waiver). Provide evidence of delivery of appraisals to the borrower. | 10/06/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846168 | xxxxxx | 34515448 | xxxxxx | 09/23/2025 | Compliance | Compliance | Federal Compliance | TRID | TIL HPML Appraisal Disclosure - HPML Status | HPML - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure. | Evidence of Right to receive a copy of the Appraisal Disclosure is missing in the file. |  |  | Reviewer Comment (2025-09-25): Initial LE provided with Right to Receive appraisal verbiage on it. | 09/25/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | Good faith redisclosure C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846168 | xxxxxx | 34515449 | xxxxxx | 09/23/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TILA-RESPA Integrated Disclosure: application date on or after xxxxxx , no Loan Estimates in the Loan File | TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $26,526.25 may be required. | The Loan Estimate is not provided in the file and is missing. |  |  | Reviewer Comment (2025-09-29): SitusAMC received xxxxxx LE's & changed circumstance. | 09/29/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846168 | xxxxxx | 34515451 | xxxxxx | 09/23/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | A gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 30- days prior to loan closing or any time after closing.<br> • Any new tradeline with a balance must be included in determining the DTI ratio. |  |  | Reviewer Comment (2025-09-26): Received Credit Refresh Report dated xxxxxx . Exception cleared. | 09/26/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846168 | xxxxxx | 34515455 | xxxxxx | 09/23/2025 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  |  | Reviewer Comment (2025-09-25): E-Consent provided | 09/25/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846168 | xxxxxx | 34521878 | xxxxxx | 09/23/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  | Reviewer Comment (2025-09-25): Approval provided | 09/25/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846168 | xxxxxx | 34522453 | xxxxxx | 09/23/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Final 1003 shows "Rent" for the borrower's residence on page 1, but in Section 3 it is shown as property owned and primary residence. Please provide a corrected final 1003. |  |  | Reviewer Comment (2025-09-25): Updated 1003 provided. xxxxxx owned and rents land. | 09/25/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846197 | xxxxxx | 34425638 | xxxxxx | 09/12/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 43.66903% exceeds Guideline total debt ratio of 43.00000%. | Rent free max 43%. Investor exception in file. | Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Credit 30+ points > minimum required | Reviewer Comment (2025-09-11): Client elects to waive with verified compensation factors |  |  | 09/11/2025 | 2 | B | B | xxxxxx | xxxxxx | Second Home | Purchase | B | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846197 | xxxxxx | 34425641 | xxxxxx | 09/12/2025 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - Not High Cost and Not Higher Priced | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Second Home). | Initial 1003 reflects primary and intent to occupy |  |  | Reviewer Comment (2025-09-11): Client elects to waive |  |  | 09/11/2025 | 2 | B | B | xxxxxx | xxxxxx | Second Home | Purchase | B | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846197 | xxxxxx | 34425644 | xxxxxx | 09/12/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 43.66903% moderately exceeds the guideline maximum of 43.00%. (DTI Exception is eligible to be regraded with compensating factors.) | Rent free max 43% | Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Credit 30+ points > minimum required | Reviewer Comment (2025-09-11): Client elects to waive with verified compensation factors |  |  | 09/11/2025 | 2 | B | B | xxxxxx | xxxxxx | Second Home | Purchase | B | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846198 | xxxxxx | 34440421 | xxxxxx | 09/16/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  | Reviewer Comment (2025-09-19): Received Title Preliminary. Exception cleared. | 09/19/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | A | A D | N/A | Non QM | No | Mortgagor Focused |
| xxxxxx | 846198 | xxxxxx | 34440632 | xxxxxx | 09/16/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx, Address: xxxxxx Statement<br> Statement | Please provide evidence of full PITIA for both properties. Provide Mortgage Statement, if taxes and insurance are not escrowed then required documents of taxes and insurance. If there is an HOA on the property, then require evidence for the same. |  |  | Reviewer Comment (2025-09-22): Received Mortgage Statement. Exception cleared. | 09/22/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | A | A D | N/A | Non QM | No | Mortgagor Focused |
| xxxxxx | 846198 | xxxxxx | 34441064 | xxxxxx | 09/16/2025 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  |  |  |  | Reviewer Comment (2025-09-22): Received Credit report for both borrowers. Exception cleared. | 09/22/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | A | A D | N/A | Non QM | No | Mortgagor Focused |
| xxxxxx | 846198 | xxxxxx | 34441175 | xxxxxx | 09/16/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | A gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 30- days prior to loan closing or any time after closing. |  |  | Reviewer Comment (2025-09-22): Received UDM dated xxxxxx . Exception cleared. | 09/22/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | A | A D | N/A | Non QM | No | Mortgagor Focused |
| xxxxxx | 846198 | xxxxxx | 34441360 | xxxxxx | 09/16/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note date: xxxxxx; Lien Position: 1 |  |  |  | Reviewer Comment (2025-09-22): Received UCDP SRR for xxxxxx. Exception cleared. | 09/22/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | A | A D | N/A | Non QM | No | Mortgagor Focused |
| xxxxxx | 846198 | xxxxxx | 34441667 | xxxxxx | 09/16/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | The file is missing document to verify housing history for all properties, since the credit report is missing. If credit report does not have mortgage lien, then provide<br> 1. Mortgage statement or Note for the review period to verify monthly payment amount 2. Proof of payments through one of the following: 12-months cancelled checks, ACH payment, bank transfer/wire, or electronic payment method from the borrower Payments made in cash are not eligible, or 12-months mortgage statements for the review period, or 12-months loan payment history from the creditor/servicer Proof of borrower's payment for the most recent 6-months is required, or 12-months Verification of Mortgage form (VOM) completed by the creditor/servicer Proof of borrower's payment for the most recent 6-months is required Credit supplement Proof of borrower's payment for the most recent 6-months is required. |  |  | Reviewer Comment (2025-09-22): Received credit report reflecting mortgage lien for all properties. Exception cleared. | 09/22/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | A | A D | N/A | Non QM | No | Mortgagor Focused |
| xxxxxx | 846198 | xxxxxx | 34498895 | xxxxxx | 09/19/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  | Reviewer Comment (2025-09-22): Received Title Supplement Report. Exception cleared. | 09/22/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | A | A D | N/A | Non QM | No | Mortgagor Focused |
| xxxxxx | 846198 | xxxxxx | 34516822 | xxxxxx | 09/22/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Card Statement not provided |  | The borrower's credit report reflects outstanding balances of $22,583 for the xxxxxx and $3,885 for xxxxxx/xxxxxx. However, the Final Closing Disclosure indicates that the amounts paid at closing were $22,369.03 and $3,812.66, respectively. These payoff amounts are less than the balances reported on the credit report. |  |  | Reviewer Comment (2025-09-23): Received Credit Card statements matching the amounts paid at closing. Exception cleared. | 09/23/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | A | A D | N/A | Non QM | No | Mortgagor Focused |
| xxxxxx | 846207 | xxxxxx | 34545634 | xxxxxx | 08/21/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Lender Credit Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 exceeds tolerance of $-95.00. Sufficient or excess cure was provided to the borrower at Closing. (9300) |  |  |  | Reviewer Comment (2025-08-21): Sufficient Cure Provided At Closing |  | 08/21/2025 |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 846207 | xxxxxx | 34545635 | xxxxxx | 08/21/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | Borrower: xxxxxx // Employment Type: Employment / Income Type: Wages / Start date: xxxxxx | Missing 10 day VOEs for both borrowers. |  |  | Reviewer Comment (2025-09-23): VOEs provided and cleared.<br>Reviewer Comment (2025-09-18): We have paystubs, W2s, and TWN showing B1 is not self-employed. Regardless, 10 day VOEs are required for all borrowers per guidelines. TWN is dated xxxxxx and cannot be used for 10 day VOE.<br>Reviewer Comment (2025-09-09): Trailing docs contain VOE for B2 only, still missing B1 10 day VVOE from xxxxxx.<br>Reviewer Comment (2025-08-27): Approval shows loan product as Consumer Purpose Non-Prime 30 Year Fixed (12 months business bank statements) for which a 10 business day VOE for both wage and SE income is required. All approvals show consumer purpose, not business purpose, all have DTIs. We have full B1 wage income docs, and 12 (x2) months bank statements for B2 income - but are missing 10 day VOEs for both. If loan is in fact a no ratio, please re-submit approval and 1008 docs. | 09/23/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846207 | xxxxxx | 34545636 | xxxxxx | 08/21/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing 10 day VOEs for both borrowers. |  |  | Reviewer Comment (2025-09-23): VOEs provided and cleared.<br>Reviewer Comment (2025-09-18): We have paystubs, W2s, and TWN showing B1 is not self-employed. Regardless, 10 day VOEs are required for all borrowers per guidelines. TWN is dated xxxxxx and cannot be used for 10 day VOE.<br>Reviewer Comment (2025-09-09): Trailing docs contain VOE for B2 only, still missing B1 10 day VVOE from xxxxxx. | 09/23/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846207 | xxxxxx | 34545637 | xxxxxx | 08/21/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to missing 10 day VOEs for both borrowers. |  |  | Reviewer Comment (2025-09-23): VOEs provided and cleared. | 09/23/2025 |  |  | 1 | B A C | B A C | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation C B | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 846207 | xxxxxx | 34545638 | xxxxxx | 08/21/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to missing 10 day VOEs for both borrowers. |  |  | Reviewer Comment (2025-09-23): VOEs provided and cleared.<br>Reviewer Comment (2025-09-18): We have paystubs, W2s, and TWN showing B1 is not self-employed. Regardless, 10 day VOEs are required for all borrowers per guidelines. TWN is dated xxxxxx and cannot be used for 10 day VOE.<br>Reviewer Comment (2025-09-09): Trailing docs contain VOE for B2 only, still missing B1 10 day VVOE from xxxxxx. | 09/23/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846207 | xxxxxx | 34545639 | xxxxxx | 08/21/2025 | 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 to missing 10 day VOEs for both borrowers. |  |  | Reviewer Comment (2025-09-23): VOEs provided and cleared.<br>Reviewer Comment (2025-09-18): We have paystubs, W2s, and TWN showing B1 is not self-employed. Regardless, 10 day VOEs are required for all borrowers per guidelines. TWN is dated xxxxxx and cannot be used for 10 day VOE. | 09/23/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846207 | xxxxxx | 34545640 | xxxxxx | 08/27/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception in file for borrower receiving gift of equity for property they're already on title of. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more. |  | Reviewer Comment (2025-08-27): Lender approved exception in file, client elected to regrade and waive |  |  | 08/27/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846221 | xxxxxx | 34392113 | xxxxxx | 08/22/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $1,141.50 exceeds tolerance of $1,047.00. Sufficient or excess cure was provided to the borrower at Closing. (8304) | Final Closing Disclosure. File does not contain a valid COC for this fee, cure provided at closing. |  |  | Reviewer Comment (2025-08-21): Sufficient Cure Provided At Closing |  | 08/21/2025 |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | A | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 846222 | xxxxxx | 34350684 | xxxxxx | 08/21/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | Please provide final approval reflecting accurate loan amount, not in file. |  |  | Reviewer Comment (2025-08-28): Clearing, okay per client to use rate lock as an approval.<br>Reviewer Comment (2025-08-27): Exception is for approval, not rate lock. All docs titled "BUSINESS PURPOSE CONDITIONAL LOAN APPROVAL" in file show loan amounts different than note amount. We need the final, accurate approval. | 08/28/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 846222 | xxxxxx | 34350686 | xxxxxx | 08/21/2025 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Testing | No evidence of application date located in file. Compliance tests were run using an application date of xxxxxx which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: xxxxxx , xxxxxx , xxxxxx , xxxxxx , xxxxxx , xxxxxx , xxxxxx . Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. | Initial 1003 is missing in the file. |  |  | Reviewer Comment (2025-08-27): Waived per client guidance. |  |  | 08/27/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Purchase | C B A | B | B A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 846223 | xxxxxx | 34522293 | xxxxxx | 08/27/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  | Reviewer Comment (2025-09-03): Provided final title | 09/03/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846223 | xxxxxx | 34522294 | xxxxxx | 08/27/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  |  | Reviewer Comment (2025-09-04): FTP provided and cleared. | 09/04/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846223 | xxxxxx | 34522299 | xxxxxx | 08/27/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing verification of both businesses within 10 business days of closing, required per guides. |  |  | Reviewer Comment (2025-09-15): Verification of both businesses within 10 business days of closing was provided.<br>Reviewer Comment (2025-09-04): All verification of business docs in file are not dated, UTD if guidelines requirements are met. | 09/15/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846223 | xxxxxx | 34522300 | xxxxxx | 08/27/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Missing verification of both businesses within 10 business days of closing, required per guides. |  |  | Reviewer Comment (2025-09-15): Verification of both businesses within 10 business days of closing was provided. | 09/15/2025 |  |  | 1 | B A C | B A C | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 846223 | xxxxxx | 34522301 | xxxxxx | 08/27/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Missing verification of both businesses within 10 business days of closing, required per guides. |  |  | Reviewer Comment (2025-09-15): Verification of both businesses within 10 business days of closing was provided.<br>Reviewer Comment (2025-09-04): All verification of business docs in file are not dated, UTD if guidelines requirements are met. | 09/15/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846223 | xxxxxx | 34522302 | xxxxxx | 08/27/2025 | 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. | Missing verification of both businesses within 10 business days of closing, required per guides. |  |  | Reviewer Comment (2025-09-15): Verification of both businesses within 10 business days of closing was provided. | 09/15/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846293 | xxxxxx | 34259725 | xxxxxx | 08/21/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | A xxxxxx dated within 10 days of Note date must be provided. |  |  | Reviewer Comment (2025-08-22): Gap provided | 08/22/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846293 | xxxxxx | 34259892 | xxxxxx | 08/21/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.37372% or Final Disclosure APR of 8.39300% is equal to or greater than the threshold of APOR 6.75% + 1.5%, or 8.25000%. Non-Compliant Higher Priced Mortgage Loan. | Property last sold xxxxxx xxxxxx. Borrower PP xxxxxx dtd xxxxxx More than 20% and if the Seller acquired the property 91-180 days prior to the date of the borrower's purchase agreement. 2 Appraisals are required. |  |  | Reviewer Comment (2025-09-04): Updated appraisal with updated and corrected date of acceptance of Purchase contract. Requirements met. Loan is HPML Compliant<br>Reviewer Comment (2025-08-22): Agreed, however please provide the updated appraisal as the appraiser notes on page one the contact date is xxxxxx vs xxxxxx Also, provide evidence of delivery of the updated appraisal as well. | 09/04/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846293 | xxxxxx | 34259893 | xxxxxx | 08/21/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Flipped Property - Did Not Obtain 2 Appraisals) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Flipped Property - Creditor did not obtain two (2) written appraisals. | Property last sold xxxxxx xxxxxx. Borrower PP xxxxxx dtd xxxxxx More than 20% and if the Seller acquired the property 91-180 days prior to the date of the borrower's purchase agreement. 2 Appraisals are required. |  |  | Reviewer Comment (2025-09-04): Updated appraisal with updated and corrected date of acceptance of Purchase contract. Requirements met. Loan is HPML Compliant<br>Reviewer Comment (2025-08-22): Agreed, however please provide the updated appraisal as the appraiser notes on page one the contact date is xxxxxx vs xxxxxx Also, provide evidence of delivery of the updated appraisal as well. | 09/04/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846293 | xxxxxx | 34259894 | xxxxxx | 08/21/2025 | Compliance | Compliance | Federal Compliance | TILA | Federal LO Compensation Dual Compensation Dodd Frank Test | Loan Originator Compensation: Dual compensation received from both a consumer and person other than consumer. | Broker Loan Fee and Credit Report Fee paid to broker. No invoice in file to support paid to a third party. If paid to a third party, provide the invoice and corrected PC-CD with final stamped settlement statement. |  |  | Reviewer Comment (2025-09-08): Received corrected and stamped final settlement statement with third party payee, PC-CD with correction, LOE to borrower and credit report invoice.<br>Reviewer Comment (2025-09-06): The corrected settlement statement is not stamped certified. The old settlement statements signature page cannot be attached to the corrected settlement statement/ Provie the corrected and stamped settlement statement by the title company.<br>Reviewer Comment (2025-08-22): Received third party invoice from credit agency. Pending receipt of the other items listed in the original condition which indicates if paid to a third party, provide the invoice and corrected PC-CD with final stamped settlement statement. | 09/08/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846293 | xxxxxx | 34356512 | xxxxxx | 09/04/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of revised valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx |  |  |  | Reviewer Comment (2025-09-04): Client elects to waive. Loan is HPML Compliant |  |  | 09/04/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846311 | xxxxxx | 34395576 | xxxxxx | 09/11/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $200,126.24 is over disclosed by $125.00 compared to the calculated Amount Financed of $200,001.24 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 xxxxxx). (Final xxxxxx) | Final Closing Disclosure disclosed an amount financed of $343,030.10; calculated amount financed is $343,155.10. Variance is -$125.00. |  |  | Reviewer Comment (2025-09-30): SitusAMC received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD<br>Reviewer Comment (2025-09-26): SitusAMC received Corrected CD, LOE to borrower and copy of cure refund for total underdisclosure. Missing the proof of mailing of cure package to finalize the cure |  | 09/30/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | C | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 846311 | xxxxxx | 34395578 | xxxxxx | 09/11/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $343,030.10 is under disclosed by $125.00 compared to the calculated Finance Charge of $343,155.10 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xxxxxx). (Final xxxxxx) | Final Closing Disclosure disclosed a finance charge of $343,030.10; calculated finance charge is $343,155.10. Variance is -$125.00 |  |  | Reviewer Comment (2025-09-30): SitusAMC received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD<br>Reviewer Comment (2025-09-26): SitusAMC received Corrected CD, LOE to borrower and copy of cure refund for total underdisclosure. Missing the proof of mailing of cure package to finalize the cure |  | 09/30/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | C | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 846312 | xxxxxx | 34487958 | xxxxxx | 09/22/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $351,725.39 is over disclosed by $125.00 compared to the calculated Amount Financed of $351,600.39 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 xxxxxx). (Final xxxxxx) | Final Closing Disclosure disclosed an amount financed of $351,725.39; calculated amount financed is $351,600.39. Variance is $125.00. Lender did not include the Appraisal Management Fee. |  |  | Reviewer Comment (2025-09-26): SitusAMC received PCCD, LOE, Copy of Refund Check and Proof of Mailing. |  | 09/26/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 846312 | xxxxxx | 34487960 | xxxxxx | 09/22/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $532,379.42 is under disclosed by $125.00 compared to the calculated Finance Charge of $532,504.42 which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xxxxxx). (Final xxxxxx) | Final Closing Disclosure disclosed a finance charge of $532,379.42; calculated finance charge is $532,504.42. Variance is $125.00. Lender did not include the Appraisal Management Fee. |  |  | Reviewer Comment (2025-09-26): SitusAMC received PCCD, LOE, Copy of Refund Check and Proof of Mailing. |  | 09/26/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 846325 | xxxxxx | 34332248 | xxxxxx | 09/05/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $171.00 exceeds tolerance of $140.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) |  |  |  | Reviewer Comment (2025-08-29): Sufficient Cure Provided At Closing |  | 08/29/2025 |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 846325 | xxxxxx | 34346969 | xxxxxx | 09/05/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | Provide a gap credit report or Undisclosed Debt Monitoring (UDM) report for borrower "xxxxxx" is required no more than 30- days prior to loan closing or any time after closing:<br>• Any new tradeline with a balance must be included in determining the DTI ratio. |  |  | Reviewer Comment (2025-09-10): Received UDM report. Exception cleared. | 09/10/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 846325 | xxxxxx | 34347013 | xxxxxx | 09/05/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | Provide ownership in xxxxxx. Utilized 1031 for closing funds. |  |  | Reviewer Comment (2025-09-22): OA provided for ownership.<br>Reviewer Comment (2025-09-10): Received SOS search for xxxxxx. However, not all owners are listed on the document. Therefore provide CPA letter or Operating agreement to verify the ownership of business. Exception remains. | 09/22/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 846381 | xxxxxx | 34344328 | xxxxxx | 09/08/2025 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  | Reviewer Comment (2025-09-04): Client elects to waive |  |  | 09/04/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 846381 | xxxxxx | 34344355 | xxxxxx | 09/08/2025 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Appraisal reflects a Unit Number vs. all other documents which do not. |  |  | Reviewer Comment (2025-09-10): Updated appraisal provided | 09/10/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 846381 | xxxxxx | 34357830 | xxxxxx | 09/08/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year 1 Overdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of 10,779.00 on Final Closing Disclosure provided on xxxxxx are overdisclosed. (Final xxxxxx) | HOA dues are $803/month x 12=$9,636. There is a proposal in file for a xxxxxx Fair Plan Proposal with a premium of xxxxxx in file, however there is no indication it was purchased, paid through closing, nor an active policy provided with all required information. |  |  | Reviewer Comment (2025-09-10): xxxxxx Fair Plan policy provided for subject property. | 09/10/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 846381 | xxxxxx | 34357902 | xxxxxx | 09/08/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | The blanket policy for the HOA building coverage states it is for common areas only. |  |  | Reviewer Comment (2025-09-11): Update RCE and email from agent provided<br>Reviewer Comment (2025-09-11): The email is for the request for the initial RCE and HOI. The email does not note any updates to the documents nor were updates requested in this email chain. The data was altered on both documents.<br>Reviewer Comment (2025-09-10): Provide evidence these updates came from the agent as the city on both the RCE and HOI have different font sizes and type.<br>Reviewer Comment (2025-09-10): The RCE provided does not have the correct city listed. | 09/11/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 846381 | xxxxxx | 34400728 | xxxxxx | 09/10/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | City on xxxxxx Fair Plan policy does not match the Note. |  |  | Reviewer Comment (2025-09-11): Updated HOI and email from agent provided<br>Reviewer Comment (2025-09-11): The email is for the request for the initial RCE and HOI. The email does not note any updates to the documents nor were updates requested in this email chain. The data was altered on both documents.<br>Reviewer Comment (2025-09-10): Provide evidence these updates came from the agent as the city on both the RCE and HOI have different font sizes and type. | 09/11/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 846437 | xxxxxx | 34393989 | xxxxxx | 09/12/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $983.73 exceeds tolerance of $787.00 plus 10% or $865.70. Insufficient or no cure was provided to the borrower. xxxxxx | Ten Percent Fees increased without a valid change in circumstance Cure was not provided at closing. |  |  | Reviewer Comment (2025-09-22): SitusAMC Received Corrected PCCD and LOE moving title endorsement fee to section C.<br>Reviewer Comment (2025-09-19): SitusAMC Title - Endorsement fees were disclosed in Section B which are tested at 10% tolerance. Provider listed on SSPL is xxxxxx. Fees on CD were paid to xxxxxx. Appears borrower shopped for title fees. Corrected CD moving the title fees to Section C and LOE to borrower required to cure.<br>Reviewer Comment (2025-09-16): SitusAMC received Changed Circumstance dated xxxxxx , but it does not give sufficient information on why the title-endorsement fee was increased. In order to determine if the changed circumstance is valid more information is necessary on reason fee increased and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check. | 09/22/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 846437 | xxxxxx | 34425344 | xxxxxx | 09/12/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | VOR provided for prior address on xxxxxx. However, page 1 of 1003 reflects Own vs. Rent. Borrower is a FTHB. |  |  | Reviewer Comment (2025-09-16): Property profile report provided reflecting borrower owned xxxxxx and sold in 2024 and rented for a few months during that time until they moved out. Previous VOR in file and previous mortgage from property profile also reporting on credit closed in 2022. Borrower is no a FTHB. Max 50%. | 09/16/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846437 | xxxxxx | 34425393 | xxxxxx | 09/12/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 47.35796% exceeds Guideline total debt ratio of 45.00000%. | FTHB max is 45%. Borrower did not own previous residence but rented per VOR. |  |  | Reviewer Comment (2025-09-16): Property profile report provided reflecting borrower owned xxxxxx and sold in xxxxxx and rented for a few months during that time until they moved out. Previous VOR in file and previous mortgage from property profile also reporting on credit closed in 2022. Borrower is no a FTHB. Max 50%. | 09/16/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846437 | xxxxxx | 34425414 | xxxxxx | 09/12/2025 | 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. | FTHB max is 45%. Borrower did not own previous residence but rented per VOR. |  |  | Reviewer Comment (2025-09-16): Property profile report provided reflecting borrower owned xxxxxx and sold in xxxxxx and rented for a few months during that time until they moved out. Previous VOR in file and previous mortgage from property profile also reporting on credit closed in 2022. Borrower is no a FTHB. Max 50%. | 09/16/2025 |  |  | 1 | B A C | B A C | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 846437 | xxxxxx | 34425415 | xxxxxx | 09/12/2025 | 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. | FTHB max is 45%. Borrower did not own previous residence but rented per VOR. |  |  | Reviewer Comment (2025-09-16): Property profile report provided reflecting borrower owned xxxxxx and sold in xxxxxx and rented for a few months during that time until they moved out. Previous VOR in file and previous mortgage from property profile also reporting on credit closed in 2022. Borrower is no a FTHB. Max 50%. | 09/16/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846437 | xxxxxx | 34425416 | xxxxxx | 09/12/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 47.35796% moderately exceeds the guideline maximum of 45.00%. (DTI Exception is eligible to be regraded with compensating factors.) | FTHB max is 45%. Borrower did not own previous residence but rented per VOR. |  |  | Reviewer Comment (2025-09-16): Property profile report provided reflecting borrower owned xxxxxx and sold in xxxxxx and rented for a few months during that time until they moved out. Previous VOR in file and previous mortgage from property profile also reporting on credit closed in 2022. Borrower is no a FTHB. Max 50%. | 09/16/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846448 | xxxxxx | 34414218 | xxxxxx | 09/16/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Missing fraud report. |  |  | Reviewer Comment (2025-09-18): Received Fraud Report and OFAC search. Exception cleared. | 09/18/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 846491 | xxxxxx | 34376782 | xxxxxx | 09/11/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 exceeds tolerance of $-8,000.00. Insufficient or no cure was provided to the borrower. (9300) | No valid reason listed for removal of lender credits. |  |  | Reviewer Comment (2025-09-15): StusAMC received a valid COC. | 09/15/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 846491 | xxxxxx | 34376784 | xxxxxx | 09/11/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $205.00 exceeds tolerance of $165.00. Insufficient or no cure was provided to the borrower. (75106) | CCO states borrower requested a rush however there is no evidence of this provided. |  |  | Reviewer Comment (2025-09-24): SitusAMC received LOE and COC<br>Reviewer Comment (2025-09-15): SitusAMC received COC stating, "Borrower requested CDA rush to expediate CTC status". Please provide documentation of additional information related to the borrower request for the CDA rush. Documentation of borrower requested changes should include the date of the borrower's change request and be documented in writing through copy of borrower emails, communication logs, screenshot of LO notes in LOS, etc. | 09/24/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 846491 | xxxxxx | 34392205 | xxxxxx | 09/11/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor exception: Property has 2 additional areas of the house not permitted. Need exception for these 2 areas and to not remove the xxxxxx. | Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Credit Score 30+ points > minimum required | Reviewer Comment (2025-09-10): Client elects to waive with verified compensation factors.<br> Appraiser confirms 2 additional areas were completed in a workman like manner and no value included. |  |  | 09/10/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 846498 | xxxxxx | 34339112 | xxxxxx | 09/04/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | A private party VOR must be supported by alternative documentation showing the most recent 6-month history (cancelled checks, rental state4ments including payment history, etc.). | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | Reviewer Comment (2025-09-19): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-09-16): The documents provided are not acceptable. Cash payments cannot be verified therefore the guideline requirements were not met for 6 months borrower pay history. Investor can elect to waive with verified compensation factors.<br>Reviewer Comment (2025-09-10): Received LOX from xxxxxx, however if a VOR is completed by a private party, then 6-month history (cancelled checks, rental statements including payment history, etc.). Per LOX from xxxxxx, borrower pays the rent in cash, that is not allowed as per guidelines. Exception remains. |  |  | 09/19/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 846513 | xxxxxx | 34277568 | xxxxxx | 08/28/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on xxxxxx not received by borrower at least four (4) business days prior to closing. (Interim xxxxxx) | Evidence of earlier receipt not provided |  |  | Reviewer Comment (2025-09-02): SitusAMC received earliest receipt of LE. | 09/02/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | No Defined Cure B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846513 | xxxxxx | 34307236 | xxxxxx | 08/28/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,430.00 exceeds tolerance of $1,148.00 plus 10% or $1,262.80. Sufficient or excess cure was provided to the borrower. xxxxxx | Cure nor valid COC provided |  |  | Reviewer Comment (2025-08-27): Sufficient Cure Provided within 60 Days of Closing |  | 08/27/2025 |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) B A | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 846513 | xxxxxx | 34307242 | xxxxxx | 08/28/2025 | Compliance | TRID | Document Error | TRID | Closing Disclosure: Dates are not in chronological order. | Date Issued: xxxxxx Issue date: xxxxxx; Received date: xxxxxx; Signed date: xxxxxx |  |  |  | Reviewer Comment (2025-08-27): Client elects to waive |  |  | 08/27/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846519 | xxxxxx | 34425620 | xxxxxx | 09/15/2025 | Credit | Income | Income Error | Income | The total of Statement Period Months entered is less than the Qualifying Method entered of Most Recent 12 months. | Borrower: xxxxxx // Employment Type: Employment / Income Type: Bank Statements / Start date: xxxxxx Statement Period Months provided: 7, | Business bank statements in file for business xxxxxx are for only 7 months from xxxxxx - xxxxxx due to which the qualifying income is low. Statements dated xxxxxx - xxxxxx are missing from the file. |  |  | Reviewer Comment (2025-09-17): Received personal bank statement, where borrower was initially receiving business income. Exception cleared. | 09/17/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 846519 | xxxxxx | 34425623 | xxxxxx | 09/15/2025 | Credit | Income | Income Error | Income | The Total Bank Statement Period months provided is less than the required # of Bank Statements required. | Borrower: xxxxxx // Employment Type: Employment / Income Type: Bank Statements / Start date: xxxxxx | Business bank statements in file for business xxxxxx are for only 7 months from xxxxxx - xxxxxx due to which the qualifying income is low. Statements dated xxxxxx - xxxxxx are missing from the file. |  |  | Reviewer Comment (2025-09-17): Received personal bank statement, where borrower was initially receiving business income. Exception cleared. | 09/17/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | C A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 846522 | xxxxxx | 34457021 | xxxxxx | 09/17/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $113.00 exceeds tolerance of $100.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) |  |  |  | Reviewer Comment (2025-09-15): Sufficient Cure Provided At Closing |  | 09/15/2025 |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure A | A | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 846536 | xxxxxx | 34510149 | xxxxxx | 09/24/2025 | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided |  | Corrected gift letter for $35,000 required. Gift Letter in file is for $30,000. Deposit receipt and wire confirmation receipt for $35,000 in file. Must be dated at or prior to closing since receipt is dated post-close. |  |  | Reviewer Comment (2025-10-07): Received corrected Gift Letter. Exception cleared. | 10/07/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 846536 | xxxxxx | 34511503 | xxxxxx | 09/24/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $275.50 exceeds tolerance of $182.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) |  |  |  | Reviewer Comment (2025-09-19): Sufficient Cure Provided At Closing |  | 09/19/2025 |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 846536 | xxxxxx | 34528184 | xxxxxx | 09/24/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $250.00 exceeds tolerance of $200.00 plus 10% or $220.00. $30.00 over legal limit. Insufficient or no cure was provided to the borrower. xxxxxx | Total amount of $250.00 exceeds tolerance of $200.00 plus 10% or $220.00. $30.00 over legal limit. Insufficient or no cure was provided to the borrower. |  |  | Reviewer Comment (2025-09-26): SitusAMC received a valid COC.<br>Reviewer Comment (2025-09-26): SitusAMC received COC dated xxxxxx .However, we would require additional information as to why the recording fee incrreased from $200 to $250 or cure due to borrower. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing. | 09/26/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 846536 | xxxxxx | 34528185 | xxxxxx | 09/24/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $275.50 exceeds tolerance of $182.00. $93.50 over legal limit. Insufficient or no cure was provided to the borrower. (7520) | Zero tolerance exceeded for Credit Report Fee. Fee Amount of $275.50 exceeds tolerance of $182.00. $93.50 over legal limit. Insufficient or no cure was provided to the borrower. |  |  | Reviewer Comment (2025-09-26): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. | 09/26/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 846555 | xxxxxx | 34534363 | xxxxxx | 09/28/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $148.60 exceeds tolerance of $120.00. $28.60 over legal limit. Insufficient or no cure was provided to the borrower. (7520) | The Credit Report Fee was disclosed on Initial Loan Estimate as $120.00 and was later disclosed on the initial Closing Disclosure as $148.60. Sufficient Cure is provided on Final CD which did not trigger due to other tolerance fee violation. |  |  | Reviewer Comment (2025-10-01): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. | 10/01/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B C A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 846555 | xxxxxx | 34534365 | xxxxxx | 09/28/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA Special Assessment. Fee Amount of $1,039.72 exceeds tolerance of $0.00. $1,039.72 over legal limit. Insufficient or no cure was provided to the borrower. (81719) | The HOA Special Assessment Fee was not disclosed on Initial Loan Estimate and was later disclosed on Final CD as $1,039.72. No cure or COC was provided in the file for this change. |  |  | Reviewer Comment (2025-10-06): SitusAMC received PCCD with Payee completed.<br>Reviewer Comment (2025-10-06): SitusAMC received LE. However, Post CD and LOX with payee name for October assessment is not present in the file. Kindly provide Post CD along with LOX to reflect payee name for Regular Assessment Oct under section H.<br>Reviewer Comment (2025-10-01): SitusAMC received rebuttal. However, the Final CD present in the file is reflecting Regular Assessment Oct without payee name. Kindly provide updated Post CD along with LOX to reflect payee name for Regular Assessment Oct fee under section H. | 10/06/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B C A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 846555 | xxxxxx | 34534369 | xxxxxx | 09/28/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | The file contains most recent 12 months of rental history through provided bank statements in file, however, third party Verification of Rent is required per the guidelines. |  |  | Reviewer Comment (2025-09-30): Per client email, they are not requiring the lease, VOR or verification of payment and applying the 43% DTI restriction.<br>Reviewer Comment (2025-09-29): The comments are not acceptable. Per the product team email last received by DD, at minimum the payment needs to be verified with a lease agreement in order for the VOR to not be required. | 09/30/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | D B A | C | B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846555 | xxxxxx | 34534465 | xxxxxx | 09/28/2025 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Paid To party cannot be determined on the Closing Disclosure. For compliance testing purposes, Paid To of Lender will be considered in lieu of UTD. | Date Issued: xxxxxx HOA Special Assessment | The paid to party is not reflecting on Final Closing Disclosure and are missing. |  |  | Reviewer Comment (2025-09-25): Client elects to waive |  |  | 09/25/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | C | B C A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 846555 | xxxxxx | 34550574 | xxxxxx | 09/28/2025 | Property | Property - Appraisal | Appraisal Data Integrity | Property - Appraisal | The loan is to be securitized and the appraisal certification was not included in the provided valuation. Securitization valuations are required to be FIRREA/USPAP compliant. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Copy of appraisers license not with appraisal. It appears one of the missing photos/pictures was to have been the appraisers license, but all photos are missing. |  |  | Reviewer Comment (2025-09-29): Complete appraisal provided | 09/29/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | D B A | C | B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846555 | xxxxxx | 34551562 | xxxxxx | 09/28/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | The provided Appraisal report and 1004D/442 Form are not in color and does not contain any photos of the subject property or sales comparable properties. Neither document is executed by the appraisers either. Provide appraisal report and 1004D/442 Form reflecting all the missing photos of subject property and sales comparable properties and signed and dated. |  |  | Reviewer Comment (2025-09-29): Complete appraisal and 442 provided | 09/29/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Primary | Purchase | D B A | C | B C A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846555 | xxxxxx | 34657552 | xxxxxx | 10/06/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $148.60 exceeds tolerance of $120.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) | Sufficient cure provided at closing. |  |  | Reviewer Comment (2025-10-06): Sufficient Cure Provided At Closing |  | 10/06/2025 |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure B A | C | B C A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 846728 | xxxxxx | 34472602 | xxxxxx | 09/16/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Business Purpose Cert not provided |  |  | Reviewer Comment (2025-09-19): Received Business Purpose Certificate. Exception cleared. | 09/19/2025 |  |  | 1 | C A | C A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 846729 | xxxxxx | 34478967 | xxxxxx | 09/18/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | Credit refresh is required no more than 10 days prior to loan closing or at any time after closing. Any new debt must be included in determining the DTI ratio. |  |  | Reviewer Comment (2025-09-22): Received Credit Refresh Report dated xxxxxx . Exception cleared. | 09/22/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 846729 | xxxxxx | 34478968 | xxxxxx | 09/18/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided |  |  |  |  | Reviewer Comment (2025-09-22): Received Note Addendum - Prepayment. Exception cleared. | 09/22/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | A | A | N/A | N/A | Yes | Mortgagor Focused |
| xxxxxx | 846729 | xxxxxx | 34493283 | xxxxxx | 09/18/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor exception to allow appraisal transfer for this delayed financing cash-out, however comp factors are incorrect. DTI is not <=36%. Investor to provide updated exception form. Assigned to investor. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reserves exceed requirement by 10 months or more | Reviewer Comment (2025-09-23): Client elects to waive with verified compensation factors |  |  | 09/23/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 846729 | xxxxxx | 34493461 | xxxxxx | 09/18/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | There is VOM in file for property located at xxxxxx with a xxxxxx loan taken out as of xxxxxx , however this property was not added to the ratios. |  |  | Reviewer Comment (2025-09-30): Received signed/stamped settlement statement. Exception cleared<br>Reviewer Comment (2025-09-24): Received amended seller's final Settlement Statement that is not signed and dated. Provide signed/stamped settlement statement. Exception remains.<br>Reviewer Comment (2025-09-22): Received property history report; however, it does not reflect the release of the xxxxxx lien recorded on xxxxxx . Please provide the satisfaction letter to confirm the release. Exception remains. | 09/30/2025 |  |  | 1 | C A | C A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 846732 | xxxxxx | 34350843 | xxxxxx | 09/08/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx, Address: xxxxxx Other<br> Other<br> Other<br> Other<br> Other | Provide evidence properties are free and clear. |  |  | Reviewer Comment (2025-10-02): Received extension for xxxxxx properties (cross collateralized). Added payment back into ratios. See exception set for VOM.<br>Reviewer Comment (2025-09-25): (I) We have received the property profile reports for the following addresses:<br>1) xxxxxx<br> 2) xxxxxx<br> 3) xxxxxx<br> All reports reflect that the properties are held free and clear.<br>2) xxxxxx<br>Kindly provide proof of six months of mortgage payment history demonstrating that the business is making the payments for these properties.<br>As of now, the exception remains open pending receipt of the above documentation.<br>Reviewer Comment (2025-09-24): Received deed for the property located at xxxxxx is not acceptable to verify property is free and clear as it only reflects that the property was transferred to LLC. If the mortgage lien are paid by the businesses, then provide 6 months business bank statements to verify the mortgage payments for the properties listed on the original condition are paid by business along with the document to support the mortgage payments, as previously Note was provided for property located at xxxxxx and xxxxxx. If the mortgage lien is paid by borrower then provide document to include the mortgage debts into DTI. Exception remains.<br>Reviewer Comment (2025-09-11): Received Note for property located at xxxxxx and xxxxxx that reflects mortgage under business name. Provide 6 months bank statement to verify if the payment are made by business. Also, provide property history report to verify property is free and clear for other properties, since Tax returns is not sufficient to verify property is free and clear. Exception remains. | 10/02/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 846732 | xxxxxx | 34350902 | xxxxxx | 09/08/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx 1040 (2023), P&L Statement, Third Party Verification | 1) Provide Existence of the all borrower's business (listed below) is to be verified within 90 days prior to the Note date, through one of the following: <br> • Third party verification from licensed tax preparer, regulatory agency, or applicable licensing bureau, or<br> • Internet screenshot displaying the phone listing and address verification of the borrower's business, or<br> • A business bank statement dated within 90 days of the Note date for income used in qualification.<br>2) P&L required for all business - If the tax return date exceeds 120 days from the note date, a YTD Profit and Loss Statement (P&L), signed and dated by the borrower, up to and including the most recent month preceding the loan application date.<br>Business<br> 1) xxxxxx<br> 2) xxxxxx<br> 3) xxxxxx<br> 4) xxxxxx<br> 5) xxxxxx<br> 6) xxxxxx<br> 7) xxxxxx | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | Reviewer Comment (2025-10-03): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-09-23): Received P&L Statement YTD is dated post closing of all businesses, please provide P&L dated with YTD xxxxxx . Also received CPA Letter is dated post closing, it must be dated within 90 days prior to the Note date. Exception remains.<br>Reviewer Comment (2025-09-12): Received signed/dated 1040 (2023). However, the file is still pending : 1) Provide Existence of the all borrower's business (listed below) is to be verified within 90 days prior to the Note date, through one of the following: • Third party verification from licensed tax preparer, regulatory agency, or applicable licensing bureau, or • Internet screenshot displaying the phone listing and address verification of the borrower's business, or • A business bank statement dated within 90 days of the Note date for income used in qualification. 2) P&L required for all business - If the tax return date exceeds 120 days from the note date, a YTD Profit and Loss Statement (P&L), signed and dated by the borrower, up to and including the most recent month preceding the loan application date. Business 1) xxxxxx 2) xxxxxx 3) xxxxxx 4) xxxxxx 5) xxxxxx 6) xxxxxx 7) xxxxxx. Exception remains. |  |  | 10/03/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 846732 | xxxxxx | 34359188 | xxxxxx | 09/08/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | 1) Provided the signed and dated 2023 personal returns. 2) Provide the signed and dated business returns for all business used to qualify. Returns in file are not signed and dated by the borrower. 3) Provide the 2023 signed and dated business returns for xxxxxx. Only 2024 business returns provided. |  |  | Reviewer Comment (2025-09-25): The signed 2024 business tax returns have been received as requested. The exception has been cleared.<br>Reviewer Comment (2025-09-24): Received 2023 signed/dated business tax returns. However, pending signed and dated 2024 business tax returns for the following businesses: 1) xxxxxx 2) xxxxxx 3) xxxxxx 4) xxxxxx 5) xxxxxx 6) xxxxxx 7) xxxxxx. Exception remains.<br>Reviewer Comment (2025-09-12): Received signed/dated 1040 (2023). However, the file is still missing: 2) Provide the signed and dated business returns for all business used to qualify. Returns in file are not signed and dated by the borrower. 3) Provide the 2023 signed and dated business returns for xxxxxx, xxxxxx. Only 2024 business returns provided. Exception remains. | 09/25/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 846732 | xxxxxx | 34359240 | xxxxxx | 09/08/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The final title policy provided does not have the vested party noted for #3. |  |  | Reviewer Comment (2025-09-18): All pages of the corrected FTP provided along with email verifying updates.<br>Reviewer Comment (2025-09-11): All pages of the corrected FTP are required. Further, the incorrect and correct policies are dated and time stamped the same. Provide evidence of which was provided last (i.e. email from title with updates). | 09/18/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 846732 | xxxxxx | 34631804 | xxxxxx | 10/02/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Provide the 12 month payment history for the property located at xxxxxx. Note and Ext provided (Cross Collateral loan). | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | Reviewer Comment (2025-10-03): Client elects to waive with verified compensation factors |  |  | 10/03/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 846740 | xxxxxx | 34358266 | xxxxxx | 09/09/2025 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 75.00000% exceeds Guideline loan to value percentage of 70.00000%. | Per guidelines the max LTV allowed for Written VOE is 70%. |  |  | Reviewer Comment (2025-09-11): Client requested re-review to standard documents. Condition no longer applies. | 09/11/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 846740 | xxxxxx | 34373035 | xxxxxx | 09/09/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx Account Statements | Two (2) Months Personal Bank Statements required to support the WVOE. The bank statements must reflect deposits from the employer supporting at least 65% of gross wage/salary reflected on the WVOE. |  |  | Reviewer Comment (2025-09-11): Client requested re-review to standard documents. Condition no longer applies. | 09/11/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 846749 | xxxxxx | 34495578 | xxxxxx | 09/18/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 5.87 is less than Guideline PITIA months reserves of 6.00. | Available assets $24,492.22 minus cash from borrower $9,860.89 = Available for reserves $14,631.33 or 5.06 months. |  |  | Reviewer Comment (2025-10-01): Additional paid POCB provided<br>Reviewer Comment (2025-09-30): Received paid POCB fees for HOI of xxxxxx and taxes of xxxxxx which were added back to closing funds. New reserves are 5.87 which is still short. Still pending proof of the POCB for taxes of xxxxxx. It is not relevant what the current paid to date or escrow advance is but what the borrower paid outside of closing which must be evidenced. Provide the paid tax bill for xxxxxx or either evidence of borrower paid POCB.<br>Reviewer Comment (2025-09-30): EXCEPTION HISTORY - Exception Explanation was updated on xxxxxx PRIOR Exception Explanation: Calculated PITIA months reserves of 5.70 is less than Guideline PITIA months reserves of 6.00.<br>Reviewer Comment (2025-09-22): The same document was provided that was in file at time of review. Cash to close is calculated as funds to close + EMD + POCB + any adjustments/gifts/1031 on the Final CD. Borrower required a total of $9,860.89 funds to close. | 10/01/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 846749 | xxxxxx | 34495705 | xxxxxx | 09/18/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | A xxxxxx dated within 10 days of Note date must be provided with the closed loan package for NonQM Full Doc. Credit report is dated > 10 days prior to closing. |  |  | Reviewer Comment (2025-09-22): Received Credit Report - Gap. Exception cleared. | 09/22/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 846749 | xxxxxx | 34495712 | xxxxxx | 09/18/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | Provide the deed transferring the property to the borrower only |  |  | Reviewer Comment (2025-09-22): Received deed transferring the property to the borrower only. Exception cleared. | 09/22/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Investment | Refinance - Rate/Term | D A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 846794 | xxxxxx | 34520238 | xxxxxx | 09/25/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | Provide the 1008 with UW name or Lender's Approval with conditions. |  |  | Reviewer Comment (2025-09-29): Received Approval. Exception cleared. | 09/29/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | D B A | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846794 | xxxxxx | 34520356 | xxxxxx | 09/25/2025 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  | Reviewer Comment (2025-09-24): Client elects to waive |  |  | 09/24/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Purchase | D B A | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846794 | xxxxxx | 34541828 | xxxxxx | 09/25/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Occupancy Certificate not provided in the file |  |  | Reviewer Comment (2025-09-29): Received Occupancy Certificate. Exception cleared. | 09/29/2025 |  |  | 1 | C A | C A D | xxxxxx | xxxxxx | Primary | Purchase | D B A | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846816 | xxxxxx | 34326197 | xxxxxx | 09/04/2025 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | xxxxxx |  |  | Reviewer Comment (2025-09-05): Updated flood cert provided | 09/05/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D A | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846816 | xxxxxx | 34326298 | xxxxxx | 09/04/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide the 2 years business license or LOE from borrower on nature of business. |  |  | Reviewer Comment (2025-09-15): Received LOX from borrower on nature of business not requiring business license. Exception cleared.<br>Reviewer Comment (2025-09-05): Condition cannot be waived. Received CPA Letter, however the LOE must come from borrower to explain the details of business nature does not require government issued license. Exception remains. | 09/15/2025 |  |  | 1 | C A | C A D | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D A | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846818 | xxxxxx | 34321420 | xxxxxx | 09/05/2025 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  | Reviewer Comment (2025-09-03): Client elects to waive |  |  | 09/03/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | B | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 846818 | xxxxxx | 34350225 | xxxxxx | 09/05/2025 | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided |  | Business license for the past 2 years must be provided. If nature of business does not require government issued license, borrower's letter is required to explain the details of business nature. Preparer notes no license required, however LOE from borrower on nature of business was not provided. |  |  | Reviewer Comment (2025-09-10): Received LOX from borrower, verifying nature of business does not require government issued license. Exception cleared. | 09/10/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | B | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 846818 | xxxxxx | 34350253 | xxxxxx | 09/05/2025 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or xxxxxx) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  |  | Reviewer Comment (2025-09-03): Client elects to waive |  |  | 09/03/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | B | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 846821 | xxxxxx | 34328428 | xxxxxx | 09/05/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx Business License | Business license for the past 2 years must be provided. If nature of business does not require government issued license, borrower's letter is required to explain the details of business nature. |  |  | Reviewer Comment (2025-09-11): Wet signature obtained on LOE<br>Reviewer Comment (2025-09-09): LOE received however it is e-signed. Provide the docusign to support the borrower signed this document. | 09/11/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846821 | xxxxxx | 34328633 | xxxxxx | 09/05/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | All parties to the transaction were not included. The Seller, xxxxxx, is missing. |  |  | Reviewer Comment (2025-09-09): Received updated Fraud Report, OFAC & Sam search for Seller, xxxxxx. Exception cleared. | 09/09/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846821 | xxxxxx | 34328740 | xxxxxx | 09/05/2025 | 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. | Business license for the past 2 years must be provided. If nature of business does not require government issued license, borrower's letter is required to explain the details of business nature. |  |  | Reviewer Comment (2025-09-11): Wet signature obtained on LOE<br>Reviewer Comment (2025-09-09): LOE received however it is e-signed. Provide the docusign to support the borrower signed this document. | 09/11/2025 |  |  | 1 | B A C | B A C | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 846821 | xxxxxx | 34328741 | xxxxxx | 09/05/2025 | 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. | Business license for the past 2 years must be provided. If nature of business does not require government issued license, borrower's letter is required to explain the details of business nature. |  |  | Reviewer Comment (2025-09-11): Wet signature obtained on LOE<br>Reviewer Comment (2025-09-09): LOE received however it is e-signed. Provide the docusign to support the borrower signed this document. | 09/11/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846821 | xxxxxx | 34355471 | xxxxxx | 09/05/2025 | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided |  | Gift Letter for $187,000 not provided in the file. Wire provided is for non-borrower that is also listed on purchase contract. |  |  | Reviewer Comment (2025-09-09): Gift letter provided | 09/09/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846825 | xxxxxx | 34326736 | xxxxxx | 09/05/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Contact Information - Lender | TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xxxxxx did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name, Contact NMLS ID). (Final xxxxxx) | NMLS ID is not provided on the final CD xxxxxx . |  |  | Reviewer Comment (2025-09-26): SitusAMC received Letter of Explanation & Corrected Closing Disclosure.<br>Reviewer Comment (2025-09-17): PCCD, LOE and proof of mailing are required to complete a cure. |  | 09/26/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 846827 | xxxxxx | 34332346 | xxxxxx | 09/05/2025 | Compliance | Compliance | State Compliance | Misc. State Level | xxxxxx Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) | xxxxxx Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. |  |  |  | Reviewer Comment (2025-09-03): Client elects to waive |  |  | 09/03/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | B | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 846827 | xxxxxx | 34351143 | xxxxxx | 09/05/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participants, authorized signor for the seller, xxxxxx, was not included in the report. |  |  | Reviewer Comment (2025-09-09): Received updated Fraud report. Fraud and OFAC search run on the seller. Exception cleared. | 09/09/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | B | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 846836 | xxxxxx | 34324910 | xxxxxx | 09/05/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Statement | Provided the mortgage statement for the property to support taxes and insurance are escrowed. If not, provide evidence of insurance and any HOA, if applicable. |  |  | Reviewer Comment (2025-09-24): LOE is not required. Release of earnest form was provided signed by both borrower and Seller which indicates parities are released from the transaction under contract.<br>Reviewer Comment (2025-09-19): Cleared in error. Received release of earnest money. Provide LOX from borrower stating their intent to withdraw from the transaction. Exception remains.<br>Reviewer Comment (2025-09-17): It will need to be proven this transaction has been cancelled. Otherwise, all documents requested will be required.<br>Reviewer Comment (2025-09-11): Received corrected 1003/1008 removing the REO property, however, provide agreement from seller to verify that the sale agreement has been cancelled and LOX from borrower stating their intent to withdraw from the transaction. Exception remains. | 09/24/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846836 | xxxxxx | 34324938 | xxxxxx | 09/05/2025 | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  | Reviewer Comment (2025-09-11): Received Flood Certificate. Exception cleared. | 09/11/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846836 | xxxxxx | 34324941 | xxxxxx | 09/05/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC searches not run on Seller, xxxxxx. |  |  | Reviewer Comment (2025-09-11): Received updated Fraud report. Fraud and OFAC search run on the seller. Exception cleared. | 09/11/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846836 | xxxxxx | 34325073 | xxxxxx | 09/05/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments Estimated Taxes, Insurance, & Assessments: Final Closing Disclosure provided on xxxxxx disclosed whether insurance is included in escrow in incorrect section. Creditor disclosed insurance cost to consumer in "Other" section where regulation requires insurance to be disclosure under "Homeowner's Insurance" section. Disclosure requirement met, non-material exception for incorrect format/placement. (Final xxxxxx) | The final Closing Disclosure reflects the flood insurance as escrowed, page 2 as "Other". |  |  | Reviewer Comment (2025-09-23): Client elects to waive<br>Reviewer Comment (2025-09-11): The exception was regraded to xxxxxx as the Flood Insurance is being disclosed to the consumer, just in the incorrect line item as it should be part of Homeowners Insurance, but instead was disclosed under Other.The amounts to be considered under the "Homeowner's Insurance" category are "Premiums or other charges for insurance against loss of or damage to property, or against liability arising out of the ownership or use of property…" (§1026.4(b)(8)). On the October 1, 2014 webinar hosted by the CFPB, it was clarified Flood Insurance would be placed within the Homeowner's Insurance category of the Estimated Taxes, Insurance & Assessments section as it would fall into the definition provided above. The commentary to 1026.37(c)(4)(iv)-2 then states:"Amounts paid by the creditor using escrow account funds. Section 1026.37(c)(4)(iv) requires the creditor to disclose an indication of whether the amounts disclosed pursuant to § 1026.37(c)(4)(ii) will be paid by the creditor using escrow account funds. If the amount disclosed pursuant to § 1026.37(c)(4)(ii) requires the creditor to disclose a description of more than one amount and only some of those amounts will be paid by the creditor using escrow account funds, the creditor may indicate that only some of those amounts will be paid using escrow account funds, such as by using the word "some." As a result, the disclosure of "Some" next to the "Homeowner's Insurance" description would be accurate given that the flood portion of the Homeowner's Insurance will be escrowed while the Hazard Insurance will not be. As stated above, given the disclosure was made to the consumer but just on the incorrect line item, we have regraded to xxxxxx accordingly. |  |  | 09/23/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Purchase | Good Faith Redisclosure C B A | B | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 846836 | xxxxxx | 34349742 | xxxxxx | 09/05/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Mortgage history for REO located on xxxxxx was not shown on credit report. Provide the 12 month VOM or evidence borrower is not obligated to the lien. |  |  | Reviewer Comment (2025-09-19): Received release of earnest money that the transaction is cancelled. Exception cleared.<br>Reviewer Comment (2025-09-17): It will need to be proven this transaction has been cancelled. Otherwise, all documents requested will be required.<br>Reviewer Comment (2025-09-11): Received corrected 1003/1008 removing the REO property, however, provide agreement from seller to verify that the sale agreement has been cancelled and LOX from borrower stating their intent to withdraw from the transaction. Exception remains. | 09/19/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846836 | xxxxxx | 34349769 | xxxxxx | 09/05/2025 | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | Provided to borrower at closing. |  |  | Reviewer Comment (2025-09-03): Client elects to waive |  |  | 09/03/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846841 | xxxxxx | 34351388 | xxxxxx | 09/05/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Private party VOR was provided. Missing 6 months cancelled checks or bank statements to support payment history. The individual gave themself a title of property manager but that is not sufficient unless it can be provide this is a property management company. |  |  | Reviewer Comment (2025-09-16): Received document to verify the VOR is completed by property manager. Exception cleared.<br>Reviewer Comment (2025-09-10): Received 6 months bank statement reflects an inconstant in payment, therefore unable to verify that the payments are for rent. Please provide document to verify that it was send to landlord. Exception remains. | 09/16/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 846843 | xxxxxx | 34326423 | xxxxxx | 09/04/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | The preparer letter for the business being used for income does not verify the business being referenced. |  |  | Reviewer Comment (2025-09-19): CPA letter verifies borrower operates under his name and there is no separate business name for the qualifying income.<br>Reviewer Comment (2025-09-12): Received CPA letter reflects business name as xxxxxx. However the document requested is for the CPA letter for borrower's Interior Exterior Designer business, that is used for income calculation, since the business name is not updated in CPA Letter. Exception remains.<br>Reviewer Comment (2025-09-10): Received evidence of access to fund, that was already provided at the time of review. The document requested is for the updated CPA letter to confirm the business name that is being used for income to verify the ownership percentage of business. Exception remains. | 09/19/2025 |  |  | 1 | C A | C A D | xxxxxx | xxxxxx | Investment | Purchase | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 846843 | xxxxxx | 34326478 | xxxxxx | 09/04/2025 | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. | Calculated Available for Reserves of $0.00 is less than Guideline Available for Reserves of $91,244.25. | Borrower is only 50% owner of the business used for assets. Guidelines do not state 100% can be used, even with access letter. |  |  | Reviewer Comment (2025-09-17): Using 100% of business per client requested. See new exception.<br>Reviewer Comment (2025-09-16): The investor guidelines address this issue in which the funds are limited to the borrower's ownership %. When lender's guidelines are silent the default is the investor's guidelines.<br>Reviewer Comment (2025-09-11): As noted in the exception, guidelines do not state 100% of assets can be used when borrower is 50% owner, even with access letter. | 09/17/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 846843 | xxxxxx | 34326490 | xxxxxx | 09/04/2025 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $257,479.76 is less than Cash From Borrower $311,955.76. | Borrower is only 50% owner of the business used for assets. Guidelines do not state 100% can be used, even with access letter. |  |  | Reviewer Comment (2025-09-17): Using 100% of business per client requested. See new exception.<br>Reviewer Comment (2025-09-16): The investor guidelines address this issue in which the funds are limited to the borrower's ownership %. When lender's guidelines are silent the default is the investor's guidelines.<br>Reviewer Comment (2025-09-11): As noted in the exception, guidelines do not state 100% of assets can be used when borrower is 50% owner, even with access letter. | 09/17/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 846843 | xxxxxx | 34485835 | xxxxxx | 09/17/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor exception to allow use of 100% of the business funds for closing / reserves based on access letter. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | Reviewer Comment (2025-09-17): Client elects to waive with verified compensation factors |  |  | 09/17/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Purchase | D B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 846844 | xxxxxx | 34318895 | xxxxxx | 09/04/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 2.40 is less than Guideline PITIA months reserves of 4.00. | 30 day xxxxxx account removed from balance. |  |  | Reviewer Comment (2025-09-15): Received most recent bank statement with updated balance to cover the reserve requirement. Exception cleared. | 09/15/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846844 | xxxxxx | 34318925 | xxxxxx | 09/04/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | insufficient reserves |  |  | Reviewer Comment (2025-09-15): Updated bank statement provided | 09/15/2025 |  |  | 1 | B A C | B A C | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 846844 | xxxxxx | 34318926 | xxxxxx | 09/04/2025 | 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. | insufficient reserves |  |  | Reviewer Comment (2025-09-15): Updated bank statement provided | 09/15/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846845 | xxxxxx | 34318763 | xxxxxx | 09/04/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  | The Guarantor Agreement must be signed as an individual VS. Business Entity by Guarantor | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | Reviewer Comment (2025-09-18): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-09-15): Re-assigned to investor. Investor to advise if they are accepting post close corrected GA when guidelines require the GA to be signed at closing.<br>Reviewer Comment (2025-09-15): Condition cannot be cleared. This condition was assigned to the investor and they must approve the post close GA or elect to waive with verified compensation factors.<br>Reviewer Comment (2025-09-10): Assigned to investor. The corrected GA was signed post-close when guidelines indicate should be signed at closing. |  |  | 09/18/2025 | 2 | D B | D B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 846845 | xxxxxx | 34326688 | xxxxxx | 09/04/2025 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Questionable Occupancy: Valuation occupancy differs from occupancy on loan approval. | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Investment property - Appraisal shows property is occupied by owner. Lease agreement in file is dated prior to appraisal report. |  |  | Reviewer Comment (2025-09-09): Updated appraisal provided | 09/09/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 846845 | xxxxxx | 34540826 | xxxxxx | 09/24/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor exception to allow use of 1 month rent and security deposit in lieu of 2 months rent receipt to utilize higher rent amount that is within 120% of estimated rents. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | Reviewer Comment (2025-09-24): Client elects to waive with verified compensation factors |  |  | 09/24/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 846858 | xxxxxx | 34333374 | xxxxxx | 09/04/2025 | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided |  | Per guidelines, 2 years business license is required or borrower LOE on nature of business. Preparer verifies no license, however LOE from borrower on nature of business is still required. |  |  | Reviewer Comment (2025-09-12): Received LOE from borrower, nature of business does not require business license. Exception cleared. | 09/12/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 846858 | xxxxxx | 34333375 | xxxxxx | 09/04/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Missing the Business Purpose Certificate. |  |  | Reviewer Comment (2025-09-12): Received Business Purpose Certificate. Exception cleared. | 09/12/2025 |  |  | 1 | C A | C A D | xxxxxx | xxxxxx | Investment | Purchase | D A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 846860 | xxxxxx | 34327244 | xxxxxx | 09/05/2025 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  |  |  |  | Reviewer Comment (2025-09-11): Received HOI policy. Exception cleared. | 09/11/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 846863 | xxxxxx | 34396329 | xxxxxx | 09/11/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | All parties to the transaction were not included in the Fraud Report and OFAC searches. The Authorized Signor for Seller, xxxxxx, is missing. |  |  | Reviewer Comment (2025-09-15): Received updated Fraud Report. Fraud & OFAC searches run for Authorized Signor for Seller, xxxxxx. Exception cleared. | 09/15/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 846868 | xxxxxx | 34377259 | xxxxxx | 09/11/2025 | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided |  | Final 1003 and wire confirmation received, there is a gift of $171,000 for which there is no gift letter. Provide a fully executed Gift letter. |  |  | Reviewer Comment (2025-09-12): Received executed copy of Gift letter in amount of $171,000.00. Exception cleared. | 09/12/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 846869 | xxxxxx | 34413764 | xxxxxx | 09/11/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx HOA Verification | Property profile report reflects xxxxxx. |  |  | Reviewer Comment (2025-09-15): Received LOX from borrower. Exception cleared. | 09/15/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 846915 | xxxxxx | 34444106 | xxxxxx | 09/17/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | A gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 30- days prior to loan closing or any time after closing.<br> • Any new tradeline with a balance must be included in determining the DTI ratio. |  |  | Reviewer Comment (2025-09-19): UDM provided | 09/19/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846915 | xxxxxx | 34444107 | xxxxxx | 09/17/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  | Reviewer Comment (2025-09-19): 1008 w/ UW name provided | 09/19/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846915 | xxxxxx | 34444111 | xxxxxx | 09/17/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Provide the RCE. |  |  | Reviewer Comment (2025-09-19): RCE provided | 09/19/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846915 | xxxxxx | 34444116 | xxxxxx | 09/17/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Commitment |  |  |  | Reviewer Comment (2025-09-19): FTP provided | 09/19/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846915 | xxxxxx | 34486529 | xxxxxx | 09/17/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide the clear title policy. Multiple liens and judgments on title not addressed. |  |  | Reviewer Comment (2025-09-19): Clear FTP provided | 09/19/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 846921 | xxxxxx | 34330761 | xxxxxx | 09/04/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $700.00 exceeds tolerance of $600.00. Insufficient or no cure was provided to the borrower. (7506) | The Appraisal Fee increased from $600.00 on the initial Loan Estimate to $700.00 on the initial Closing Disclosure without a valid change of circumstance. |  |  | Reviewer Comment (2025-09-09): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. | 09/09/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 846921 | xxxxxx | 34330780 | xxxxxx | 09/04/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-1,590.00 exceeds tolerance of $-1,595.00. Insufficient or no cure was provided to the borrower. (9300) | The Lender Credits decreased from -$1590.00 on the initial Closing Disclosure to -$1595.00 on the final Closing Disclosure without a valid change of circumstance. |  |  | Reviewer Comment (2025-09-09): SitusAMC received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. |  | 09/09/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 846927 | xxxxxx | 34448098 | xxxxxx | 09/15/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Mortgage Broker Fee. Fee Amount of $5,000.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (73109) | Cure nor valid COC provided. A change in rate does not change LPC to BPC. |  |  | Reviewer Comment (2025-09-19): SitusAMC received a valid COC. | 09/19/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 846935 | xxxxxx | 34400767 | xxxxxx | 09/11/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: HOA Questionnaire not provided |  | Incomplete Condo questionnaire in file. The Condominium Project Questionnaire Addendum is incomplete. Items 1 -3c not completed. Cover letter states cannot answer at this time. |  |  | Reviewer Comment (2025-09-18): Received Condo questionnaire Items 1 -3c completed. Exception cleared. | 09/18/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Second Home | Purchase | C B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 846935 | xxxxxx | 34402350 | xxxxxx | 09/11/2025 | Credit | Guideline | Guideline Issue | Guideline | Program Guidelines require the borrower has been in business for a minimum of 2 years. |  | The business being utilized for bank statements has been open and active for < 2 years which is a guideline requirement xxxxxx or 1.61 years). Note: Being in the same line of work and same business are not the same thing. | Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | Reviewer Comment (2025-09-29): Client elects to waive with verified compensation factors |  |  | 09/29/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Second Home | Purchase | C B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 846966 | xxxxxx | 34376962 | xxxxxx | 09/11/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Contact Information - Lender | TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xxxxxx did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name, Contact NMLS ID). (Final xxxxxx) | The Final Closing Disclosure provided on xxxxxx did not disclose the required Lender NMLS ID information. |  |  | Reviewer Comment (2025-09-18): Cured prior to discovery. |  | 09/18/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 846966 | xxxxxx | 34376964 | xxxxxx | 09/11/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Attorney Review Fee. Fee Amount of $150.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7588) | The Attorney Review Fees on the Loan Estimate dated xxxxxx was $0.00; however, the final Closing Disclosure reflects $150.00 without a valid change of circumstance. |  |  | Reviewer Comment (2025-09-26): SitusAMC received COC dated xxxxxx .<br>Reviewer Comment (2025-09-23): SitusAMC received Changed Circumstance dated xxxxxx , but it does not give sufficient information on why the Attorney fee was added. In order to determine if the changed circumstance is valid more information is necessary on reason fee added and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br> "<br>Reviewer Comment (2025-09-19): SitusAMC received Changed Circumstance dated xxxxxx , however fee added on CD dated xxxxxx . Please provide valid COC for CD dated xxxxxx or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check. | 09/26/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 846966 | xxxxxx | 34401332 | xxxxxx | 09/11/2025 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or xxxxxx) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  |  | Reviewer Comment (2025-09-10): Client elects to waive |  |  | 09/10/2025 | 2 | B | B | xxxxxx | xxxxxx | 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 | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 846975 | xxxxxx | 34368489 | xxxxxx | 09/09/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | Provide the 1008 with UW name or Lender's Approval with conditions. |  |  | Reviewer Comment (2025-09-10): 1008 provided | 09/10/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 846975 | xxxxxx | 34368528 | xxxxxx | 09/09/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Desk Review not provided |  | xxxxxx CU 2.6 and xxxxxx CU 1.0. Due to discrepancy, a secondary valuation is required. |  |  | Reviewer Comment (2025-09-10): CDA provided | 09/10/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 846975 | xxxxxx | 34375866 | xxxxxx | 09/09/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $17.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75117) | COC reflects credit supplement required for updated mortgage, however credit report reissue date is xxxxxx and fee was not disclosed until xxxxxx which is > 3 days outside of discovery. Further, mortgage statements were provided with current mortgage history. |  |  | Reviewer Comment (2025-09-16): SitusAMC received PCCD, LOE, proof of mailing & copy of refund check.<br>Reviewer Comment (2025-09-12): SitusAMC received Post CD, LOX, Proof of mailing. However, we would also require Copy of refund check in order to cure the exception. |  | 09/16/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 847004 | xxxxxx | 34512851 | xxxxxx | 09/19/2025 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  | Reviewer Comment (2025-09-23): Initial signed and dated 1003 provided | 09/23/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Investment | Purchase | C A | B | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 847004 | xxxxxx | 34512854 | xxxxxx | 09/19/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Creditor Application Date was not provided |  | Initial 1003 is not signed or dated in file. |  |  | Reviewer Comment (2025-09-23): Initial signed and dated 1003 provided | 09/23/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | B | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 847081 | xxxxxx | 34485772 | xxxxxx | 09/19/2025 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of xxxxxx is less than the note amount of xxxxxx based on the Commitment in file. |  |  |  | Reviewer Comment (2025-09-24): Email from title provided<br>Reviewer Comment (2025-09-23): The incorrect and correct title polices are dated and time stamped the same. Provide evidence of which was provided last (i.e email from title with updates). | 09/24/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 847081 | xxxxxx | 34512444 | xxxxxx | 09/19/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide the business purpose cert. |  |  | Reviewer Comment (2025-09-23): Received Business Purpose Certificate. Exception cleared. | 09/23/2025 |  |  | 1 | C A | C A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 847081 | xxxxxx | 34512543 | xxxxxx | 09/19/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  |  |  |  | Reviewer Comment (2025-09-23): Received Undisclosed Debt Notification Report. Exception Cleared. | 09/23/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 847081 | xxxxxx | 34512555 | xxxxxx | 09/19/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Vesting prior to transfer at closing was in an LLC which is owned partially by a Trust. Provide the Trust Agreement to verify borrower ownership. |  |  | Reviewer Comment (2025-09-24): Received Trust Agreement. Exception cleared. | 09/24/2025 |  |  | 1 | C A | C A D | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 847081 | xxxxxx | 34512559 | xxxxxx | 09/19/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide page 3 of the Final CD signed CD with an issue date of xxxxxx. |  |  | Reviewer Comment (2025-09-23): Page 3 provided | 09/23/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | D A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 847093 | xxxxxx | 34373857 | xxxxxx | 09/11/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud and OFAC not located on the authorized signor of the selling entity, xxxxxx and xxxxxx. |  |  | Reviewer Comment (2025-09-17): Received updated Fraud report, Fraud and OFAC search run on the seller. Exception cleared. | 09/17/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 847113 | xxxxxx | 34476347 | xxxxxx | 09/09/2025 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: xxxxxx | The file is missing a copy Fraud Report for borrower. |  |  | Reviewer Comment (2025-09-10): Provided and cleared. | 09/10/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 847113 | xxxxxx | 34476349 | xxxxxx | 09/09/2025 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) | No Documentation in the file to evidence borrower was provided with a copy of valuation three (3) business days prior to consummation. |  |  | Reviewer Comment (2025-09-10): Provided and cleared. | 09/10/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 847114 | xxxxxx | 34340832 | xxxxxx | 08/28/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The lender exception has been requested to allow escrow waiver with loan score of 667. Transaction is 5% below max financing. DSCR >.75 based on lower lease figures- All taxes paid current. | The qualifying DSCR on the loan is greater than the guideline minimum. | The DSCR of 0.83% is greater than the minimum required DSCR of 0.75%. | Reviewer Comment (2025-08-28): Client elects to downgrade and waive based on the following compensating factors:<br> Transaction is 5% below max financing, DSCR is 0.83%, all taxes paid current |  |  | 08/28/2025 | 2 | B | B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 847155 | xxxxxx | 34451735 | xxxxxx | 09/17/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $2,263.58 exceeds tolerance of $1,861.00 plus 10% or $2,047.10. Insufficient or no cure was provided to the borrower. xxxxxx | 10% fee violation due to an increase in the Title - <br> Settlement / closing / Escrow; Title - Courier / Express Mail / Messenger fee; Title Recording fee and Title - Release Tracking Fee. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $402.58, a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  |  | Reviewer Comment (2025-09-29): SitusAMC received LOE for increase in title fees.<br>Reviewer Comment (2025-09-26): SItusAMC received LOX rebuttal comment, however, Title CD received with new information is not valid reason to re-baseline this exception. When a lender issues a revised LE or CD reflecting an increase in fee(s) subject to tolerance, sufficient COC documentation is required to re-baseline fee amounts. The regulation provides that "the creditor must be able to show compliance with § 1026.19(e) by documenting the original estimate of the cost at issue, explaining the reason for revision and how it affected settlement costs, showing that the corrected disclosure increased the estimate only to the extent that the reason for revision actually increased the cost, and showing that the timing requirements of § 1026.19(e)(4) were satisfied. COC or Cure required to complete the remediation. | 09/29/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 847180 | xxxxxx | 34403113 | xxxxxx | 09/11/2025 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | ISAOA is missing |  |  | Reviewer Comment (2025-09-16): Updated HOI provided | 09/16/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 847194 | xxxxxx | 34489047 | xxxxxx | 09/19/2025 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | RCE is > 1 year old |  |  | Reviewer Comment (2025-10-01): RCE provided | 10/01/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | D | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 847194 | xxxxxx | 34489208 | xxxxxx | 09/19/2025 | Compliance | Compliance | State Compliance | State Defect | (xxxxxx 50(a)(6)) xxxxxx Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Signed by the Lender) | xxxxxx Constitution Section 50(a)(6): Acknowledgment of the Fair Market Value not properly executed by the Lender. |  |  |  | Reviewer Comment (2025-09-25): LOE to borrower and evidence of delivery to borrower of the signed disclosure provided<br>Reviewer Comment (2025-09-23): The disclosure is signed and dated by the lender post close. To cure, provide the LOE to borrower and evidence of delivery of the signed disclosure to the borrower. |  | 09/25/2025 |  | 2 | C B | C B D | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | To Remediate: the lender or holder may either: (1) Deliver to the borrower the required disclosure documents, (AFMV signed by the lender), and obtain an executed copy; OR (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. Letter of explanation and proof of delivery of cure documents required, and, if cured with refund or credit, copy of refund check or evidence of principal reduction also required. B C | D | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 847194 | xxxxxx | 34499698 | xxxxxx | 09/19/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  | Reviewer Comment (2025-09-22): Received Eligibility Review with conditions. Exception cleared. | 09/22/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | D | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 847194 | xxxxxx | 34499935 | xxxxxx | 09/19/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Page 3 of the Final CD under Final, Total Payoffs and Payments, should reflect xxxxxx (must reflect as a negative number). |  |  | Reviewer Comment (2025-09-23): Corrected PC-CD provided | 09/23/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B C A | D | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 847194 | xxxxxx | 34500108 | xxxxxx | 09/19/2025 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or xxxxxx) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  |  | Reviewer Comment (2025-09-19): Client elects to waive |  |  | 09/19/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B C | D | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 847204 | xxxxxx | 34531551 | xxxxxx | 09/28/2025 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  |  | Reviewer Comment (2025-09-30): Received E-Sign Consent Agreement. Exception cleared. | 09/30/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 847204 | xxxxxx | 34531652 | xxxxxx | 09/28/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  | Reviewer Comment (2025-09-30): Received Final Title Policy. Exception cleared. | 09/30/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 847204 | xxxxxx | 34531658 | xxxxxx | 09/28/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  |  | Reviewer Comment (2025-09-30): Received Final Title Policy. Exception cleared. | 09/30/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 847204 | xxxxxx | 34531722 | xxxxxx | 09/28/2025 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  | Reviewer Comment (2025-09-25): Client elects to waive |  |  | 09/25/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 847204 | xxxxxx | 34531726 | xxxxxx | 09/28/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final xxxxxx) | Evidence of earlier receipt not provided |  |  | Reviewer Comment (2025-10-01): SitusAMC received initial CD. | 10/01/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | No Defined Cure B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 847204 | xxxxxx | 34549254 | xxxxxx | 09/28/2025 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | 1) The appraisal provided does not have any pictures of the subject property interior / exterior nor any of the comparables. Provide the color appraisal with all photos. 2) The 442 provided does not have any pictures of the repairs required. Provided the color 442 with photos. |  |  | Reviewer Comment (2025-09-29): Complete appraisal and 442 provided | 09/29/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 847244 | xxxxxx | 34478649 | xxxxxx | 08/28/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The file is missing the OFAC report for the business entity. |  |  | Reviewer Comment (2025-09-09): An OFAC search was provided. | 09/09/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 847244 | xxxxxx | 34478650 | xxxxxx | 08/28/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal disclosed that property was listed for sale within the last 12 months. Please provide a letter of explanation clearly disclosing evidence that the property was taken off the market prior to the Note date. If property was listed at, or near the the application date, the lower list price will be used the the LTV. |  |  | Reviewer Comment (2025-09-09): Evidence listing cancelled, LOE from borrower and most recent sales price used for LTV. | 09/09/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 847262 | xxxxxx | 34478722 | xxxxxx | 09/04/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Statement | Mortgage statement is missing in the file. |  |  | Reviewer Comment (2025-09-10): Received first payment letter for newly originated loan reflecting PITI | 09/10/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | A | A | Exempt from ATR | N/A | No | Mortgagor Focused |
| xxxxxx | 847262 | xxxxxx | 34478725 | xxxxxx | 09/04/2025 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $0.00 is less than Cash From Borrower $272,547.20. | Available for Closing is insufficient to cover Cash from Borrower. |  |  | Reviewer Comment (2025-09-10): Per lender, cash out on additional property used to meet asset requirements. | 09/10/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | A | A | Exempt from ATR | N/A | No | Mortgagor Focused |
| xxxxxx | 847262 | xxxxxx | 34478726 | xxxxxx | 09/04/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 3.00. | Bank statement not provided, unable to verify the assets. |  |  | Reviewer Comment (2025-09-10): Per lender, cash out on additional property used to meet asset requirements. | 09/10/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | A | A | Exempt from ATR | N/A | No | Mortgagor Focused |
| xxxxxx | 847262 | xxxxxx | 34478727 | xxxxxx | 09/04/2025 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Missing bank statements for a balance of $397,382.60. |  |  | Reviewer Comment (2025-09-10): Per lender, cash out on additional property used to meet asset requirements. | 09/10/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | A | A | Exempt from ATR | N/A | No | Mortgagor Focused |
| xxxxxx | 847262 | xxxxxx | 34478728 | xxxxxx | 09/04/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing REO income documentation; mortgage statement for property on xxxxxx and insurance/HOA verification for primary residence. |  |  | Reviewer Comment (2025-09-10): REO documents received | 09/10/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | A | A | Exempt from ATR | N/A | No | Mortgagor Focused |
| xxxxxx | 847269 | xxxxxx | 34478716 | xxxxxx | 08/20/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.36467% or Final Disclosure APR of 8.94000% is equal to or greater than the threshold of APOR 6.75% + 1.5%, or 8.25000%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  | Reviewer Comment (2025-09-05): Cleared with evidence of delivery of the appraisal.. | 09/05/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 847269 | xxxxxx | 34478718 | xxxxxx | 08/20/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx |  |  |  | Reviewer Comment (2025-09-05): Cleared with evidence of delivery of the appraisal..<br>Reviewer Comment (2025-09-02): The document referenced is not sufficient to verify the actual delivery date. | 09/05/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 847278 | xxxxxx | 34478745 | xxxxxx | 09/18/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  | Reviewer Comment (2025-09-22): Received Fraud Report. Exception cleared. | 09/22/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 847322 | xxxxxx | 34575307 | xxxxxx | 09/30/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide Business Purpose Certificate. |  |  | Reviewer Comment (2025-10-06): Received Provide Business Purpose Certificate. Exception cleared. | 10/06/2025 |  |  | 1 | C A | C A D | xxxxxx | xxxxxx | Investment | Purchase | D A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 847322 | xxxxxx | 34575555 | xxxxxx | 09/30/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  |  | Reviewer Comment (2025-10-06): Received Final Title Policy. Exception cleared. | 10/06/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Investment | Purchase | D A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 847322 | xxxxxx | 34575559 | xxxxxx | 09/30/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx or xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  | Reviewer Comment (2025-10-06): Received Final Title Policy. Exception cleared. | 10/06/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Investment | Purchase | D A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 847322 | xxxxxx | 34598808 | xxxxxx | 09/30/2025 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | Per the LOE in file, the borrower lived rent free at the previous residence on xxxxxx. Provide the updated 1003 to reflect No primary housing expense for previous residence vs. rent. |  |  | Reviewer Comment (2025-10-07): Received corrected 1003. Exception cleared. | 10/07/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | D A | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 847368 | xxxxxx | 34632343 | xxxxxx | 10/03/2025 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. | Mortgage statement missing |  |  | Reviewer Comment (2025-10-02): Client elects to waive |  |  | 10/02/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | B A | B | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 847380 | xxxxxx | 34476344 | xxxxxx | 09/08/2025 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) | Only appraisal notice in file dated xxxxxx vs. xxxxxx report date. |  |  | Reviewer Comment (2025-09-10): Waived per client guidance. |  |  | 09/10/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | B A | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 847394 | xxxxxx | 34499369 | xxxxxx | 09/10/2025 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: xxxxxx |  |  |  | Reviewer Comment (2025-09-12): After further review, exception cleared.<br>Reviewer Comment (2025-09-12): Exception is for fraud report, not credit report. | 09/12/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | B | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 847394 | xxxxxx | 34499371 | xxxxxx | 09/10/2025 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) |  |  |  | Reviewer Comment (2025-09-15): Removing ECOA testing for Business purpose.<br>Reviewer Comment (2025-09-15): reopen<br>Reviewer Comment (2025-09-10): xxxxxx report unable to be received 3 business days prior to xxxxxx close. | 09/15/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | B | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 847394 | xxxxxx | 34499372 | xxxxxx | 09/10/2025 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Exception is for right to receive appraisal disclosure, not appraisal itself. Only disclosure in file dated same day as closing, exception remains. |  |  | Reviewer Comment (2025-09-15): Removing ECOA testing for Business purpose.<br>Reviewer Comment (2025-09-12): Exception is for right to receive appraisal disclosure, not appraisal itself. Only disclosure in file dated same day as closing, exception remains. | 09/15/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | B | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 847394 | xxxxxx | 34499373 | xxxxxx | 09/10/2025 | Compliance | Compliance | Federal Compliance | RESPA | Missing Final HUD-1 RESPA Investment Occupancy No Business Purpose Cert (Not subject to APL) | RESPA: Missing Final HUD-1 Title Co. Closing Statement used to source fees. Investment occupancy witrh no business purpose cert in file. Loan is not subject to APL tests in scope requiring points and fees. |  |  |  | Reviewer Comment (2025-09-15): Business purpose cert provided and cleared<br>Reviewer Comment (2025-09-15): reopen<br>Reviewer Comment (2025-09-12): Okay per client | 09/15/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C A | B | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 847401 | xxxxxx | 34376647 | xxxxxx | 09/11/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Taxes, Insurance And Assessments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xxxxxx disclosed an Estimated Taxes, Insurance, and Assessments payment that does not match the actual payment for the loan. (Final xxxxxx) | The Estimated Taxes, Insurance & Assessments per Final CD is $0 on page 1. |  |  | Reviewer Comment (2025-09-23): SitusAMC received Letter of Explanation and Corrected CD.<br>Reviewer Comment (2025-09-18): Situsamc Received Corrected PCCD; however, LOE not received. Provide LOE to borrower.<br>Reviewer Comment (2025-09-12): Lender required to disclose total Estimated Taxes, Insurance and Assessments (escrowed and non-escrowed) on page 1 of the CD. Please provide LOE, PCCD, and proof of mailing to cure. |  | 09/23/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | C | B D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 847401 | xxxxxx | 34376649 | xxxxxx | 09/11/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Property Costs Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxxxx did not disclose Estimated Property Costs over Year 1 for loan with no escrow account established. (Final xxxxxx) | Non-Escrowed property costs Year 1 not reflected on page 4 |  |  | Reviewer Comment (2025-09-23): SitusAMC received Letter of Explanation & Corrected Closing Disclosure.<br>Reviewer Comment (2025-09-18): Situsamc Received Corrected PCCD; however, LOE not received. Provide LOE to borrower.<br>Reviewer Comment (2025-09-12): Lender required to disclose total Property Costs over Year 1 under the "Will not have escrow" section if no escrow account is established. Please provide LOE, PCCD to cure. |  | 09/23/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B | C | B D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 847401 | xxxxxx | 34376658 | xxxxxx | 09/11/2025 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a xxxxxx/xxxxxx form and does not contain the following clauses: | Homestead Exemption Waiver |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | Reviewer Comment (2025-09-10): Client elects to waive |  |  | 09/10/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | C | B D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 847401 | xxxxxx | 34376672 | xxxxxx | 09/11/2025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal was provided. Secondary valuation from subject transaction is missing. . Sec ID: 128 | Note date: xxxxxx; Lien Position: 2 |  |  |  | Reviewer Comment (2025-09-22): CDA provided | 09/22/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | C | B D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 847401 | xxxxxx | 34376703 | xxxxxx | 09/11/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | Reviewer Comment (2025-09-29): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-09-22): The Note being requested is the senior lien mortgage note vs. the subject property mortgage note which is a guideline requirement for Closed End Seconds. |  |  | 09/29/2025 | 2 | D B | D B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | D B | C | B D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 847401 | xxxxxx | 34402222 | xxxxxx | 09/11/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $865.00 exceeds tolerance of $525.00. Insufficient or no cure was provided to the borrower. (7506) | COC dated xxxxxx reflects appraisal fee increased due to high complexities associated with the xxxxxx. Additional information is required regarding complexity which caused fee to increase to determine if COC Is valid. Appraisal completion date is xxxxxx and appraisal invoice is xxxxxx. |  |  | Reviewer Comment (2025-09-18): SitusAMC Received Valid COC along with supporting comments on the exception. | 09/18/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | C | B D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 847448 | xxxxxx | 34359819 | xxxxxx | 09/10/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | Large deposit: Provide final xxxxxx losing statement /HUD-1 to verify proceeds from sale of REO / ownership for property xxxxxx as per xxxxxx xxxxxx bank statement (D0224). |  |  | Reviewer Comment (2025-09-15): Received Final Settlement Statement. Exception cleared. | 09/15/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Second Home | Purchase | C A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 847452 | xxxxxx | 34404537 | xxxxxx | 09/11/2025 | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided |  | Additional gift letters required and not provided outside of the 3 for $10,000 and 1 for $40,000. The transfers into borrower's account came from the same donor's account noted (xxxxxx) for $8,100 xxxxxx and large deposit > 100% of borrower's income), $6,000 xxxxxx $1,100 6/23, $2,000 6/23, $2,000 xxxxxx Note: Borrower had 3 separate transfers from these accounts for $10,000 each and 1 for $40,000). Although large deposits do not need to be sourced in excess of 100% of the borrower's income on Non-Perm residents, if it can be seen additional deposits came from the donor, it must be addressed. |  |  | Reviewer Comment (2025-09-22): Received gift letter amount and the sourced of deposit matches. Exception cleared.<br>Reviewer Comment (2025-09-18): Received Gift letter is in amount of $24,710.05, however the total deposits in account are in amount of $19,200. Therefore, provide the updated gift letter. Exception remains. | 09/22/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 847457 | xxxxxx | 34444138 | xxxxxx | 09/17/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Insurance Verification |  |  |  | Reviewer Comment (2025-09-23): HOI provided | 09/23/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 847457 | xxxxxx | 34485684 | xxxxxx | 09/17/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participants, authorized signor for the seller, xxxxxx, was not included in the report. |  |  | Reviewer Comment (2025-09-24): Received updated fraud report. Fraud and OFAC search run on the seller. Exception cleared.<br>Reviewer Comment (2025-09-23): Condition cannot be waived. xxxxxx is the individual that signed the purchase contact for the Seller therefore the individual must be run. | 09/24/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 847778 | xxxxxx | 34601154 | xxxxxx | 09/15/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 1.05 is less than Guideline PITIA months reserves of 3.00. | Sufficient assets were not verified to cover cash required to close and guideline required 3 months PITI reserves. |  |  | Reviewer Comment (2025-09-17): Lender exception for less than 3 months reserves was approved with comp factors. Condition cleared. | 09/17/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 847778 | xxxxxx | 34601155 | xxxxxx | 09/15/2025 | 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. | Sufficient assets were not verified to cover cash required to close and guideline required 3 months PITI reserves. |  |  | Reviewer Comment (2025-09-17): Lender exception for less than 3 months reserves was approved with comp factors. Condition cleared. | 09/17/2025 |  |  | 1 | B A C | B A C | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 847778 | xxxxxx | 34601156 | xxxxxx | 09/15/2025 | 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. | Sufficient assets were not verified to cover cash required to close and guideline required 3 months PITI reserves. |  |  | Reviewer Comment (2025-09-17): Lender exception for less than 3 months reserves was approved with comp factors. Condition cleared. | 09/17/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 847778 | xxxxxx | 34601157 | xxxxxx | 09/17/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approval for reserves of 1.05 months. Approved with comp factors. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Documentation Type: 12mo Bank Statement<br> Disposable Income: $4,874.55<br>Guidelines Representative FICO: 720<br> Representative FICO: 773 | Reviewer Comment (2025-09-17): Client elects to waive with compensating factors. |  |  | 09/17/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 847779 | xxxxxx | 34601148 | xxxxxx | 09/15/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | File is missing the final closing statement from the sale of the departing residence. |  |  | Reviewer Comment (2025-09-17): Closing Statement received and verified. Exception cleared | 09/17/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 847789 | xxxxxx | 34540243 | xxxxxx | 09/29/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | A gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 30- days prior to loan closing or any time after closing. |  |  | Reviewer Comment (2025-10-01): Received gap credit report. Exception cleared. | 10/01/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | B | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 847789 | xxxxxx | 34540305 | xxxxxx | 09/29/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $650.00 exceeds tolerance of $625.00. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  |  | Reviewer Comment (2025-09-24): Sufficient Cure Provided At Closing |  | 09/24/2025 |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure B A | B | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 847789 | xxxxxx | 34540306 | xxxxxx | 09/29/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $688.11 exceeds tolerance of $550.00. Sufficient or excess cure was provided to the borrower at Closing. (75215) |  |  |  | Reviewer Comment (2025-09-24): Sufficient Cure Provided At Closing |  | 09/24/2025 |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure B A | B | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 847789 | xxxxxx | 34581191 | xxxxxx | 09/29/2025 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  | Reviewer Comment (2025-09-28): Client elects to waive |  |  | 09/28/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | B | B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 847812 | xxxxxx | 34515464 | xxxxxx | 09/24/2025 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $171,699.58 is less than Cash From Borrower $216,282.39. |  |  |  | Reviewer Comment (2025-10-06): Cashier's check for additional funds for closing provided that matches bank statement withdrawal.<br>Reviewer Comment (2025-09-29): Funds to close is calculated as funds to close + EMD + POCB + any adjustments/gifts/1031 on the Final xxxxxx D/Settlement Statement. Evidence of the cashier's check is required to add back the $100K debit on xxxxxx to closing funds as it is not clear what it is for and to support for this transaction. The other wire on xxxxxx to title is the gift funds supported by the wire in file. Further, only 50% of the most recent ending balance for xxxxxx can be utilized assets are limited to the borrower's ownership %. | 10/06/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 847812 | xxxxxx | 34515466 | xxxxxx | 09/24/2025 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | The provided HOI policy in file does not reflect the complete Mortgagee Clause as the ISAOA Clause is missing on it. Provide an updated HOI policy reflecting the complete Mortgage Clause for the lender. |  |  | Reviewer Comment (2025-09-29): Updated HOI provided. Per client, allows update to mortgagee post-close. | 09/29/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 847812 | xxxxxx | 34515467 | xxxxxx | 09/24/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Other | Provide supporting documents to verify that the property at xxxxxx is owned free & clear. |  |  | Reviewer Comment (2025-10-08): Received Property Detail Report to verify property is free and clear. Exception cleared. | 10/08/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 847812 | xxxxxx | 34515469 | xxxxxx | 09/24/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 3.00. | Insufficient reserves. |  |  | Reviewer Comment (2025-10-06): Cashier's check for additional funds for closing provided that matches bank statement withdrawal.<br>Reviewer Comment (2025-09-29): Funds to close is calculated as funds to close + EMD + POCB + any adjustments/gifts/1031 on the Final xxxxxx D/Settlement Statement. Evidence of the cashier's check is required to add back the $100K debit on xxxxxx to closing funds as it is not clear what it is for and to support for this transaction. The other wire on xxxxxx to title is the gift funds supported by the wire in file. Further, only 50% of the most recen4t ending balance for xxxxxx can be utilized assets are limited to the borrower's ownership %. | 10/06/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 847812 | xxxxxx | 34515471 | xxxxxx | 09/24/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Insufficient reserves. |  |  | Reviewer Comment (2025-10-06): Cashier's check for additional funds for closing provided that matches bank statement withdrawal.<br>Reviewer Comment (2025-09-29): Funds to close is calculated as funds to close + EMD + POCB + any adjustments/gifts/1031 on the Final xxxxxx D/Settlement Statement. Evidence of the cashier's check is required to add back the $100K debit on xxxxxx to closing funds as it is not clear what it is for and to support for this transaction. The other wire on xxxxxx to title is the gift funds supported by the wire in file. Further, only 50% of the most recen4t ending balance for xxxxxx can be utilized assets are limited to the borrower's ownership %. | 10/06/2025 |  |  | 1 | B A C | B A C | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 847812 | xxxxxx | 34515472 | xxxxxx | 09/24/2025 | 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. | Insufficient reserves. |  |  | Reviewer Comment (2025-10-06): Cashier's check for additional funds for closing provided that matches bank statement withdrawal.<br>Reviewer Comment (2025-09-29): Funds to close is calculated as funds to close + EMD + POCB + any adjustments/gifts/1031 on the Final xxxxxx D/Settlement Statement. Evidence of the cashier's check is required to add back the $100K debit on xxxxxx to closing funds as it is not clear what it is for and to support for this transaction. The other wire on xxxxxx to title is the gift funds supported by the wire in file. Further, only 50% of the most recen4t ending balance for xxxxxx can be utilized assets are limited to the borrower's ownership %. | 10/06/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 847812 | xxxxxx | 34531143 | xxxxxx | 09/24/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | A different individual provided the expense factor that provided the evidence of ownership %. A license number was not provided for this individual (Said A.) |  |  | Reviewer Comment (2025-10-02): Per client clarification, for bank statement loans, we do not specify that a type of license and/or certification is to be held which is also intentional. Therefore the search reflecting preparer in IRS system is acceptable Requested clearance.<br>Reviewer Comment (2025-10-02): The IRS verification reflects (AFSP) Record of Completion which is a certificate issued by the IRS to non-credentialed tax preparers. Per guidelines, expense factor must be provided by a licensed preparer, CPA / Accountant or IRS Enrolled Agent.<br>Reviewer Comment (2025-09-29): The same document was provided that was in file at time of review. Please review the original condition. A different individual provided the expense factor that provided the evidence of ownership %. A license number was not provided for this individual (Said A.) | 10/02/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 847820 | xxxxxx | 34499386 | xxxxxx | 09/12/2025 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Right to receive copy of appraisal is not provided within 3 business days of application. |  |  | Reviewer Comment (2025-09-15): Cleared non- Material ECOA not being tested on Business purpose loans. | 09/15/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Investment | Purchase | B A | B | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 847828 | xxxxxx | 34499364 | xxxxxx | 09/11/2025 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) | Evidence of earlier receipt missing from file. |  |  | Reviewer Comment (2025-09-15): Cleared non- Material ECOA not being tested on Business purpose loans. | 09/15/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 847828 | xxxxxx | 34499366 | xxxxxx | 09/11/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Homeowners Insurance Included In Escrow Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xxxxxx incorrectly disclosed whether Homeowners Insurance is included in escrow. (Final xxxxxx) | Closing Disclosure dated xxxxxx on page 1 shows Homeowner's insurance answered "YES" however the box is not checked off. Page 2 shows no homeowner's insurance being included in section G. |  |  | Reviewer Comment (2025-09-16): SitusAMC received PCCD and LOE. |  | 09/16/2025 |  | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 847828 | xxxxxx | 34499367 | xxxxxx | 09/11/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $200.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (75103) | Credit report Fee was disclosed on initial Loan estimate as $0.00 but disclosed on final Closing Disclosure $200.00. File does not contain a valid COC for this fee, nor evidence of cure is provided in file. |  |  | Reviewer Comment (2025-09-10): Sufficient Cure Provided At Closing |  | 09/10/2025 |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 847831 | xxxxxx | 34545653 | xxxxxx | 09/15/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.78449% or Final Disclosure APR of 8.89700% is equal to or greater than the threshold of APOR 6.61% + 1.5%, or 8.11000%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of 8.78449% or Final Disclosure APR of 8.89700% is equal to or greater than the threshold of APOR 6.61% + 1.5%, or 8.11000%. |  |  | Reviewer Comment (2025-09-22): After further review, exception cleared. | 09/22/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 847831 | xxxxxx | 34545655 | xxxxxx | 09/15/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Flipped Property - Did Not Obtain 2 Appraisals) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Flipped Property - Creditor did not obtain two (2) written appraisals. | Seller acquired property on xxxxxx for $0 per appraisal. Contract date of subject is xxxxxx with purchase price of xxxxxx Subject is considered a flip, secondary appraisal required. |  |  | Reviewer Comment (2025-09-22): Evidence that the previous transaction was a Quit Claim was provided. | 09/22/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 847831 | xxxxxx | 34545657 | xxxxxx | 09/15/2025 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxxx Statement | Missing Mortgage statement for xxxxxx |  |  | Reviewer Comment (2025-09-22): Mortgage statement was provided. | 09/22/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 847832 | xxxxxx | 34476351 | xxxxxx | 09/08/2025 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: xxxxxx |  |  |  | Reviewer Comment (2025-09-09): Provided and cleared. | 09/09/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C A | B | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 847832 | xxxxxx | 34476363 | xxxxxx | 09/08/2025 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Missing evidence of receipt of "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application |  |  | Reviewer Comment (2025-09-15): Cleared non- Material ECOA not being tested on Business purpose loans. | 09/15/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Investment | Purchase | C A | B | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 847832 | xxxxxx | 34476364 | xxxxxx | 09/08/2025 | Compliance | Compliance | Federal Compliance | RESPA | Missing Final HUD-1 RESPA Investment Occupancy No Business Purpose Cert (Not subject to APL) | RESPA: Missing Final HUD-1 Title Co. Closing Statement used to source fees. Investment occupancy witrh no business purpose cert in file. Loan is not subject to APL tests in scope requiring points and fees. | Signed closing statement used for testing, final HUD-1 not provided. |  |  | Reviewer Comment (2025-09-15): Cleared non- Material ECOA not being tested on Business purpose loans. | 09/15/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Investment | Purchase | C A | B | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 847832 | xxxxxx | 34476365 | xxxxxx | 09/08/2025 | Compliance | Compliance | State Compliance | State Late Charge | xxxxxx Non Primary Residence Late Charge Grace Period Testing | xxxxxx Late Charge: Note grace period of 5 days is less than the state minimum of 10 days. |  |  |  | Reviewer Comment (2025-09-15): Cleared non- Material ECOA not being tested on Business purpose loans.<br>Reviewer Comment (2025-09-15): reopen<br>Reviewer Comment (2025-09-12): Okay per client | 09/15/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Investment | Purchase | C A | B | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 847835 | xxxxxx | 34499384 | xxxxxx | 09/11/2025 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Evidence of earlier receipt missing from file. |  |  | Reviewer Comment (2025-09-15): Cleared non- Material ECOA not being tested on Business purpose loans.<br>Reviewer Comment (2025-09-12): Exception is for right to receive appraisal disclosure, not appraisal itself. Only disclosure in file dated same day as closing, exception remains. | 09/15/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Investment | Purchase | B A | B | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 847836 | xxxxxx | 34499377 | xxxxxx | 09/11/2025 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: xxxxxx |  |  |  | Reviewer Comment (2025-09-16): Provided and cleared. | 09/16/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | B | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 847836 | xxxxxx | 34499378 | xxxxxx | 09/11/2025 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary xxxxxx) | Creditor did not provide a copy of each valuation to applicant three business days prior to consummation. |  |  | Reviewer Comment (2025-09-15): Cleared non- Material ECOA not being tested on Business purpose loans. | 09/15/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Primary | Purchase | C A | B | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 847873 | xxxxxx | 34476625 | xxxxxx | 09/17/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  |  | Reviewer Comment (2025-09-18): COGS provided | 09/18/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 847873 | xxxxxx | 34476640 | xxxxxx | 09/17/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.60 is less than Guideline PITIA months reserves of 2.00. | There is a wire in file for funds to close for $185,000, however it is dated post close and cannot be considered. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | Reviewer Comment (2025-09-22): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-09-18): Disbursement date has no bearing on funds to close. Funds to close must be received at or prior to closing to be considered. |  |  | 09/22/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Purchase | C B | N/A | N/A |  | N/A | No | Property Focused |
| xxxxxx | 847897 | xxxxxx | 34511706 | xxxxxx | 09/23/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | xxxxxx - mortgage lien from creditor xxxxxx and xxxxxx - mortgage lien from creditor xxxxxx are not reporting on credit report. 1) Mortgage Statement and Pay history provided for xxxxxx. Provide the borrower's most recent 6 month pay history. 2) Mortgage statement provided for xxxxxx Provide the 12-months Verification of Mortgage form (VOM) completed by the creditor/servicer and proof of borrower's payment for the most recent 6-months payments. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | Reviewer Comment (2025-10-04): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-10-03): Received Credit Supplement document is not sufficient to prove the borrower most recent 6 months payment. Provide cancelled checks/bank statement. Exception remains.<br>Reviewer Comment (2025-09-25): Received 12 months of mortgage pay history from the the creditor/servicer for both properties located at xxxxxx. Provide proof of borrower's payment for the most recent 6-months payments for both properties. Exception remains. |  |  | 10/04/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 847897 | xxxxxx | 34512288 | xxxxxx | 09/23/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Trust Agreement (Asset) not provided |  |  |  |  | Reviewer Comment (2025-09-24): Received Trust Agreement reflecting borrower (xxxxxx) as the xxxxxx. Exception cleared. | 09/24/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 847897 | xxxxxx | 34512337 | xxxxxx | 09/23/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx CPA Letter | CPA Letter in file is not dated |  |  | Reviewer Comment (2025-09-24): Dated preparer letter provided | 09/24/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 847897 | xxxxxx | 34512430 | xxxxxx | 09/23/2025 | 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. | CPA Letter in file is not dated |  |  | Reviewer Comment (2025-09-24): Dated preparer letter provided | 09/24/2025 |  |  | 1 | B A C | B A C | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 847897 | xxxxxx | 34512431 | xxxxxx | 09/23/2025 | 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. | CPA Letter in file is not dated |  |  | Reviewer Comment (2025-09-24): Dated preparer letter provided | 09/24/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 847965 | xxxxxx | 34444187 | xxxxxx | 09/17/2025 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | The file is missing rate lock document. |  |  | Reviewer Comment (2025-09-17): Client elects to waive |  |  | 09/17/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | B A | B | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 847965 | xxxxxx | 34486080 | xxxxxx | 09/17/2025 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or xxxxxx) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  |  | Reviewer Comment (2025-09-17): Client elects to waive |  |  | 09/17/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B | B | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 847970 | xxxxxx | 34444151 | xxxxxx | 09/17/2025 | 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. | Gift letter is dated post-close. Disbursement date has no bearing on this. No other documentation for gift dated at or prior to closing in file. |  |  | Reviewer Comment (2025-09-29): Gift letter dated at closing provided.<br>Reviewer Comment (2025-09-19): The only document provided was the receipt of gift funds which is also dated xxxxxx and post close. All gift documentation is dated post-close. Disbursement date has no bearing on this. | 09/29/2025 |  |  | 1 | B A C | B A C | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM status C | C | A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 847970 | xxxxxx | 34444152 | xxxxxx | 09/17/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Assets | Ability to Repay (Dodd-Frank 2014): Unable to verify assets using reasonably reliable third-party records. (Gift Funds/Gift Funds) | Gift letter is dated post-close. Disbursement date has no bearing on this. No other documentation for gift dated at or prior to closing in file. |  |  | Reviewer Comment (2025-09-29): Gift letter dated at closing provided.<br>Reviewer Comment (2025-09-19): The only document provided was the receipt of gift funds which is also dated xxxxxx and post close. All gift documentation is dated post-close. Disbursement date has no bearing on this. | 09/29/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 847970 | xxxxxx | 34444153 | xxxxxx | 09/17/2025 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Gift letter is dated post-close. Disbursement date has no bearing on this. No other documentation for gift dated at or prior to closing in file. |  |  | Reviewer Comment (2025-09-29): Gift letter dated at closing provided.<br>Reviewer Comment (2025-09-19): The only document provided was the receipt of gift funds which is also dated xxxxxx and post close. All gift documentation is dated post-close. Disbursement date has no bearing on this. | 09/29/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 847970 | xxxxxx | 34444158 | xxxxxx | 09/17/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | Provide evidence of receipt of the $160,000 gift funds. |  |  | Reviewer Comment (2025-09-19): Received Source of Funds. Exception cleared. | 09/19/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 847970 | xxxxxx | 34444165 | xxxxxx | 09/17/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | All parties to the transaction were not included in the Fraud Report and OFAC searches. The Authorized Signor of Seller, xxxxxx, is missing. |  |  | Reviewer Comment (2025-09-19): Received Fraud and OFAC search run on Authorized Signor of Seller, xxxxxx. Exception cleared. | 09/19/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 847971 | xxxxxx | 34488666 | xxxxxx | 09/18/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Transaction participants, authorized signor for the seller, xxxxxx, was not included in the report. |  |  | Reviewer Comment (2025-09-22): Received OFAC search and SAM.gov for the seller, xxxxxx. Exception cleared. | 09/22/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 847978 | xxxxxx | 34444019 | xxxxxx | 09/17/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  |  |  |  | Reviewer Comment (2025-09-19): Received Purchase Agreement. Exception cleared. | 09/19/2025 |  |  | 1 | D A | D A | xxxxxx | xxxxxx | Primary | Purchase | D A | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 847979 | xxxxxx | 34523895 | xxxxxx | 09/28/2025 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 2.42 is less than Guideline PITIA months reserves of 4.00. | Available assets $212,856.49 minus cash from borrower $198,963.41 = Available for reserves $13,893.08 or 2.42 months. |  |  | Reviewer Comment (2025-10-03): Received final stamped closing statement matching PC-CD, paid appraisal POCB fee and refund of EMD at closing.<br>Reviewer Comment (2025-09-30): Condition cannot be cleared. Cash to close is calculated as funds to close + EMD + POCB fees + any gifts/1031/adjustments on the final xxxxxx D/Settlement Statement. 1) The settlement statement provided is not signed stamped certified. 2) All of the figures less cash back at closing =$215,887.63 borrower required funds which is an increase from the Final CD and PC-CD provided at time of review. $26,700 Deposit + $95,000 Gift + $94,656.49 Gift + $23,200 Gift + $600 POCB -$24,268.86 refund =$212,856.49 cash to close. The loan file does not contain verification of the $26,700 deposit that was initially provided nor does the Final CD or PC-CD in file reflect this figure either. If it was initially provided, it must be verified. | 10/03/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | A B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 847979 | xxxxxx | 34523914 | xxxxxx | 09/28/2025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Due to short the required reserves. |  |  | Reviewer Comment (2025-10-03): Received final stamped closing statement matching PC-CD, paid appraisal POCB fee and refund of EMD at closing.<br>Reviewer Comment (2025-09-30): Condition cannot be cleared. Cash to close is calculated as funds to close + EMD + POCB fees + any gifts/1031/adjustments on the final xxxxxx D/Settlement Statement. 1) The settlement statement provided is not signed stamped certified. 2) All of the figures less cash back at closing =$215,887.63 borrower required funds which is an increase from the Final CD and PC-CD provided at time of review. $26,700 Deposit + $95,000 Gift + $94,656.49 Gift + $23,200 Gift + $600 POCB -$24,268.86 refund =$212,856.49 cash to close. The loan file does not contain verification of the $26,700 deposit that was initially provided nor does the Final CD or PC-CD in file reflect this figure either. If it was initially provided, it must be verified. | 10/03/2025 |  |  | 1 | B A C | B A C | xxxxxx | xxxxxx | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | C | A B | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 847979 | xxxxxx | 34523915 | xxxxxx | 09/28/2025 | 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. | Due to short the required reserves. |  |  | Reviewer Comment (2025-10-03): Received final stamped closing statement matching PC-CD, paid appraisal POCB fee and refund of EMD at closing.<br>Reviewer Comment (2025-09-30): Condition cannot be cleared. Cash to close is calculated as funds to close + EMD + POCB fees + any gifts/1031/adjustments on the final xxxxxx D/Settlement Statement. 1) The settlement statement provided is not signed stamped certified. 2) All of the figures less cash back at closing =$215,887.63 borrower required funds which is an increase from the Final CD and PC-CD provided at time of review. $26,700 Deposit + $95,000 Gift + $94,656.49 Gift + $23,200 Gift + $600 POCB -$24,268.86 refund =$212,856.49 cash to close. The loan file does not contain verification of the $26,700 deposit that was initially provided nor does the Final CD or PC-CD in file reflect this figure either. If it was initially provided, it must be verified. | 10/03/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | A B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 847979 | xxxxxx | 34543312 | xxxxxx | 09/28/2025 | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender | Valuation Type: Appraisal / Valuation Report date: xxxxxx | Provided appraisal transfer letter does not list the Borrower Name and is not signed by an authorized member of xxxxxx Also, missing a copy of the invoice submitted to the original lender. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | Reviewer Comment (2025-09-25): Client elects to waive |  |  | 09/25/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | A B | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 847984 | xxxxxx | 34489690 | xxxxxx | 09/19/2025 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  | Reviewer Comment (2025-09-19): Client elects to waive |  |  | 09/19/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Purchase | C B A | B | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 847984 | xxxxxx | 34489707 | xxxxxx | 09/19/2025 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Hazard Insurance Policy Effective Date xxxxxx; Disbursement date: xxxxxx; Note date: xxxxxx; Transaction date: xxxxxx | Dry State: The Hazard Insurance Policy Effective Date is after the later of the disbursement, note or transaction date. |  |  | Reviewer Comment (2025-09-23): Final stamped settlement statement and PC-CD provided with updated disbursement date.<br>Reviewer Comment (2025-09-22): The document provided is a PC-CD and is a lender generated document. If the disbursement date on the Final CD is incorrect, the final stamped settlement statement from title is required to support. | 09/23/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | B | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 847987 | xxxxxx | 34486348 | xxxxxx | 09/17/2025 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or xxxxxx) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  |  | Reviewer Comment (2025-09-17): Client elects to waive |  |  | 09/17/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B | B | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 847991 | xxxxxx | 34457520 | xxxxxx | 09/18/2025 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $0.00 is less than Cash From Borrower $2,114.16. | Evidence of the POC totaling xxxxxx for HOI and the appraisal was not provided. |  |  | Reviewer Comment (2025-09-22): Paid POCB invoices provided | 09/22/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | C B A | B | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 847991 | xxxxxx | 34493647 | xxxxxx | 09/18/2025 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or xxxxxx) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  |  | Reviewer Comment (2025-09-18): Client elects to waive |  |  | 09/18/2025 | 2 | B | B | xxxxxx | xxxxxx | 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 | B | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 847991 | xxxxxx | 34518587 | xxxxxx | 09/22/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $945,769.97 is over disclosed by $59.86 compared to the calculated Amount Financed of $945,710.11 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 xxxxxx). (Final xxxxxx) | Appraisal invoice provided post review which reflects a $145 appraisal management fee. |  |  | Reviewer Comment (2025-09-24): SitusAMC received lender certification confirming AMC fee was primarily for confirming appraisal information & is 4c7 services to exclude from finance charge<br>Reviewer Comment (2025-09-23): SitusAMC received rebuttal that the $145 AMC fee was included in the total appraisal fee of $645. However, this exception is not a fee tolerance violation but a violation in the calculation of the Finance charges which did not include the Appraisal Management fee of $145. The AMC portion could be either – finance charge or non-finance charge. It would depend on what the AMC fee purpose/service is. Is the AMC fee for purposes of selecting an appraiser and coordinating receipt of appraisal or for reviewing, confirming data, and verifying the appraisal report? This is the information we are seeking to determine whether the AMC fee is excludable. Provide lender attestation as to the services included in the fee. Otherwise, if a lump sum charged for several services includes charges that are not excludable, a portion of the total should be allocated to those services and included in the finance charge. If the AMC's fee is primarily for verifying or confirming information connected to the appraisal, please provide an attestation indicating such, otherwise, if a creditor is uncertain about what portion of a fee to be paid at consummation or loan closing is related to a 4c7 excludable service, the entire fee may be treated as a finance charge.Final Rule excerpt provided addresses whether the appraisal and AMC fee should be disclosed separately or as one charge, it does not address consideration of the AMC fee as a finance charge or non-finance charge. Finance Charge determination is based on 1026.4 and SitusAMC agrees that if the AMC fee charged is primarily for verifying or confirming information connected to the appraisal, the AMC portion would also be excluded from finance charges per Commentary under1026.4(c)(7)-1. If the AMC charge is primarily for verifying or confirming information connected to the appraisal, please provide LOE from AMC provider or signed lender attestation indicating such for documentation in file to support exclusion from finance charges. Otherwise would need to cure with Corrected CD, LOE to borrower, copy of cure refund of $59.86 for total underdisclosure, proof of mailing and proof of reopening of rescision to all consumers. | 09/24/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | B | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 847991 | xxxxxx | 34518588 | xxxxxx | 09/22/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $1,336,752.26 is under disclosed by $59.86 compared to the calculated Finance Charge of $1,336,812.12 which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xxxxxx). (Final xxxxxx) | Appraisal invoice provided post review which reflects a $145 appraisal management fee. |  |  | Reviewer Comment (2025-09-24): SitusAMC received lender certification confirming AMC fee was primarily for confirming appraisal information & is 4c7 services to exclude from finance charge<br>Reviewer Comment (2025-09-23): SitusAMC received rebuttal that the $145 AMC fee was included in the total appraisal fee of $645. However, this exception is not a fee tolerance violation but a violation in the calculation of the Finance charges which did not include the Appraisal Management fee of $145. The AMC portion could be either – finance charge or non-finance charge. It would depend on what the AMC fee purpose/service is. Is the AMC fee for purposes of selecting an appraiser and coordinating receipt of appraisal or for reviewing, confirming data, and verifying the appraisal report? This is the information we are seeking to determine whether the AMC fee is excludable. Provide lender attestation as to the services included in the fee. Otherwise, if a lump sum charged for several services includes charges that are not excludable, a portion of the total should be allocated to those services and included in the finance charge. If the AMC's fee is primarily for verifying or confirming information connected to the appraisal, please provide an attestation indicating such, otherwise, if a creditor is uncertain about what portion of a fee to be paid at consummation or loan closing is related to a 4c7 excludable service, the entire fee may be treated as a finance charge.Final Rule excerpt provided addresses whether the appraisal and AMC fee should be disclosed separately or as one charge, it does not address consideration of the AMC fee as a finance charge or non-finance charge. Finance Charge determination is based on 1026.4 and SitusAMC agrees that if the AMC fee charged is primarily for verifying or confirming information connected to the appraisal, the AMC portion would also be excluded from finance charges per Commentary under1026.4(c)(7)-1. If the AMC charge is primarily for verifying or confirming information connected to the appraisal, please provide LOE from AMC provider or signed lender attestation indicating such for documentation in file to support exclusion from finance charges. Otherwise would need to cure with Corrected CD, LOE to borrower, copy of cure refund of $59.86 for total underdisclosure, proof of mailing and proof of reopening of rescision to all consumers. | 09/24/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | B | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 847999 | xxxxxx | 34486448 | xxxxxx | 09/17/2025 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | The updated HO6 in file does not have the correct current lender. |  |  | Reviewer Comment (2025-09-19): Updated HO6 provided<br>Reviewer Comment (2025-09-18): The condition cannot be waived. This is the old policy that expires in 1 day. The updated policy has the old lender listed and must be corrected. | 09/19/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 848001 | xxxxxx | 34476249 | xxxxxx | 09/18/2025 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: xxxxxx CPA Letter | CPA letter is more than 120 days old. Provide updated CPA letter. (Note: VVOE does not cure this issue). | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | Reviewer Comment (2025-09-24): Client elects to waive with verified compensation factors |  |  | 09/24/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | C B | A | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 848017 | xxxxxx | 34631078 | xxxxxx | 10/03/2025 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The post close CD reflects two additional personal loan payoffs that were not on the Final CD. Provide the final stamped closing statement to verify these were paid through closing. |  |  | Reviewer Comment (2025-10-06): Final stamped settlement statement provided with additional debt paid through closing. | 10/06/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 848147 | xxxxxx | 34592229 | xxxxxx | 10/02/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  | Reviewer Comment (2025-10-06): Client elects to waive. Loan is HPML Compliant |  |  | 10/06/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Purchase | B A | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 848180 | xxxxxx | 34489507 | xxxxxx | 09/19/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-1,350.00 exceeds tolerance of $-5,400.00. Insufficient or no cure was provided to the borrower. (9300) | Lender Credit decreased without a valid change in circumstance. Cure was not provided at closing. COC states changed from limited cash out to cash out, however per initial LE provided, loan started out as a C/O loan. |  |  | Reviewer Comment (2025-09-26): SitusAMC received COC dated xxxxxx and rebuttal comment suffice.<br>Reviewer Comment (2025-09-23): SitusAMC: The COC that was provided in the trailing images was also provided in the original loan package. but it does not give sufficient information on why the Lender credit was decreased. In order to determine if the changed circumstance is valid more information is necessary on reason for the pricing chnaged and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. | 09/26/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 848180 | xxxxxx | 34508265 | xxxxxx | 09/19/2025 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or xxxxxx) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  |  | Reviewer Comment (2025-09-19): Client elects to waive |  |  | 09/19/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | C | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 848229 | xxxxxx | 34495857 | xxxxxx | 09/23/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Report - Gap not provided |  | A gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 30- days prior to loan closing or any time after closing. |  |  | Reviewer Comment (2025-09-25): Received Credit Report - Gap. Exception cleared. | 09/25/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 848229 | xxxxxx | 34495955 | xxxxxx | 09/23/2025 | Compliance | Compliance | State Compliance | State HPML | xxxxxx Subprime Home Loan Threshold Fixed Non-Compliant | xxxxxx Subprime Loan: APR on subject loan of 9.05310% or Final Disclosure APR of 9.10700% is in excess of allowable threshold of Prime Mortgage Market Rate 6.77000 + 1.75%, or 8.52000%. Non-Compliant SubPrime Loan. |  |  |  | Reviewer Comment (2025-09-22): Client elects to waive |  |  | 09/22/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | (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. | B | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 848229 | xxxxxx | 34495959 | xxxxxx | 09/23/2025 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) xxxxxx Subprime Loan (Counseling Disclosure Not Provided at Application but within Three Days) | xxxxxx Subprime Loan: Counseling Disclosure not provided to borrower at the time of application, but within three days of application. | The Counseling Disclosure not provided to borrower at the time of application, but within three days of application. |  |  | Reviewer Comment (2025-09-22): Client elects to waive |  |  | 09/22/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | No obvious cure C B A | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 848229 | xxxxxx | 34521124 | xxxxxx | 09/23/2025 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) xxxxxx Subprime Loan (Subprime Legend Not on Mortgage) | xxxxxx Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. |  |  |  | Reviewer Comment (2025-09-22): Client elects to waive |  |  | 09/22/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | B | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 848303 | xxxxxx | 34489737 | xxxxxx | 09/22/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | All parties to the transaction were not included in Fraud/OFAC search. The Property Seller, xxxxxx, and the settlement agent, xxxxxx. |  |  | Reviewer Comment (2025-09-29): Received HUD/LDP/GSA/OFAC search for seller and settlement agent. Exception cleared. | 09/29/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 848303 | xxxxxx | 34489763 | xxxxxx | 09/22/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (1st Lien, Escrow Not Established) | Federal Higher-Priced Mortgage Loan (2013): HOA blanket policy does not include walls-in coverage and guideline required HO-6 not escrowed on a 1st lien mortgage loan. | Only flood insurance was escrowed. HPML loans do not allow a waiver of escrows. |  |  | Reviewer Comment (2025-09-29): Rate lock date and locked rate provided. Re-tested. Loan is no longer HPML. Condition no longer applies. | 09/29/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | If escrow was established before consummation for one impound item but not the other (e.g. taxes but not insurance), cure available by escrowing item that was not previously included. Proof of new escrow setup required.<br> If no escrow account was established at or before consummation, no cure available. C A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 848303 | xxxxxx | 34489764 | xxxxxx | 09/22/2025 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.13405% or Final Disclosure APR of 8.17400% is equal to or greater than the threshold of APOR 6.63% + 1.5%, or 8.13000%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  | Reviewer Comment (2025-09-29): Rate lock date and locked rate provided. Re-tested. Loan is no longer HPML. Condition no longer applies | 09/29/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 848303 | xxxxxx | 34489765 | xxxxxx | 09/22/2025 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  | Reviewer Comment (2025-09-29): Rate lock provided | 09/29/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 848303 | xxxxxx | 34489766 | xxxxxx | 09/22/2025 | Compliance | Compliance | State Compliance | State HPML | (State HPML) xxxxxx Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold) | xxxxxx Higher-Priced Loan: APR on subject loan of 8.13405% or Final Disclosure APR of 8.17400% is equal to or greater than the threshold of APOR 6.63% + 1.5%, or 8.13000%. Compliant Higher Priced Loan. |  |  |  | Reviewer Comment (2025-09-29): Rate lock date and locked rate provided. Re-tested. Loan is no longer HPML. Condition no longer applies | 09/29/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Purchase | The cure available on a CA HPML loan is dependent upon which prohibited practice is violated. For any loan with an HPML prepayment penalty violation, the loan CANNOT be cured. For any loan without an HPML prepayment penalty violation, the loan can be cured as follows:<br>Within 90 days of closing: (1) notify borrower; (2) at borrower's option: offer to make the loan compliant with HPML provisions or change terms in a manner beneficial to the borrower so the loan is no longer HPML; and (3) take appropriate action based on borrower's choice.<br>(Limited Use Bona Fide Errors - Compliance and Client Approval Required) Within 120 days of discovery or receipt of complaint, 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) signed borrower choice letter to either (a) accept refund and make loan non-higher-priced loan or (b) keep loan as higher-priced and make loan compliant; (5) If option 4(a) is selected, copy of refund check and proof of mailing; (6) If option 4(b) is selected, proof of cure for each of the prohibited practice violations. Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 848303 | xxxxxx | 34520168 | xxxxxx | 09/22/2025 | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided |  | Gift letter reflects funds of $78,000, however wire in file is only for $67,000. Provide the updated gift letter. |  |  | Reviewer Comment (2025-10-01): Received updated Gift letter reflecting gift funds of amount 67,000.00. Exception cleared. | 10/01/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 848303 | xxxxxx | 34520220 | xxxxxx | 09/22/2025 | Credit | Missing Document | General | Missing Document | Missing Document: Desk Review not provided |  | xxxxxx CU score 2.6, xxxxxx CU 1.0. Due to conflicting information, a secondary valuation is required. |  |  | Reviewer Comment (2025-09-29): Received CDA. Exception cleared. | 09/29/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 848303 | xxxxxx | 34520260 | xxxxxx | 09/22/2025 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | Page 2 of the blanket policy is missing. |  |  | Reviewer Comment (2025-10-01): Received Page 2 of certificate of insurance for further coverage information for the blanket policy. Exception cleared.<br>Reviewer Comment (2025-09-29): Received HO-6 Policy, however the document requested is for page 2 of certificate of liability insurance (blanket) policy. Exception remains. | 10/01/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 848304 | xxxxxx | 34495883 | xxxxxx | 09/22/2025 | 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 xxxxxx , prior to three (3) business days from transaction date of xxxxxx . | The Final CD reflects a disbursement date prior to expiration of RTC. |  |  | Reviewer Comment (2025-10-01): Final stamped settlement statement and PC-CD provided with updated disbursement date. Rescission met.<br>Reviewer Comment (2025-09-29): A PC-CD is a lender generated document and alone does not clear this condition. If disbursement date on the Final CD is incorrect, provide the final stamped settlement statement from title to support. | 10/01/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 848304 | xxxxxx | 34495911 | xxxxxx | 09/22/2025 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  |  | Reviewer Comment (2025-09-24): Received Final Title Policy. Exception cleared. | 09/24/2025 |  |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 848304 | xxxxxx | 34495913 | xxxxxx | 09/22/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  | Reviewer Comment (2025-09-24): Received Final Title Policy. Exception cleared. | 09/24/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 848304 | xxxxxx | 34495979 | xxxxxx | 09/22/2025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: HOA Questionnaire not provided |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. |  | Reviewer Comment (2025-10-01): Client elects to waive with verified compensation factors<br>Reviewer Comment (2025-09-24): The exception is added for missing HOA Questionnaire; however, the document provided is xxxxxx Project Approval, which was already provided earlier. Provide HOA Questionnaire. Exception remains. |  |  | 10/01/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 848304 | xxxxxx | 34512819 | xxxxxx | 09/22/2025 | Credit | Guideline | Guideline Issue | Guideline | Escrow waiver not allowed per guidelines. |  | Borrower has FICO of 678 and the minimum required for escrow waiver is 680. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. |  | Reviewer Comment (2025-09-26): Client elects to waive with verified compensation factors |  |  | 09/26/2025 | 2 | C B | C B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 848464 | xxxxxx | 34594219 | xxxxxx | 10/02/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated xxxxxx was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial xxxxxx) |  |  |  | Reviewer Comment (2025-10-06): SItusAMC received consent stating the disclosures were sent through fulfillment. | 10/06/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C B A | C | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 848464 | xxxxxx | 34594249 | xxxxxx | 10/02/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Attorney's Fee (Closing Agent Only). Fee Amount of $150.00 exceeds tolerance of $0.00. $150.00 over legal limit. Insufficient or no cure was provided to the borrower. (7590) | Attorney's Fee was not on the Loan Estimate, but was disclosed as $150.00 on the Final Closing Disclosure. No valid COC was provided for this change. Cure of $150.00 was provided which is insufficient for $500.00 tolerance violation. |  |  | Reviewer Comment (2025-10-06): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. | 10/06/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 848464 | xxxxxx | 34594499 | xxxxxx | 10/02/2025 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Paid To party cannot be determined on the Closing Disclosure. For compliance testing purposes, Paid To of Lender will be considered in lieu of UTD. | Date Issued: xxxxxx Notary Fee | xxxxxx notary 2x fee paid to is not provided on the Final CD dated xxxxxx therefore updated as UTD. |  |  | Reviewer Comment (2025-10-01): Client elects to waive |  |  | 10/01/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 848464 | xxxxxx | 34611844 | xxxxxx | 10/02/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Notary Fee. Fee Amount of $350.00 exceeds tolerance of $0.00. $350.00 over legal limit. Insufficient or no cure was provided to the borrower. (81794) | xxxxxx Notary fee was not shown on the LE but the payee was not provided. Treating as paid to lender. No valid COC in file. Cure of $150.00 was provided which is insufficient for $500.00 tolerance violation. |  |  | Reviewer Comment (2025-10-07): SitusAMC received corrected PCCD and LOE.<br>Reviewer Comment (2025-10-06): SitusAMC received corrected Post CD. However, LOE to the borrower is missing from the file. | 10/07/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 848464 | xxxxxx | 34649471 | xxxxxx | 10/06/2025 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Attorney's Fee (Closing Agent Only). Fee Amount of $150.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (7590) |  |  |  | Reviewer Comment (2025-10-06): Sufficient Cure Provided At Closing |  | 10/06/2025 |  | 1 | A | A | xxxxxx | xxxxxx | Primary | Purchase | Final CD evidences Cure B A | C | B A | Non QM | Non QM | Yes | Mortgagor Focused |
| xxxxxx | 848574 | xxxxxx | 34522303 | xxxxxx | 09/12/2025 | Credit | Title | Document Error | Title | The Preliminary title policy is within xxxxxx and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  | Reviewer Comment (2025-09-19): Title Supplemental Report provided, exception cleared. | 09/19/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B A | B | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 848574 | xxxxxx | 34522306 | xxxxxx | 09/12/2025 | Compliance | Compliance | State Compliance | State Late Charge | xxxxxx Non Primary Residence Late Charge Grace Period Testing | xxxxxx Late Charge: Note grace period of 5 days is less than the state minimum of 10 days. |  |  |  | Reviewer Comment (2025-09-15): Cleared non- Material ECOA not being tested on Business purpose loans. | 09/15/2025 |  |  | 1 | B A | B A | xxxxxx | xxxxxx | Investment | Refinance - Cash-out - Other | B A | B | A | N/A | N/A | No | Mortgagor Focused |
| xxxxxx | 848846 | xxxxxx | 34599189 | xxxxxx | 10/03/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | All parties to the transaction were not included. The authorized signor for the seller, xxxxxx, is missing. |  |  | Reviewer Comment (2025-10-06): Received authorized signor for the seller, xxxxxx Exception cleared. | 10/06/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | Mortgagor Focused |
| xxxxxx | 848847 | xxxxxx | 34541119 | xxxxxx | 09/29/2025 | Compliance | TRID | Document Error | TRID | Closing Disclosure: Dates are not in chronological order. | Date Issued: xxxxxx Issue date: xxxxxx; Received date: xxxxxx; Signed date: xxxxxx | The final closing disclosure dated xxxxxx is signed by borrower on xxxxxx . |  |  | Reviewer Comment (2025-09-29): Client elects to waive |  |  | 09/29/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 848847 | xxxxxx | 34541293 | xxxxxx | 09/29/2025 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. |  |  |  | Reviewer Comment (2025-09-29): Client elects to waive |  |  | 09/29/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 848847 | xxxxxx | 34590075 | xxxxxx | 09/29/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | VOM is incomplete for subject property. Current mortgage balance, next pay date, no of later payments, signature of applicant not completed. |  |  | Reviewer Comment (2025-10-06): Received VOM. Exception cleared. | 10/06/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Refinance - Cash-out - Other | C B A | B | B A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 848853 | xxxxxx | 34522088 | xxxxxx | 09/28/2025 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Paid To party cannot be determined on the Closing Disclosure. For compliance testing purposes, Paid To of Lender will be considered in lieu of UTD. | Date Issued: xxxxxx B Other 1, B Other 2 | The Final CD and PC-CD does not reflect any Payee Name for HOI Certification Fee and HOA EOI Fee |  |  | Reviewer Comment (2025-09-25): Client elect to waive |  |  | 09/25/2025 | 2 | B | B | xxxxxx | xxxxxx | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | B | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |
| xxxxxx | 848858 | xxxxxx | 34531934 | xxxxxx | 09/28/2025 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Conflicting information on borrowers housing. 1003 reflects renting for $2,000 mo at xxxxxx. However, there is also a rent free LOE in file for the same property address. If borrower is living rent free, please provide a corrected 1003 to reflect living rent free. If borrower is renting, please provide the following: Rental history must be evidenced with Verification of Rent (VOR, which may be a private VOR) on a xxxxxx acceptable form. If lender or landlord is not an institution but a private party, 6 months cancelled checks or bank statements are required to support payment history. xxxxxx or other cash exchange apps are allowed if it evidences clear lender/landlord on statements |  |  | Reviewer Comment (2025-09-30): Received corrected 1003. Exception cleared. | 09/30/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 848858 | xxxxxx | 34531935 | xxxxxx | 09/28/2025 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | All parties to the transaction were not included. The Seller, xxxxxx is missing. |  |  | Reviewer Comment (2025-09-30): Received Fraud and OFAC search run for the Seller, xxxxxx. Exception cleared. | 09/30/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | C A | A | A | Non QM | Non QM | No | Mortgagor Focused |
| xxxxxx | 848872 | xxxxxx | 34614299 | xxxxxx | 10/03/2025 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-2,299.50 exceeds tolerance of $-2,310.00. Insufficient or no cure was provided to the borrower. (9300) | No valid COC or cure was provided. |  |  | Reviewer Comment (2025-10-07): SitusAMC received valid Changed circumstance. | 10/07/2025 |  |  | 1 | C A | C A | xxxxxx | xxxxxx | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | Mortgagor Focused |

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## Exhibit 99.4

**EXHIBIT 99.4**

**AMC Rating Agency Grades**

![](tm2529922d1_ex99-2img01.jpg)

**Rating Agency Grades**

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| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** |  |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Deal Number** | **Original Loan Amount** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Kroll** | **Moody's** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Moody's** | **Scope** |
| xxxxxx | 806745 | xxxxxx | xxxxxx | xxxxxx C | B | B | B | B | B | A | A | A C B | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 831118 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 833509 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 833728 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 833771 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 834780 | xxxxxx | xxxxxx | xxxxxx C D | A | A | A | A | A | A | A | A C D B | A | A | A | A | A | A B | Mortgagor Focused |
| xxxxxx | 836709 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | A | A | A C | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 837390 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A | A C B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 837418 | xxxxxx | xxxxxx | xxxxxx C D | C | C | C | C | C | A | A | A C D | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 838442 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 838465 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 838753 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | C | N/A C B | B | B | B | B | B A | N/A B | Mortgagor Focused |
| xxxxxx | 839520 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | A | A | N/A C B | B | B | B | B | B A | N/A B | Mortgagor Focused |
| xxxxxx | 839660 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 839732 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 839811 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 839853 | xxxxxx | xxxxxx | xxxxxx D | C | C | C | C | C | N/A | N/A | N/A D B | B | B | B | B | B A | N/A B | Mortgagor Focused |
| xxxxxx | 839868 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | A | A | N/A C | B | B | B | B | B A | N/A B | Mortgagor Focused |
| xxxxxx | 839890 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 840007 | xxxxxx | xxxxxx | xxxxxx D | N/A | N/A | N/A | N/A | N/A | A | A | A D | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 840009 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A | A C B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 840185 | xxxxxx | xxxxxx | xxxxxx B | C | C | C | C | C | A | A | A C B | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 840306 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A | A C B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 840339 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A | A C B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 840365 | xxxxxx | xxxxxx | xxxxxx D | N/A | N/A | N/A | N/A | N/A | A | A | A D | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 840383 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A | A C B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 840399 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 840406 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 840562 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 840580 | xxxxxx | xxxxxx | xxxxxx B | C | C | C | C | C | A | A | A C B | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 840653 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | A | A | A C B | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 840659 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | A | A | A C | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 840704 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | A | A | A C | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 840759 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 840760 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A | A C B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 840805 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 840844 | xxxxxx | xxxxxx | xxxxxx B | N/A | N/A | N/A | N/A | N/A | A | A | A B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 840882 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 840915 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 841009 | xxxxxx | xxxxxx | xxxxxx D | N/A | N/A | N/A | N/A | N/A | A | A | A D B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 841014 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 841089 | xxxxxx | xxxxxx | xxxxxx C D | B | B | B | B | B | A | A | A C D B | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 841147 | xxxxxx | xxxxxx | xxxxxx D | N/A | N/A | N/A | N/A | N/A | A | A | A D | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 841175 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 841227 | xxxxxx | xxxxxx | xxxxxx C D | C | C | C | C | C | A | A | N/A C D | B | B | B | B | B A | N/A B | Mortgagor Focused |
| xxxxxx | 841240 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | D | D | D A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 841241 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A | A C B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 841244 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | A | A | A C | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 841253 | xxxxxx | xxxxxx | xxxxxx D | N/A | N/A | N/A | N/A | N/A | A | A | A D B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 841267 | xxxxxx | xxxxxx | xxxxxx C D | B | B | B | B | B | A | A | A C D B | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 841273 | xxxxxx | xxxxxx | xxxxxx C D | C | C | C | C | C | A | A | N/A C D | B | B | B | B | B A | N/A B | Mortgagor Focused |
| xxxxxx | 841304 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 841349 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 841582 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A | A C B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 841594 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 841670 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A | A C B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 841755 | xxxxxx | xxxxxx | xxxxxx B | B | B | B | B | B | A | A | N/A B | B | B | B | B | B A | N/A B | Mortgagor Focused |
| xxxxxx | 841756 | xxxxxx | xxxxxx | xxxxxx D | N/A | N/A | N/A | N/A | N/A | A | A | A D | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 841769 | xxxxxx | xxxxxx | xxxxxx D | N/A | N/A | N/A | N/A | N/A | A | A | A D | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 841789 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 841790 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 841915 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | D | D | D A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 841995 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A | A C B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 842016 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A | A C B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 842057 | xxxxxx | xxxxxx | xxxxxx D | N/A | N/A | N/A | N/A | N/A | A | A | A D | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 842084 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 842102 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 842341 | xxxxxx | xxxxxx | xxxxxx D | N/A | N/A | N/A | N/A | N/A | D | D | D B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 842356 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 842382 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 842429 | xxxxxx | xxxxxx | xxxxxx C D | C | C | C | C | C | C | C | C D A | C | C | C | C | C A | A C | Mortgagor Focused |
| xxxxxx | 842456 | xxxxxx | xxxxxx | xxxxxx D | A | A | A | A | A | A | A | A D B | A | A | A | A | A | A B | Mortgagor Focused |
| xxxxxx | 842486 | xxxxxx | xxxxxx | xxxxxx A | C | C | C | C | D | A | A | A C D | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 842543 | xxxxxx | xxxxxx | xxxxxx D | N/A | N/A | N/A | N/A | N/A | A | A | A D | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 842547 | xxxxxx | xxxxxx | xxxxxx C D | A | A | A | A | A | A | A | A C D | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 842555 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 842564 | xxxxxx | xxxxxx | xxxxxx B | N/A | N/A | N/A | N/A | N/A | A | A | A B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 842569 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A | A C B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 842583 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 842598 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A | A | N/A C B | A | A | A | A | A | N/A B | Mortgagor Focused |
| xxxxxx | 842615 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 842619 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | C | C | C A | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 842628 | xxxxxx | xxxxxx | xxxxxx B | B | B | B | B | B | A | A | A B | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 842640 | xxxxxx | xxxxxx | xxxxxx D | N/A | N/A | N/A | N/A | N/A | A | A | A D | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 842660 | xxxxxx | xxxxxx | xxxxxx C D | N/A | N/A | N/A | N/A | N/A | A | A | A C D | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 842693 | xxxxxx | xxxxxx | xxxxxx B | A | A | A | A | A | A | A | A B | A | A | A | A | A | A B | Mortgagor Focused |
| xxxxxx | 842745 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 842754 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 842769 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | A | A | A C B | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 842789 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A | A | N/A C B | A | A | A | A | A | N/A B | Mortgagor Focused |
| xxxxxx | 842880 | xxxxxx | xxxxxx | xxxxxx B | N/A | N/A | N/A | N/A | N/A | A | A | A B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 842889 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 842936 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 842938 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | A | A | A C | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 842963 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 842993 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 843016 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A | A C B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 843119 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A | A C B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 843136 | xxxxxx | xxxxxx | xxxxxx D | N/A | N/A | N/A | N/A | N/A | A | A | A D | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 843153 | xxxxxx | xxxxxx | xxxxxx A | C | C | C | C | C | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 843155 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 843173 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A | A C B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 843185 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 843194 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 843205 | xxxxxx | xxxxxx | xxxxxx B | N/A | N/A | N/A | N/A | N/A | A | A | A B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 843207 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 843208 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 843209 | xxxxxx | xxxxxx | xxxxxx B | N/A | N/A | N/A | N/A | N/A | A | A | A B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 843210 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 843212 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 843213 | xxxxxx | xxxxxx | xxxxxx D | N/A | N/A | N/A | N/A | N/A | A | A | A D B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 843218 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | D | D | D A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 843223 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 843225 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 843229 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 843233 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A | A C B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 843236 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 843237 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 843242 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A | A C B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 843243 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 843244 | xxxxxx | xxxxxx | xxxxxx B | N/A | N/A | N/A | N/A | N/A | A | A | A B | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 843246 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 843249 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 843252 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 843253 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 843254 | xxxxxx | xxxxxx | xxxxxx D | N/A | N/A | N/A | N/A | N/A | A | A | A D | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 843255 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A | A C B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 843257 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 843262 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 843263 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 843264 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 843268 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 843273 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 843275 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 843276 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 843279 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 843280 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 843282 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 843284 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 843286 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 843287 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 843288 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 843289 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 843290 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 843291 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 843292 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 843296 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 843298 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 843299 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 843307 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 843309 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 843310 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 843312 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 843320 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 843327 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 843329 | xxxxxx | xxxxxx | xxxxxx D | N/A | N/A | N/A | N/A | N/A | A | A | A D | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 843331 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 843334 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 843337 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 843339 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 843340 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 843343 | xxxxxx | xxxxxx | xxxxxx C D | N/A | N/A | N/A | N/A | N/A | A | A | A C D | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 843353 | xxxxxx | xxxxxx | xxxxxx D | N/A | N/A | N/A | N/A | N/A | A | A | A D | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 843356 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 843357 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 843360 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A | A C B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 843363 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 843367 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 843368 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 843369 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A | A C B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 843371 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 843376 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 843377 | xxxxxx | xxxxxx | xxxxxx B | N/A | N/A | N/A | N/A | N/A | A | A | A B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 843382 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 843389 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 843392 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 843394 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 843395 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 843396 | xxxxxx | xxxxxx | xxxxxx D | N/A | N/A | N/A | N/A | N/A | A | A | A D | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 843398 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 843400 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 843402 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 843408 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 843426 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 843428 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 843438 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 843439 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 843444 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 843445 | xxxxxx | xxxxxx | xxxxxx A | C | C | C | C | C | A | A | A C | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 843459 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 843469 | xxxxxx | xxxxxx | xxxxxx C D | A | A | A | A | A | A | A | A C D | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 843505 | xxxxxx | xxxxxx | xxxxxx A | C | C | C | C | C | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 843513 | xxxxxx | xxxxxx | xxxxxx C D | A | A | A | A | A | A | A | A C D | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 843540 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 843542 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 843543 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 843560 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 843567 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 843572 | xxxxxx | xxxxxx | xxxxxx C | B | B | B | B | B | A | A | A C | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 843586 | xxxxxx | xxxxxx | xxxxxx C D | A | A | A | A | A | A | A | A C D | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 843597 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 843604 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 843634 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 843644 | xxxxxx | xxxxxx | xxxxxx C D | C | C | C | C | C | A | A | A C D | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 843664 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 843665 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 843672 | xxxxxx | xxxxxx | xxxxxx B | N/A | N/A | N/A | N/A | N/A | A | A | A B | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 843673 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 843674 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 843675 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A | A C B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 843676 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 843678 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 843687 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 843688 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 843691 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 843692 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A | A C B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 843693 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A | A C B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 843694 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A | A C B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 843702 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 843707 | xxxxxx | xxxxxx | xxxxxx B | N/A | N/A | N/A | N/A | N/A | A | A | A B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 843710 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 843712 | xxxxxx | xxxxxx | xxxxxx B | N/A | N/A | N/A | N/A | N/A | A | A | A B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 843713 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 843721 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 843723 | xxxxxx | xxxxxx | xxxxxx B | N/A | N/A | N/A | N/A | N/A | A | A | A B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 843727 | xxxxxx | xxxxxx | xxxxxx D | C | C | C | C | C | D | D | D A | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 843739 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 843744 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 843749 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 843779 | xxxxxx | xxxxxx | xxxxxx D | N/A | N/A | N/A | N/A | N/A | A | A | A D B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 843785 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 843804 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | D | D | D A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 843829 | xxxxxx | xxxxxx | xxxxxx D | N/A | N/A | N/A | N/A | N/A | A D | A | A D | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 843886 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | A | A | A C B | A | A | A | A | A | A B | Mortgagor Focused |
| xxxxxx | 843893 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 843894 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 843906 | xxxxxx | xxxxxx | xxxxxx A | C | C | C | C | C | A | A | A C | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 843940 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A | A | A C B | A | A | A | A | A | A B | Mortgagor Focused |
| xxxxxx | 843960 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 843962 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | A | A | A C | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 843973 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 843993 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 844008 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A | A C B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 844034 | xxxxxx | xxxxxx | xxxxxx D | C | C | C | C | C | A | A | N/A B D | B | B | B | B | B A | N/A B | Mortgagor Focused |
| xxxxxx | 844044 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 844069 | xxxxxx | xxxxxx | xxxxxx D | N/A | N/A | N/A | N/A | N/A | A | A | A D | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 844079 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 844103 | xxxxxx | xxxxxx | xxxxxx C D | A | A | A | A | A | A | A | A C D | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 844112 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 844114 | xxxxxx | xxxxxx | xxxxxx C | B | B | B | B | B | A | A | A C | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 844121 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 844123 | xxxxxx | xxxxxx | xxxxxx B | C | C | C | C | C | A | A | N/A C B | B | B | B | B | B A | N/A B | Mortgagor Focused |
| xxxxxx | 844133 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 844169 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | A | A | A C B | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 844176 | xxxxxx | xxxxxx | xxxxxx D | A | A | A | A | A | A | A | A D B | A | A | A | A | A | A B | Mortgagor Focused |
| xxxxxx | 844193 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | A | A | A C B | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 844201 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 844213 | xxxxxx | xxxxxx | xxxxxx B | A | A | A | A | A | A | A | A B | A | A | A | A | A | A B | Mortgagor Focused |
| xxxxxx | 844222 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 844231 | xxxxxx | xxxxxx | xxxxxx C | B | B | B | B | B | A | A | A C B | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 844261 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 844267 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 844270 | xxxxxx | xxxxxx | xxxxxx D | A | A | A | A | A | A | A | A D | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 844285 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A | A C B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 844357 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 844370 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 844399 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 844418 | xxxxxx | xxxxxx | xxxxxx B | N/A | N/A | N/A | N/A | N/A | A | A | A B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 844441 | xxxxxx | xxxxxx | xxxxxx A | C | C | C | C | C | D | D | D A | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 844444 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | D | D | D A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 844453 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 844455 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 844458 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 844459 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 844461 | xxxxxx | xxxxxx | xxxxxx A | C | C | C | C | C | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 844462 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 844465 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 844467 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | D | D | D A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 844468 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 844469 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 844472 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 844473 | xxxxxx | xxxxxx | xxxxxx B | N/A | N/A | N/A | N/A | N/A | A | A | A B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 844474 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 844475 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 844477 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 844478 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 844479 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 844480 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 844487 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 844489 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A | A C B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 844490 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 844497 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 844498 | xxxxxx | xxxxxx | xxxxxx C | B | B | B | B | B | A | A | A C | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 844500 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 844509 | xxxxxx | xxxxxx | xxxxxx D | A | A | A | A | A | A | A | A D B | A | A | A | A | A | A B | Mortgagor Focused |
| xxxxxx | 844513 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 844516 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 844521 | xxxxxx | xxxxxx | xxxxxx A | C | C | C | C | C | A | A | N/A C | B | B | B | B | B A | N/A B | Mortgagor Focused |
| xxxxxx | 844527 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | D A | D | N/A D C B | B | B | B | B | B A | N/A B | Mortgagor Focused |
| xxxxxx | 844528 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 844530 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 844555 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A | A C B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 844580 | xxxxxx | xxxxxx | xxxxxx D | C | C | C | C | C | A | A | N/A D B | B | B | B | B | B A | N/A B | Mortgagor Focused |
| xxxxxx | 844586 | xxxxxx | xxxxxx | xxxxxx C | B | B | B | B | B | A | A | A C B | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 844605 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | N/A | N/A | N/A D C | A | A | A | A | A | N/A B | Mortgagor Focused |
| xxxxxx | 844607 | xxxxxx | xxxxxx | xxxxxx A | C | C | C | C | C | A | A | A C | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 844608 | xxxxxx | xxxxxx | xxxxxx C | B | B | B | B | B | A | A | A C B | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 844628 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A | A | A C B | A | A | A | A | A | A B | Mortgagor Focused |
| xxxxxx | 844650 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A | A C B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 844655 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 844659 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | A | A | A C B | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 844682 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 844689 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 844711 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 844763 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 844771 | xxxxxx | xxxxxx | xxxxxx B | N/A | N/A | N/A | N/A | N/A | A | A | A B | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 844812 | xxxxxx | xxxxxx | xxxxxx C D | C | C | C | C | C | N/A | N/A | N/A D C B | A | A | A | A | A | N/A B | Mortgagor Focused |
| xxxxxx | 844837 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | A | A | A C | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 844841 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | A | A | A C B | A | A | A | A | A | A B | Mortgagor Focused |
| xxxxxx | 844846 | xxxxxx | xxxxxx | xxxxxx D | N/A | N/A | N/A | N/A | N/A | A | A | A D | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 844871 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 844877 | xxxxxx | xxxxxx | xxxxxx C D | C | C | C | C | C | A | A | A C D | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 844889 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | A | A | A C B | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 844911 | xxxxxx | xxxxxx | xxxxxx B | A | A | A | A | A | A | A | N/A B | A | A | A | A | A | N/A B | Mortgagor Focused |
| xxxxxx | 844912 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | A | A | A C B | A | A | A | A | A | A B | Mortgagor Focused |
| xxxxxx | 844916 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 844931 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | D | D | D B | A | A | A | A | A | A B | Mortgagor Focused |
| xxxxxx | 844944 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 844968 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | A | A | A C B | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 845015 | xxxxxx | xxxxxx | xxxxxx D | N/A | N/A | N/A | N/A | N/A | A | A | A D B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 845102 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 845119 | xxxxxx | xxxxxx | xxxxxx D | N/A | N/A | N/A | N/A | N/A | A | A | A D B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 845139 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 845141 | xxxxxx | xxxxxx | xxxxxx B | C | C | C | C | C | A | A | N/A C B | A | A | A | A | A | N/A B | Mortgagor Focused |
| xxxxxx | 845147 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | N/A | N/A | N/A D C B | B | B | B | B | B A | N/A B | Mortgagor Focused |
| xxxxxx | 845149 | xxxxxx | xxxxxx | xxxxxx D | A | A | A | A | A | A | A | A D | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 845160 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 845186 | xxxxxx | xxxxxx | xxxxxx C D | A | A | A | A | A | A | A | A C D | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 845191 | xxxxxx | xxxxxx | xxxxxx A | C | C | C | C | C | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 845198 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 845200 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 845232 | xxxxxx | xxxxxx | xxxxxx D | C | C | C | C | C | A | A | N/A D B | A | A | A | A | A | N/A B | Mortgagor Focused |
| xxxxxx | 845241 | xxxxxx | xxxxxx | xxxxxx A | C | C | C | C | C | A | A | A C | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 845248 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 845259 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 845260 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 845275 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 845278 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 845286 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 845290 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 845297 | xxxxxx | xxxxxx | xxxxxx D | N/A | N/A | N/A | N/A | N/A | A | A | A D B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 845380 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 845381 | xxxxxx | xxxxxx | xxxxxx C | B | B | B | B | B | A | A | A C B | A | A | A | A | A | A B | Mortgagor Focused |
| xxxxxx | 845400 | xxxxxx | xxxxxx | xxxxxx B | C | C | C | C | C | A | A | N/A C B | B | B | B | B | B A | N/A B | Mortgagor Focused |
| xxxxxx | 845409 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 845417 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 845431 | xxxxxx | xxxxxx | xxxxxx D | B | B | B | B | B | A | A | A D | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 845433 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | N/A | A | A | A | A | A | N/A | Mortgagor Focused |
| xxxxxx | 845450 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | A | A | A C B | A | A | A | A | A | A B | Mortgagor Focused |
| xxxxxx | 845459 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A | A | A C B | A | A | A | A | A | A B | Mortgagor Focused |
| xxxxxx | 845490 | xxxxxx | xxxxxx | xxxxxx B | A | A | A | A | A | A | A | A B | A | A | A | A | A | A B | Mortgagor Focused |
| xxxxxx | 845505 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 845512 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | A | A | N/A C | B | B | B | B | B A | N/A B | Mortgagor Focused |
| xxxxxx | 845517 | xxxxxx | xxxxxx | xxxxxx A | B | B | B | B | B | A | A | A B | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 845529 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 845546 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 845588 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | A | A | A C | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 845590 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 845591 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 845605 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 845709 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 845712 | xxxxxx | xxxxxx | xxxxxx D | A | A | A | A | A | A | A | A D | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 845723 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A | A | A C B | A | A | A | A | A | A B | Mortgagor Focused |
| xxxxxx | 845736 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 845739 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 845786 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 845788 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A | A C B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 845802 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 845854 | xxxxxx | xxxxxx | xxxxxx B | C | C | C | C | C | A | A | N/A C B | A | A | A | A | A | N/A B | Mortgagor Focused |
| xxxxxx | 845863 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 845876 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | A | A | A C B | A | A | A | A | A | A B | Mortgagor Focused |
| xxxxxx | 845954 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 846000 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | A | A | A C | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 846019 | xxxxxx | xxxxxx | xxxxxx D | A | A | A | A | A | A | A | A D B | A | A | A | A | A | A B | Mortgagor Focused |
| xxxxxx | 846020 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | A | A | A C | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 846030 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 846031 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A | A C B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 846033 | xxxxxx | xxxxxx | xxxxxx C D | N/A | N/A | N/A | N/A | N/A | A | A | A C D B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 846034 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 846035 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A | A C B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 846039 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 846042 | xxxxxx | xxxxxx | xxxxxx C | B | B | B | B | B | D | D | D B | A | A | A | A | A | A B | Mortgagor Focused |
| xxxxxx | 846047 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 846049 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A | A | A C B | A | A | A | A | A | A B | Mortgagor Focused |
| xxxxxx | 846053 | xxxxxx | xxxxxx | xxxxxx A | C | C | C | C | C | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 846154 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 846157 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 846168 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 846197 | xxxxxx | xxxxxx | xxxxxx B | B | B | B | B | B | A | A | A B | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 846198 | xxxxxx | xxxxxx | xxxxxx D | A | A | A | A | A | D | D | D A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 846207 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | A | A | A C B | A | A | A | A | A | A B | Mortgagor Focused |
| xxxxxx | 846220 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 846221 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 846222 | xxxxxx | xxxxxx | xxxxxx C | B | B | B | B | B | A | A | A C | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 846223 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 846227 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 846229 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 846232 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 846293 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | A | A | A C | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 846311 | xxxxxx | xxxxxx | xxxxxx A | C | C | C | C | C | A | A | A C | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 846312 | xxxxxx | xxxxxx | xxxxxx A | C | C | C | C | C | A | A | A C | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 846325 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 846381 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | A | A | A C | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 846416 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 846428 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 846437 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 846448 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 846478 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 846482 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 846491 | xxxxxx | xxxxxx | xxxxxx B | C | C | C | C | C | A | A | A C B | A | A | A | A | A | A B | Mortgagor Focused |
| xxxxxx | 846498 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A | A | A C B | A | A | A | A | A | A B | Mortgagor Focused |
| xxxxxx | 846513 | xxxxxx | xxxxxx | xxxxxx A | C | C | C | C | C | A | A | A C | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 846519 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 846522 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 846536 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 846555 | xxxxxx | xxxxxx | xxxxxx D | C | C | C | C | C | C | C | C D A | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 846674 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 846728 | xxxxxx | xxxxxx | xxxxxx C D | A | A | A | A | A | A | A | A C D | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 846729 | xxxxxx | xxxxxx | xxxxxx C D | A | A | A | A | A | A | A | A C D B | A | A | A | A | A | A B | Mortgagor Focused |
| xxxxxx | 846732 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A | A | A C B | A | A | A | A | A | A B | Mortgagor Focused |
| xxxxxx | 846740 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 846749 | xxxxxx | xxxxxx | xxxxxx D | A | A | A | A | A | A | A | A D | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 846762 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 846794 | xxxxxx | xxxxxx | xxxxxx C D | B | B | B | B | B | A | A | A C D | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 846802 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 846816 | xxxxxx | xxxxxx | xxxxxx C D | A | A | A | A | A | A | A | A C D | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 846818 | xxxxxx | xxxxxx | xxxxxx C | B | B | B | B | B | A | A | A C | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 846820 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 846821 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 846825 | xxxxxx | xxxxxx | xxxxxx A | C | C | C | C | C | A | A | A C | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 846827 | xxxxxx | xxxxxx | xxxxxx C | B | B | B | B | B | A | A | A C | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 846836 | xxxxxx | xxxxxx | xxxxxx C | B | B | B | B | B | A | A | A C | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 846841 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 846842 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 846843 | xxxxxx | xxxxxx | xxxxxx C D | A | A | A | A | A | A | A | A C D B | A | A | A | A | A | A B | Mortgagor Focused |
| xxxxxx | 846844 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 846845 | xxxxxx | xxxxxx | xxxxxx D | N/A | N/A | N/A | N/A | N/A | A | A | A D B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 846847 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 846858 | xxxxxx | xxxxxx | xxxxxx C D | A | A | A | A | A | A | A | A C D | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 846860 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 846862 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 846863 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 846866 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 846868 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 846869 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 846915 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 846921 | xxxxxx | xxxxxx | xxxxxx A | C | C | C | C | C | A | A | A C | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 846927 | xxxxxx | xxxxxx | xxxxxx A | C | C | C | C | C | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 846935 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A | A | A C B | A | A | A | A | A | A B | Mortgagor Focused |
| xxxxxx | 846966 | xxxxxx | xxxxxx | xxxxxx A | C | C | C | C | C | A | A | A C | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 846975 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | A | A | A C | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 846982 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 846990 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 847004 | xxxxxx | xxxxxx | xxxxxx C | B | B | B | B | B | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 847081 | xxxxxx | xxxxxx | xxxxxx C D | A | A | A | A | A | A | A | A C D | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 847091 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 847093 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 847113 | xxxxxx | xxxxxx | xxxxxx C | B | B | B | B | B | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 847114 | xxxxxx | xxxxxx | xxxxxx B | N/A | N/A | N/A | N/A | N/A | A | A | A B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 847117 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 847155 | xxxxxx | xxxxxx | xxxxxx A | C | C | C | C | C | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 847180 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 847194 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | D | A | A | A C D | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 847204 | xxxxxx | xxxxxx | xxxxxx D | C | C | C | C | C | A | A | N/A D | B | B | B | B | B A | N/A B | Mortgagor Focused |
| xxxxxx | 847205 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 847234 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 847235 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 847238 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 847244 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A | A C | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 847250 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 847262 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 847269 | xxxxxx | xxxxxx | xxxxxx A | C | C | C | C | C | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 847278 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 847322 | xxxxxx | xxxxxx | xxxxxx C D | A | A | A | A | A | A | A | A C D | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 847368 | xxxxxx | xxxxxx | xxxxxx A | B | B | B | B | B | A | A | A B | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 847377 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 847380 | xxxxxx | xxxxxx | xxxxxx A | B | B | B | B | B | A | A | A B | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 847386 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 847392 | xxxxxx | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | A | A | A | N/A | N/A | N/A | N/A | N/A | A | Property Focused |
| xxxxxx | 847394 | xxxxxx | xxxxxx | xxxxxx C | B | B | B | B | B | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 847401 | xxxxxx | xxxxxx | xxxxxx D | C | C | C | C | C | D A | D | N/A D B | B | B | B | B | B A | N/A B | Mortgagor Focused |
| xxxxxx | 847444 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 847448 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 847452 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 847457 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 847459 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 847776 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 847778 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | A | A | A C B | A | A | A | A | A | A B | Mortgagor Focused |
| xxxxxx | 847779 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 847789 | xxxxxx | xxxxxx | xxxxxx C | B | B | B | B | B | A | A | A C | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 847812 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 847820 | xxxxxx | xxxxxx | xxxxxx A | B | B | B | B | B | A | A | A B | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 847824 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 847828 | xxxxxx | xxxxxx | xxxxxx A | C | C | C | C | C | A | A | A C | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 847831 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 847832 | xxxxxx | xxxxxx | xxxxxx C | B | B | B | B | B | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 847835 | xxxxxx | xxxxxx | xxxxxx A | B | B | B | B | B | A | A | A B | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 847836 | xxxxxx | xxxxxx | xxxxxx C | B | B | B | B | B | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 847873 | xxxxxx | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A | A | A | A C B | N/A | N/A | N/A | N/A | N/A | A B | Property Focused |
| xxxxxx | 847897 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | A | A | A C B | A | A | A | A | A | A B | Mortgagor Focused |
| xxxxxx | 847965 | xxxxxx | xxxxxx | xxxxxx A | B | B | B | B | B | A | A | A B | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 847967 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 847970 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 847971 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 847972 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 847978 | xxxxxx | xxxxxx | xxxxxx D | A | A | A | A | A | A | A | A D | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 847979 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | B | B | B C A | A | A | A | A | A B | B | Mortgagor Focused |
| xxxxxx | 847984 | xxxxxx | xxxxxx | xxxxxx C | B | B | B | B | B | A | A | A C | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 847987 | xxxxxx | xxxxxx | xxxxxx A | B | B | B | B | B | A | A | A B | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 847991 | xxxxxx | xxxxxx | xxxxxx C | B | B | B | B | B | A | A | A C | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 847999 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 848000 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 848001 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A | A | A C B | A | A | A | A | A | A B | Mortgagor Focused |
| xxxxxx | 848017 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 848147 | xxxxxx | xxxxxx | xxxxxx A | B | B | B | B | B | A | A | A B | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 848180 | xxxxxx | xxxxxx | xxxxxx A | C | C | C | C | C | A | A | A C | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 848181 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 848229 | xxxxxx | xxxxxx | xxxxxx C | B | B | B | B | B | A | A | A C | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 848303 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 848304 | xxxxxx | xxxxxx | xxxxxx C | C | C | C | C | C | A | A | A C B | A | A | A | A | A | A B | Mortgagor Focused |
| xxxxxx | 848464 | xxxxxx | xxxxxx | xxxxxx A | C | C | C | C | C | A | A | A C | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 848574 | xxxxxx | xxxxxx | xxxxxx B | B | B | B | B | B | A | A | A B | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 848578 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 848581 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 848584 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 848842 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 848846 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 848847 | xxxxxx | xxxxxx | xxxxxx C | B | B | B | B | B | A | A | A C | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 848849 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 848853 | xxxxxx | xxxxxx | xxxxxx A | B | B | B | B | B | A | A | A B | B | B | B | B | B A | A B | Mortgagor Focused |
| xxxxxx | 848857 | xxxxxx | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 848858 | xxxxxx | xxxxxx | xxxxxx C | A | A | A | A | A | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |
| xxxxxx | 848872 | xxxxxx | xxxxxx | xxxxxx A | C | C | C | C | C | A | A | A C | A | A | A | A | A | A | Mortgagor Focused |

---

## Exhibit 99.5

**EXHIBIT 99.5**

**AMC QM-ATR Diligence Report**

![](tm2529922d1_ex99-2img01.jpg)

**QM-ATR Diligence Report**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Borrower Name** | **Originator QM Designation** | **Originator Re Stated QM Designation** | **Due Diligence QM Designation** | **Application Date** |
| xxxxxx | 806745 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 831118 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 833509 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 833728 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 833771 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 834780 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 836709 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 837390 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 837418 | xxxxxx | xxxxxx | Higher Priced QM (APOR) |  | Higher Priced QM (APOR) | xxxxxx |
| xxxxxx | 838442 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 838465 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 838753 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 839520 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 839660 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 839732 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 839811 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 839853 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 839868 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 839890 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 840007 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 840009 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 840185 | xxxxxx | xxxxxx | Higher Priced QM (APOR) |  | Higher Priced QM (APOR) | xxxxxx |
| xxxxxx | 840306 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 840339 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 840365 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 840383 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 840399 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 840406 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 840562 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 840580 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 840653 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 840659 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 840704 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 840759 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 840760 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 840805 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 840844 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 840882 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 840915 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 841009 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 841014 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 841089 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 841147 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 841175 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 841227 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 841240 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 841241 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 841244 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 841253 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 841267 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 841273 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 841304 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 841349 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 841582 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 841594 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 841670 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 841755 | xxxxxx | xxxxxx | N/A |  | Non QM | xxxxxx |
| xxxxxx | 841756 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 841769 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 841789 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 841790 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 841915 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 841995 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 842016 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 842057 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 842084 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 842102 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 842341 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 842356 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 842382 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 842429 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 842456 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 842486 | xxxxxx | xxxxxx | Higher Priced QM (APOR) |  | Higher Priced QM (APOR) | xxxxxx |
| xxxxxx | 842543 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 842547 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 842555 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 842564 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 842569 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 842583 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 842598 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 842615 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 842619 | xxxxxx | xxxxxx | Higher Priced QM (APOR) |  | Higher Priced QM (APOR) | xxxxxx |
| xxxxxx | 842628 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 842640 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 842660 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 842693 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 842745 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 842754 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 842769 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 842789 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 842880 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 842889 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 842936 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 842938 | xxxxxx | xxxxxx | Higher Priced QM (APOR) |  | Higher Priced QM (APOR) | xxxxxx |
| xxxxxx | 842963 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 842993 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843016 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843119 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843136 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843153 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 843155 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843173 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843185 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843194 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843205 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843207 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843208 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843209 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843210 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843212 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843213 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843218 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843223 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843225 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843229 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843233 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843236 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843237 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843242 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843243 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843244 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843246 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843249 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843252 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843253 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843254 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843255 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843257 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843262 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843263 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843264 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843268 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843273 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843275 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843276 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843279 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843280 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843282 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843284 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843286 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843287 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843288 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843289 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843290 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843291 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843292 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843296 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843298 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843299 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843307 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843309 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843310 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843312 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843320 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843327 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843329 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843331 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843334 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843337 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843339 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843340 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843343 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843353 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843356 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843357 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843360 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843363 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843367 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843368 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843369 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843371 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843376 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843377 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843382 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843389 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843392 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843394 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843395 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843396 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843398 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843400 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843402 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843408 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843426 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843428 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843438 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843439 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843444 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843445 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 843459 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 843469 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843505 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 843513 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843540 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843542 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843543 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843560 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843567 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843572 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843586 | xxxxxx | xxxxxx | Higher Priced QM (APOR) |  | Higher Priced QM (APOR) | xxxxxx |
| xxxxxx | 843597 | xxxxxx | xxxxxx | Higher Priced QM (APOR) |  | Higher Priced QM (APOR) | xxxxxx |
| xxxxxx | 843604 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843634 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843644 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 843664 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843665 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843672 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843673 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843674 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843675 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843676 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843678 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843687 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843688 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843691 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843692 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843693 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843694 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843702 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843707 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843710 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843712 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843713 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843721 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843723 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843727 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 843739 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843744 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843749 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843779 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843785 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843804 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843829 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843886 | xxxxxx | xxxxxx | Exempt from ATR |  | Exempt from ATR | xxxxxx |
| xxxxxx | 843893 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 843894 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 843906 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 843940 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843960 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 843962 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 843973 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 843993 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844008 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844034 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 844044 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844069 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844079 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844103 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844112 | xxxxxx | xxxxxx | Higher Priced QM (APOR) |  | Higher Priced QM (APOR) | xxxxxx |
| xxxxxx | 844114 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844121 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844123 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 844133 | xxxxxx | xxxxxx | N/A |  | Non QM | xxxxxx |
| xxxxxx | 844169 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 844176 | xxxxxx | xxxxxx | Higher Priced QM (APOR) |  | Higher Priced QM (APOR) | xxxxxx |
| xxxxxx | 844193 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 844201 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 844213 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844222 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844231 | xxxxxx | xxxxxx | Higher Priced QM (APOR) |  | Higher Priced QM (APOR) | xxxxxx |
| xxxxxx | 844261 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 844267 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844270 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 844285 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844357 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 844370 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844399 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844418 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844441 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 844444 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844453 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844455 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844458 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844459 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844461 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 844462 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844465 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844467 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844468 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844469 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844472 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844473 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844474 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844475 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844477 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844478 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844479 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844480 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844487 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844489 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844490 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844497 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844498 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844500 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844509 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844513 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844516 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 844521 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 844527 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 844528 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844530 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844555 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844580 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 844586 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 844605 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 844607 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 844608 | xxxxxx | xxxxxx | Higher Priced QM (APOR) |  | Higher Priced QM (APOR) | xxxxxx |
| xxxxxx | 844628 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 844650 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844655 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844659 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 844682 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 844689 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 844711 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844763 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 844771 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844812 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 844837 | xxxxxx | xxxxxx | Higher Priced QM (APOR) |  | Higher Priced QM (APOR) | xxxxxx |
| xxxxxx | 844841 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 844846 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844871 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844877 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 844889 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 844911 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 844912 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 844916 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844931 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 844944 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 844968 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 845015 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 845102 | xxxxxx | xxxxxx | Exempt from ATR |  | N/A | xxxxxx |
| xxxxxx | 845119 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 845139 | xxxxxx | xxxxxx | Higher Priced QM (APOR) |  | Higher Priced QM (APOR) | xxxxxx |
| xxxxxx | 845141 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 845147 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 845149 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 845160 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 845186 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 845191 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 845198 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 845200 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 845232 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 845241 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 845248 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 845259 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 845260 | xxxxxx | xxxxxx | Higher Priced QM (APOR) |  | Higher Priced QM (APOR) | xxxxxx |
| xxxxxx | 845275 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 845278 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 845286 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 845290 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 845297 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 845380 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 845381 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 845400 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 845409 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 845417 | xxxxxx | xxxxxx | Higher Priced QM (APOR) |  | Higher Priced QM (APOR) | xxxxxx |
| xxxxxx | 845431 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 845433 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 845450 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 845459 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 845490 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 845505 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 845512 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 845517 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 845529 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 845546 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 845588 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 845590 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 845591 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 845605 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 845709 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 845712 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 845723 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 845736 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 845739 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 845786 | xxxxxx | xxxxxx | N/A |  | Exempt from ATR | xxxxxx |
| xxxxxx | 845788 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 845802 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 845854 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 845863 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 845876 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 845954 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 846000 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 846019 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 846020 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 846030 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 846031 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 846033 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 846034 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 846035 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 846039 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 846042 | xxxxxx | xxxxxx | Exempt from ATR |  | N/A | xxxxxx |
| xxxxxx | 846047 | xxxxxx | xxxxxx | N/A |  | Exempt from ATR | xxxxxx |
| xxxxxx | 846049 | xxxxxx | xxxxxx | Exempt from ATR |  | N/A | xxxxxx |
| xxxxxx | 846053 | xxxxxx | xxxxxx | Exempt from ATR |  | Exempt from ATR | xxxxxx |
| xxxxxx | 846154 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 846157 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 846168 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 846197 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 846198 | xxxxxx | xxxxxx | N/A |  | Non QM | xxxxxx |
| xxxxxx | 846207 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 846220 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 846221 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 846222 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 846223 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 846227 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 846229 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 846232 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 846293 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 846311 | xxxxxx | xxxxxx | Higher Priced QM (APOR) |  | Higher Priced QM (APOR) | xxxxxx |
| xxxxxx | 846312 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 846325 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 846381 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 846416 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 846428 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 846437 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 846448 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 846478 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 846482 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 846491 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 846498 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 846513 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 846519 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 846522 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 846536 | xxxxxx | xxxxxx | Higher Priced QM (APOR) |  | Higher Priced QM (APOR) | xxxxxx |
| xxxxxx | 846555 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 846674 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 846728 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 846729 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 846732 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 846740 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 846749 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 846762 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 846794 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 846802 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 846816 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 846818 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 846820 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 846821 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 846825 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 846827 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 846836 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 846841 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 846842 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 846843 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 846844 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 846845 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 846847 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 846858 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 846860 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 846862 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 846863 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 846866 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 846868 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 846869 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 846915 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 846921 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 846927 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 846935 | xxxxxx | xxxxxx | Higher Priced QM (APOR) |  | Higher Priced QM (APOR) | xxxxxx |
| xxxxxx | 846966 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 846975 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 846982 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 846990 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 847004 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847081 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847091 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 847093 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 847113 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 847114 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847117 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847155 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 847180 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847194 | xxxxxx | xxxxxx | Higher Priced QM (APOR) |  | Higher Priced QM (APOR) | xxxxxx |
| xxxxxx | 847204 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 847205 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 847234 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847235 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847238 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847244 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847250 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847262 | xxxxxx | xxxxxx | Exempt from ATR |  | N/A | xxxxxx |
| xxxxxx | 847269 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 847278 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 847322 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847368 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 847377 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 847380 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 847386 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 847392 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847394 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847401 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 847444 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 847448 | xxxxxx | xxxxxx | Higher Priced QM (APOR) |  | Higher Priced QM (APOR) | xxxxxx |
| xxxxxx | 847452 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 847457 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 847459 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 847776 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 847778 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 847779 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 847789 | xxxxxx | xxxxxx | Higher Priced QM (APOR) |  | Higher Priced QM (APOR) | xxxxxx |
| xxxxxx | 847812 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 847820 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847824 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 847828 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 847831 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 847832 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847835 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847836 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 847873 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 847897 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 847965 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 847967 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 847970 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 847971 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 847972 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 847978 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 847979 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 847984 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 847987 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 847991 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 847999 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 848000 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 848001 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 848017 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 848147 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 848180 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 848181 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 848229 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 848303 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 848304 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 848464 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 848574 | xxxxxx | xxxxxx | N/A |  | N/A | xxxxxx |
| xxxxxx | 848578 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 848581 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 848584 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 848842 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 848846 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 848847 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 848849 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 848853 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 848857 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |
| xxxxxx | 848858 | xxxxxx | xxxxxx | Non QM |  | Non QM | xxxxxx |
| xxxxxx | 848872 | xxxxxx | xxxxxx | Safe Harbor QM (APOR) |  | Safe Harbor QM (APOR) | xxxxxx |

---

## Exhibit 99.6

**EXHIBIT 99.6**

**AMC Valuation report**

![](tm2529922d1_ex99-2img01.jpg)

**Valuation Report**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuation Type** | **Primary Valuation Company** | **Primary Valuation Appraiser Name** | **Primary Valuation Appraiser License Num** | **Primary Valuation FSD Score** | **Secondary Valuation Value** | **Secondary Valuation Variance Amount** | **Secondary Valuation Variance Percent** | **Secondary Valuation Report Date** | **Secondary Valuation Effective Date** | **Secondary Valuation Type** | **Secondary Valuation Company** | **Secondary Valuation FSD Score** | **Secondary Valuation Desk Review Risk Score** | **AVM Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Company** | **AVM FSD Score** | **AVM Report Date** | **Desk Review Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Report Date** | **Desk Review Effective Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** | **Scope** |
| xxxxxx | 806745 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 02/02/2024 | 02/01/2024 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 02/08/2024 | 02/01/2024 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 | Mortgagor Focused |
| xxxxxx | 831118 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/13/2025 | 03/04/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/20/2025 | 03/04/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 833509 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/25/2025 | 12/14/2024 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/24/2025 | 12/14/2024 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 833728 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/11/2025 | 03/27/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -8.370% | 04/10/2025 | 03/27/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Property Focused |
| xxxxxx | 833771 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/02/2025 | 03/30/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 8.840% | 07/31/2025 | 07/31/2025 | AVM | xxxxxx | 0.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 834780 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/10/2025 | 04/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | LCA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 |  | Mortgagor Focused |
| xxxxxx | 836709 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/11/2025 | 04/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.00 | Mortgagor Focused |
| xxxxxx | 837390 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 5.140% | xxxxxx | 08/13/2025 | 04/28/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 5.140% | 08/20/2025 | 04/28/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 | Property Focused |
| xxxxxx | 837418 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/08/2025 | 04/04/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/29/2025 | 04/04/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 | Mortgagor Focused |
| xxxxxx | 838442 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/12/2025 | 05/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/14/2025 | 05/08/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 2.30 | Property Focused |
| xxxxxx | 838465 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/17/2025 | 07/01/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.40 | Property Focused |
| xxxxxx | 838753 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/23/2025 | 05/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/17/2025 | 05/19/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.10 | Mortgagor Focused |
| xxxxxx | 839520 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/18/2025 | 06/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/23/2025 | 06/11/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Mortgagor Focused |
| xxxxxx | 839660 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/12/2025 | 05/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/28/2025 | 05/08/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 839732 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/11/2025 | 06/06/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/24/2025 | 06/06/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 2.50 | Property Focused |
| xxxxxx | 839811 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/11/2025 | 06/07/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 7.510% | 06/13/2025 | 06/07/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 | Mortgagor Focused |
| xxxxxx | 839853 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/26/2025 | 06/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 839868 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/29/2025 | 05/27/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 839890 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/25/2025 | 06/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | LCA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 |  | Property Focused |
| xxxxxx | 840007 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/11/2025 | 05/27/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/06/2025 | 05/27/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.30 | Property Focused |
| xxxxxx | 840009 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/23/2025 | 05/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/06/2025 | 05/12/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 3.10 | Property Focused |
| xxxxxx | 840185 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/21/2025 | 05/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/11/2025 | 05/09/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 4.30 | Mortgagor Focused |
| xxxxxx | 840306 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/10/2025 | 06/04/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/17/2025 | 06/04/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.50 | Property Focused |
| xxxxxx | 840339 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/29/2025 | 05/27/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/03/2025 | 05/27/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 840365 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/02/2025 | 04/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/27/2025 | 04/02/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Property Focused |
| xxxxxx | 840383 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/28/2025 | 04/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/30/2025 | 04/24/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 | Property Focused |
| xxxxxx | 840399 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/18/2025 | 05/29/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/23/2025 | 05/29/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 840406 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/25/2025 | 06/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/28/2025 | 06/18/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 4.30 | Property Focused |
| xxxxxx | 840562 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/12/2025 | 06/26/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 | Property Focused |
| xxxxxx | 840580 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/15/2025 | 05/30/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/14/2025 | 05/30/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 840653 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/17/2025 | 06/30/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | LCA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  | Mortgagor Focused |
| xxxxxx | 840659 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/18/2025 | 06/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 840704 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/25/2025 | 07/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 840759 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/23/2025 | 05/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 | Property Focused |
| xxxxxx | 840760 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/25/2025 | 05/27/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/09/2025 | 05/27/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Property Focused |
| xxxxxx | 840805 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/26/2025 | 06/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 840844 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/14/2025 | 07/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -6.210% | 08/21/2025 | 08/21/2025 | AVM | xxxxxx | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 | Property Focused |
| xxxxxx | 840882 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/05/2025 | 06/04/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/18/2025 | 06/04/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 840915 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/16/2025 | 06/26/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Property Focused |
| xxxxxx | 841009 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/10/2025 | 06/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/08/2025 | 06/03/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 | Property Focused |
| xxxxxx | 841014 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/05/2025 | 05/27/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Property Focused |
| xxxxxx | 841089 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/09/2025 | 07/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.70 | Mortgagor Focused |
| xxxxxx | 841147 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/11/2025 | 05/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/04/2025 | 05/22/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Property Focused |
| xxxxxx | 841175 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/20/2025 | 06/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/07/2025 | 06/05/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Property Focused |
| xxxxxx | 841227 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/14/2025 | 05/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/09/2025 | 05/12/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 5.00 | Mortgagor Focused |
| xxxxxx | 841240 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/16/2025 | 06/30/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/10/2025 | 06/30/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.60 | Property Focused |
| xxxxxx | 841241 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/12/2025 | 05/01/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/14/2025 | 05/01/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 841244 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/08/2025 | 07/31/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 3.270% | 07/02/2025 | 07/01/2025 | Appraisal | xxxxxx |  | Low |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx | Low | 08/05/2025 | 07/31/2025 | N/A |  |  | Mortgagor Focused |
| xxxxxx | 841253 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/23/2025 | 05/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -9.550% | 07/08/2025 | 05/13/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.00 | Property Focused |
| xxxxxx | 841267 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/02/2025 | 06/30/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.20 | Mortgagor Focused |
| xxxxxx | 841273 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/14/2025 | 07/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/29/2025 | 07/02/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 | Mortgagor Focused |
| xxxxxx | 841304 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/22/2025 | 07/21/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -10.130% | 06/10/2025 | 06/10/2025 | AVM | xxxxxx | 0.15 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 841349 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/11/2025 | 07/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 | Property Focused |
| xxxxxx | 841582 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/15/2025 | 07/01/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Property Focused |
| xxxxxx | 841594 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/26/2025 | 06/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.00 | Property Focused |
| xxxxxx | 841670 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/31/2025 | 07/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/05/2025 | 07/03/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Property Focused |
| xxxxxx | 841755 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/22/2025 | 07/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.60 | Mortgagor Focused |
| xxxxxx | 841756 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/24/2025 | 06/17/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.10 | Property Focused |
| xxxxxx | 841769 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/02/2025 | 05/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 2.850% | 07/02/2025 | 07/02/2025 | AVM | xxxxxx | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 841789 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/24/2025 | 05/29/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/31/2025 | 05/29/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 | Property Focused |
| xxxxxx | 841790 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/23/2025 | 07/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | LCA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 |  | Property Focused |
| xxxxxx | 841915 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/30/2025 | 06/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/29/2025 | 06/13/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 841995 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/30/2025 | 06/26/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 842016 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/24/2025 | 06/21/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/29/2025 | 06/21/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 842057 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/03/2025 | 05/29/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 | Property Focused |
| xxxxxx | 842084 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/28/2025 | 07/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/18/2025 | 07/08/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 3.40 | Property Focused |
| xxxxxx | 842102 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/16/2025 | 05/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 | Property Focused |
| xxxxxx | 842341 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/15/2025 | 06/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/27/2025 | 06/19/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.00 | Property Focused |
| xxxxxx | 842356 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/18/2025 | 06/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/25/2025 | 06/12/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 842382 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/05/2025 | 07/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/04/2025 | 07/10/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.50 | Property Focused |
| xxxxxx | 842429 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/25/2025 | 03/01/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 842456 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/15/2025 | 06/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/23/2025 | 06/23/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 842486 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/02/2025 | 07/15/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 842543 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/12/2025 | 06/30/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 842547 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/14/2025 | 08/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/14/2025 | 08/10/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 3.30 | Mortgagor Focused |
| xxxxxx | 842555 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/25/2025 | 07/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/22/2025 | 07/10/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 | Property Focused |
| xxxxxx | 842564 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/24/2025 | 07/01/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.30 | Property Focused |
| xxxxxx | 842569 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/14/2025 | 06/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/27/2025 | 06/23/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Property Focused |
| xxxxxx | 842583 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/24/2025 | 07/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 842598 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/11/2025 | 07/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 | Mortgagor Focused |
| xxxxxx | 842615 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/08/2025 | 03/06/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/11/2025 | 03/06/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 842619 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/14/2025 | 07/17/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 | Mortgagor Focused |
| xxxxxx | 842628 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/30/2025 | 07/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/12/2025 | 07/23/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 842640 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/16/2025 | 07/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -3.460% | 08/01/2025 | 07/14/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.80 | Property Focused |
| xxxxxx | 842660 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/31/2025 | 07/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Property Focused |
| xxxxxx | 842693 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/05/2025 | 06/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/02/2025 | 06/18/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 842745 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/24/2025 | 07/07/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 | Property Focused |
| xxxxxx | 842754 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/12/2025 | 07/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/16/2025 | 07/11/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Property Focused |
| xxxxxx | 842769 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/16/2025 | 06/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.30 | Mortgagor Focused |
| xxxxxx | 842789 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/03/2025 | 04/01/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/29/2025 | 04/01/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.60 | Mortgagor Focused |
| xxxxxx | 842880 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/28/2025 | 04/21/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -3.230% | 04/24/2025 | 04/21/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 842889 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/14/2025 | 04/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/06/2025 | 04/12/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Property Focused |
| xxxxxx | 842936 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/14/2025 | 07/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.30 | Property Focused |
| xxxxxx | 842938 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/15/2025 | 06/26/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/17/2025 | 06/26/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Mortgagor Focused |
| xxxxxx | 842963 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/21/2025 | 07/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/28/2025 | 07/19/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 | Property Focused |
| xxxxxx | 842993 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/11/2025 | 07/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | LCA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  | Property Focused |
| xxxxxx | 843016 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/21/2025 | 07/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 843119 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/01/2025 | 07/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | LCA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  | Property Focused |
| xxxxxx | 843136 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/25/2025 | 07/17/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/28/2025 | 07/17/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 2.30 | Property Focused |
| xxxxxx | 843153 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/17/2025 | 07/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 843155 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/01/2025 | 06/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/19/2025 | 06/14/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.00 | Property Focused |
| xxxxxx | 843173 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/30/2025 | 07/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/09/2025 | 07/03/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Property Focused |
| xxxxxx | 843185 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/15/2025 | 03/31/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/11/2025 | 03/31/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 843194 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/27/2025 | 06/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/30/2025 | 06/18/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 843205 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/26/2025 | 06/26/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 843207 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/01/2025 | 03/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/27/2025 | 03/24/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 843208 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/03/2025 | 03/20/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 843209 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/31/2025 | 02/28/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/26/2025 | 02/28/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 | Property Focused |
| xxxxxx | 843210 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/24/2025 | 04/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/30/2025 | 04/22/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 843212 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/07/2025 | 03/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/03/2025 | 03/18/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 843213 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/31/2025 | 03/06/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/07/2025 | 03/06/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 | Property Focused |
| xxxxxx | 843218 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/10/2025 | 05/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/16/2025 | 05/23/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 843223 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/13/2025 | 05/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/22/2025 | 05/12/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 | Property Focused |
| xxxxxx | 843225 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/20/2025 | 05/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -8.820% | 05/29/2025 | 05/03/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 843229 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/03/2025 | 04/29/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/12/2025 | 04/29/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.30 | Property Focused |
| xxxxxx | 843233 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/27/2025 | 05/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/10/2025 | 05/23/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 843236 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/21/2025 | 05/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 | Property Focused |
| xxxxxx | 843237 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/05/2025 | 05/20/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/09/2025 | 05/20/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 843242 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/11/2025 | 05/26/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 | Property Focused |
| xxxxxx | 843243 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/10/2025 | 05/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/11/2025 | 05/22/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 843244 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/27/2025 | 05/17/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/29/2025 | 05/17/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 843246 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/27/2025 | 03/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -6.840% | 05/22/2025 | 03/24/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 843249 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/28/2025 | 05/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/30/2025 | 05/22/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 843252 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/16/2025 | 06/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 843253 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/28/2025 | 05/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/27/2025 | 05/03/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 843254 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/03/2025 | 06/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/27/2025 | 05/16/2025 | Appraisal | xxxxxx |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx | Moderate | 05/28/2025 | 05/16/2025 | Yes | 2.50 | 1.50 | Property Focused |
| xxxxxx | 843255 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/27/2025 | 05/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/27/2025 | 05/13/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 843257 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/25/2025 | 04/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/20/2025 | 04/25/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.70 | Property Focused |
| xxxxxx | 843262 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/20/2025 | 05/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/22/2025 | 05/19/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 843263 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/19/2025 | 05/15/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/23/2025 | 05/15/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 843264 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/17/2025 | 05/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/08/2025 | 05/13/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 843268 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/11/2025 | 06/06/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 843273 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/08/2025 | 06/06/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 843275 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/27/2025 | 05/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/29/2025 | 05/23/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 843276 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/19/2025 | 05/29/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/24/2025 | 05/29/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.40 | Property Focused |
| xxxxxx | 843279 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/27/2025 | 05/26/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 843280 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/29/2025 | 05/21/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 | Property Focused |
| xxxxxx | 843282 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/16/2025 | 05/29/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/12/2025 | 05/29/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 843284 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/27/2025 | 05/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 | Property Focused |
| xxxxxx | 843286 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/05/2025 | 06/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 | Property Focused |
| xxxxxx | 843287 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/29/2025 | 05/29/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/04/2025 | 05/29/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 843288 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/02/2025 | 03/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/02/2025 | 03/18/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 | Property Focused |
| xxxxxx | 843289 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/27/2025 | 05/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -7.690% | 05/30/2025 | 05/22/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 843290 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/27/2025 | 05/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/27/2025 | 05/22/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 843291 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/12/2025 | 06/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 | Property Focused |
| xxxxxx | 843292 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/31/2025 | 03/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/12/2025 | 03/24/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 843296 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/07/2025 | 06/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/05/2025 | 06/23/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 843298 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/09/2025 | 06/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/10/2025 | 06/03/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 843299 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/03/2025 | 06/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/09/2025 | 06/10/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.50 | Property Focused |
| xxxxxx | 843307 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/03/2025 | 06/30/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 843309 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/26/2025 | 06/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/18/2025 | 06/14/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 843310 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/26/2025 | 06/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/18/2025 | 06/14/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 843312 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/06/2025 | 06/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 | Property Focused |
| xxxxxx | 843320 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/10/2025 | 06/06/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 | Property Focused |
| xxxxxx | 843327 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/10/2025 | 06/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/13/2025 | 06/09/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 | Property Focused |
| xxxxxx | 843329 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 12.200% | xxxxxx | 06/20/2025 | 06/17/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/26/2025 | 06/17/2025 | Desk Review | xxxxxx |  | High |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 843331 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/18/2025 | 04/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/16/2025 | 04/16/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 843334 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/01/2025 | 06/17/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/25/2025 | 06/17/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.70 | Property Focused |
| xxxxxx | 843337 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/19/2025 | 05/07/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/20/2025 | 05/07/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 843339 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/08/2025 | 05/15/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/09/2025 | 05/15/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 843340 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/13/2025 | 06/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/18/2025 | 06/10/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.20 | Property Focused |
| xxxxxx | 843343 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/04/2025 | 06/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/07/2025 | 06/03/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 | Property Focused |
| xxxxxx | 843353 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/24/2025 | 06/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 843356 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/07/2025 | 07/01/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Property Focused |
| xxxxxx | 843357 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 12.120% | xxxxxx | 06/26/2025 | 06/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/26/2025 | 06/23/2025 | Desk Review | xxxxxx |  | High |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 843360 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/17/2025 | 06/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/19/2025 | 06/12/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 | Property Focused |
| xxxxxx | 843363 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/26/2025 | 06/20/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 | Property Focused |
| xxxxxx | 843367 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/07/2025 | 07/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -8.090% | 07/10/2025 | 07/02/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 843368 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/25/2025 | 06/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 843369 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/03/2025 | 05/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/30/2025 | 05/23/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 843371 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/01/2025 | 06/17/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 843376 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/30/2025 | 06/26/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 843377 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/02/2025 | 06/26/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 | Property Focused |
| xxxxxx | 843382 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/05/2025 | 06/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 843389 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/14/2025 | 05/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/03/2025 | 05/08/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 843392 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/01/2025 | 06/27/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/02/2025 | 06/27/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 843394 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/23/2025 | 06/06/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/26/2025 | 06/06/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 843395 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/15/2025 | 06/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/02/2025 | 06/13/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 843396 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/09/2025 | 06/30/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 843398 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/19/2025 | 05/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/08/2025 | 05/12/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 843400 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/09/2025 | 06/06/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/07/2025 | 06/06/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 843402 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/23/2025 | 06/20/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/04/2025 | 06/20/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 | Property Focused |
| xxxxxx | 843408 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/06/2025 | 06/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 843426 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/15/2025 | 07/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 843428 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/25/2025 | 07/21/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 | Property Focused |
| xxxxxx | 843438 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/24/2025 | 07/17/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.70 | Mortgagor Focused |
| xxxxxx | 843439 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/02/2025 | 06/30/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/29/2025 | 06/30/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Property Focused |
| xxxxxx | 843444 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/28/2025 | 07/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/04/2025 | 07/23/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 843445 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/24/2025 | 07/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 843459 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/18/2025 | 06/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/27/2025 | 06/10/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 843469 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/22/2025 | 07/17/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 843505 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/31/2025 | 07/30/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -2.830% | 08/06/2025 | 07/30/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 843513 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/15/2025 | 07/15/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 843540 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/19/2025 | 04/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 | Property Focused |
| xxxxxx | 843542 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/27/2025 | 05/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 843543 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/02/2025 | 05/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/18/2025 | 05/13/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 | Property Focused |
| xxxxxx | 843560 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/24/2025 | 06/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 843567 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/09/2025 | 07/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 843572 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/31/2025 | 07/29/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -0.430% | 08/05/2025 | 08/05/2025 | AVM | xxxxxx | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 | Mortgagor Focused |
| xxxxxx | 843586 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/13/2025 | 07/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.20 | Mortgagor Focused |
| xxxxxx | 843597 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/12/2025 | 08/04/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -0.800% | 08/14/2025 | 08/14/2025 | AVM | xxxxxx | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.30 | Mortgagor Focused |
| xxxxxx | 843604 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/25/2025 | 07/21/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.20 | Property Focused |
| xxxxxx | 843634 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/11/2025 | 07/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | LCA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |  | Property Focused |
| xxxxxx | 843644 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/27/2025 | 08/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/28/2025 | 08/22/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 3.10 | Mortgagor Focused |
| xxxxxx | 843664 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/01/2025 | 04/29/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/03/2025 | 04/29/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 843665 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/08/2025 | 07/07/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 843672 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/25/2025 | 03/21/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/28/2025 | 03/21/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 843673 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/14/2025 | 03/30/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -9.870% | 04/14/2025 | 03/30/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 843674 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/07/2025 | 02/27/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 04/08/2025 | 02/27/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 | Property Focused |
| xxxxxx | 843675 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/16/2025 | 04/28/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/11/2025 | 04/28/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 843676 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/27/2025 | 04/26/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 843678 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/30/2025 | 03/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/12/2025 | 03/24/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 843687 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/31/2025 | 04/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/25/2025 | 04/03/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Property Focused |
| xxxxxx | 843688 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/08/2025 | 06/28/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.40 | Property Focused |
| xxxxxx | 843691 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 01/03/2025 | 01/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -6.520% | 03/10/2025 | 01/02/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 2.30 | Property Focused |
| xxxxxx | 843692 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/26/2025 | 03/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/27/2025 | 03/18/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 843693 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/27/2025 | 03/20/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/26/2025 | 03/20/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Property Focused |
| xxxxxx | 843694 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/21/2025 | 03/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 03/25/2025 | 03/18/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 843702 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 12/25/2024 | 12/18/2024 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 12/29/2024 | 12/18/2024 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 843707 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/10/2025 | 04/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 | Property Focused |
| xxxxxx | 843710 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/12/2025 | 06/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 | Property Focused |
| xxxxxx | 843712 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/07/2025 | 06/27/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -2.510% | 07/14/2025 | 06/27/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 | Property Focused |
| xxxxxx | 843713 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/10/2025 | 07/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/14/2025 | 07/03/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.40 | Property Focused |
| xxxxxx | 843721 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/30/2025 | 04/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/07/2025 | 04/25/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 | Property Focused |
| xxxxxx | 843723 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/31/2025 | 05/27/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/28/2025 | 05/27/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 843727 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/30/2025 | 07/29/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 843739 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/21/2025 | 06/27/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 | Property Focused |
| xxxxxx | 843744 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/21/2025 | 07/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/23/2025 | 07/08/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Property Focused |
| xxxxxx | 843749 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/28/2025 | 07/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 843779 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/26/2025 | 07/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 0.680% | 07/27/2025 | 07/15/2025 | Appraisal | xxxxxx |  |  | xxxxxx | xxxxxx | -1.020% | xxxxxx | 0.06 | 07/24/2025 |  |  |  |  |  |  |  | No | 4.00 | 3.20 | Property Focused |
| xxxxxx | 843785 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/05/2025 | 07/28/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.50 | Property Focused |
| xxxxxx | 843804 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/16/2025 | 06/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/04/2025 | 06/13/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 843829 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/04/2025 | 07/21/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/28/2025 | 07/21/2025 | Desk Review | xxxxxx |  | Moderate | xxxxxx | xxxxxx | -3.900% | xxxxxx | 0.18 | 07/24/2025 |  |  |  |  |  |  |  | No |  |  | Property Focused |
| xxxxxx | 843886 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/25/2025 | 06/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/28/2025 | 06/18/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.70 | Mortgagor Focused |
| xxxxxx | 843893 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/06/2025 | 07/01/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/11/2025 | 07/01/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.80 | Mortgagor Focused |
| xxxxxx | 843894 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/11/2025 | 07/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/07/2025 | 07/12/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 843906 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/14/2025 | 07/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 | Mortgagor Focused |
| xxxxxx | 843940 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/18/2025 | 07/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/23/2025 | 07/14/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.00 | Mortgagor Focused |
| xxxxxx | 843960 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/20/2025 | 07/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 | Mortgagor Focused |
| xxxxxx | 843962 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/30/2025 | 07/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 6.400% | 08/07/2025 | 08/07/2025 | AVM | xxxxxx | 0.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 | Mortgagor Focused |
| xxxxxx | 843973 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/28/2025 | 07/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -6.920% | 07/29/2025 | 07/16/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 843993 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 11/08/2024 | 10/31/2024 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.10 | Mortgagor Focused |
| xxxxxx | 844008 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/05/2025 | 05/31/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/01/2025 | 05/31/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 844034 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 02/19/2025 | 02/17/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/27/2025 | 02/17/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 844044 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/31/2025 | 07/17/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/22/2025 | 07/17/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 844069 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/29/2025 | 07/17/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/14/2025 | 07/17/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 844079 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/30/2025 | 05/26/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/29/2025 | 05/26/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Property Focused |
| xxxxxx | 844103 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/21/2025 | 08/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Mortgagor Focused |
| xxxxxx | 844112 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/05/2025 | 07/30/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 844114 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/14/2025 | 07/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.70 | Mortgagor Focused |
| xxxxxx | 844121 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/23/2025 | 06/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.50 | Property Focused |
| xxxxxx | 844123 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/29/2025 | 07/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/07/2025 | 07/25/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 |  | Mortgagor Focused |
| xxxxxx | 844133 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/01/2025 | 04/30/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 | Mortgagor Focused |
| xxxxxx | 844169 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/07/2025 | 07/31/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.30 | Mortgagor Focused |
| xxxxxx | 844176 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/17/2025 | 07/15/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 | Mortgagor Focused |
| xxxxxx | 844193 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/26/2025 | 07/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 844201 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/29/2025 | 07/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/05/2025 | 07/22/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.20 | Mortgagor Focused |
| xxxxxx | 844213 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/24/2025 | 08/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 844222 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/31/2025 | 07/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 | Property Focused |
| xxxxxx | 844231 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/12/2025 | 08/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 | Mortgagor Focused |
| xxxxxx | 844261 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/12/2025 | 08/07/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/19/2025 | 08/07/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 | Mortgagor Focused |
| xxxxxx | 844267 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/31/2025 | 07/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/31/2025 | 07/10/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Property Focused |
| xxxxxx | 844270 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/04/2025 | 07/01/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/03/2025 | 07/01/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.80 | Mortgagor Focused |
| xxxxxx | 844285 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/19/2025 | 07/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.10 | Property Focused |
| xxxxxx | 844357 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/12/2025 | 08/06/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 6.890% | 08/12/2025 | 08/06/2025 | Appraisal | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 844370 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/11/2025 | 07/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.50 | Mortgagor Focused |
| xxxxxx | 844399 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/10/2025 | 07/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/17/2025 | 07/10/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 844418 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/05/2025 | 07/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 | Property Focused |
| xxxxxx | 844441 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/17/2024 | 09/16/2024 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/16/2025 | 09/16/2024 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.90 | Mortgagor Focused |
| xxxxxx | 844444 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/13/2025 | 07/30/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/12/2025 | 07/30/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 844453 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/05/2025 | 05/17/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/24/2025 | 05/17/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 | Property Focused |
| xxxxxx | 844455 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/01/2025 | 06/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 844458 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/09/2025 | 05/06/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/03/2025 | 05/06/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 | Property Focused |
| xxxxxx | 844459 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/23/2025 | 06/17/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/26/2025 | 06/17/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 844461 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/08/2025 | 06/06/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 | Mortgagor Focused |
| xxxxxx | 844462 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/11/2025 | 06/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 | Property Focused |
| xxxxxx | 844465 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/27/2025 | 06/26/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 | Property Focused |
| xxxxxx | 844467 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/29/2025 | 06/15/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/08/2025 | 06/15/2025 | Desk Review | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.60 | Property Focused |
| xxxxxx | 844468 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/24/2025 | 06/20/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 844469 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/27/2025 | 06/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 844472 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/24/2025 | 06/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 | Property Focused |
| xxxxxx | 844473 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/11/2025 | 06/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 844474 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/17/2025 | 07/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 844475 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/24/2025 | 06/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/25/2025 | 06/23/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 | Property Focused |
| xxxxxx | 844477 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/24/2025 | 04/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 | Property Focused |
| xxxxxx | 844478 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/02/2025 | 06/30/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 844479 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/02/2025 | 07/01/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 844480 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/17/2025 | 04/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/30/2025 | 04/09/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 | Property Focused |
| xxxxxx | 844487 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/24/2025 | 07/17/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 844489 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/30/2025 | 06/26/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/11/2025 | 06/26/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 999.00 | Property Focused |
| xxxxxx | 844490 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/10/2025 | 07/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 844497 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/03/2025 | 06/30/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 | Property Focused |
| xxxxxx | 844498 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/21/2025 | 07/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/25/2025 | 07/16/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.90 | Mortgagor Focused |
| xxxxxx | 844500 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/18/2025 | 07/17/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 | Property Focused |
| xxxxxx | 844509 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/02/2025 | 08/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/27/2025 | 08/14/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.40 | Mortgagor Focused |
| xxxxxx | 844513 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/05/2025 | 07/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/06/2025 | 07/11/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 4.00 | Property Focused |
| xxxxxx | 844516 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/01/2025 | 06/28/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.00 | Mortgagor Focused |
| xxxxxx | 844521 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/14/2025 | 07/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/21/2025 | 07/13/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 2.00 | Mortgagor Focused |
| xxxxxx | 844527 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/21/2025 | 07/21/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/24/2025 | 07/21/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.30 | Mortgagor Focused |
| xxxxxx | 844528 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/08/2025 | 07/17/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/11/2025 | 07/17/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 844530 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 6.430% | xxxxxx | 07/31/2025 | 07/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 6.430% | 08/06/2025 | 07/25/2025 | Desk Review | xxxxxx |  | Moderate | xxxxxx | xxxxxx | 6.430% | xxxxxx | 0.08 | 07/31/2025 |  |  |  |  |  |  |  | No | 3.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 844555 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/04/2025 | 08/04/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 | Property Focused |
| xxxxxx | 844580 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/02/2025 | 08/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/15/2025 | 08/02/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 2.10 | Mortgagor Focused |
| xxxxxx | 844586 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/21/2025 | 05/20/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/16/2025 | 05/20/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 3.50 | Mortgagor Focused |
| xxxxxx | 844605 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/04/2025 | 08/04/2025 | AVM |  |  |  | 0.06 | xxxxxx | xxxxxx | 3.450% | 06/05/2025 | 06/05/2025 | AVM | xxxxxx | 0.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 844607 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/06/2025 | 08/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/19/2025 | 08/02/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.50 | Mortgagor Focused |
| xxxxxx | 844608 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/29/2025 | 07/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/23/2025 | 07/14/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.70 | Mortgagor Focused |
| xxxxxx | 844628 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/21/2025 | 07/30/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/12/2025 | 07/30/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.00 | Mortgagor Focused |
| xxxxxx | 844650 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/13/2025 | 07/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/29/2025 | 07/12/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 844655 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/19/2025 | 08/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 10/03/2025 | 08/08/2025 | Desk Review | xxxxxx |  | Low | xxxxxx | xxxxxx | -5.500% | xxxxxx | 0.06 | 08/14/2025 |  |  |  |  |  |  |  | No |  |  | Mortgagor Focused |
| xxxxxx | 844659 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/09/2025 | 08/06/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | LCA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  | Mortgagor Focused |
| xxxxxx | 844682 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/12/2025 | 08/07/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/15/2025 | 08/07/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 844689 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/31/2025 | 07/29/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/08/2025 | 07/29/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.30 | Mortgagor Focused |
| xxxxxx | 844711 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/18/2025 | 07/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 | Property Focused |
| xxxxxx | 844763 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/18/2025 | 08/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 844771 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/23/2025 | 06/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 | Property Focused |
| xxxxxx | 844812 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/05/2025 | 08/05/2025 | AVM |  |  |  | 0.08 | xxxxxx | xxxxxx | -2.020% | 08/06/2025 | 08/06/2025 | AVM | xxxxxx | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 844837 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/06/2025 | 07/30/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/08/2025 | 07/30/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 2.90 | Mortgagor Focused |
| xxxxxx | 844841 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/19/2025 | 07/31/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/25/2025 | 08/01/2025 | Appraisal | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 3.70 | Mortgagor Focused |
| xxxxxx | 844846 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/05/2025 | 07/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 844871 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/17/2025 | 08/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -2.560% | 09/17/2025 | 08/09/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.10 | Mortgagor Focused |
| xxxxxx | 844877 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/10/2025 | 07/28/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/11/2025 | 07/28/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 844889 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/05/2025 | 07/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 | Mortgagor Focused |
| xxxxxx | 844911 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/27/2025 | 08/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/29/2025 | 08/22/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 3.10 | Mortgagor Focused |
| xxxxxx | 844912 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/13/2025 | 08/01/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 844916 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/21/2025 | 07/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/03/2025 | 07/14/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 | Property Focused |
| xxxxxx | 844931 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/20/2025 | 08/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 | Mortgagor Focused |
| xxxxxx | 844944 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/05/2025 | 07/31/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/07/2025 | 07/31/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 844968 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/04/2025 | 07/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/23/2025 | 07/13/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 845015 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/24/2025 | 04/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 845102 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/23/2025 | 07/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 845119 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/19/2025 | 07/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/23/2025 | 07/18/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 999.00 | Property Focused |
| xxxxxx | 845139 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/14/2025 | 08/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/12/2025 | 08/02/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.70 | Mortgagor Focused |
| xxxxxx | 845141 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/07/2025 | 07/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/14/2025 | 07/02/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 845147 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/06/2025 | 08/06/2025 | AVM |  |  |  | 0.06 | xxxxxx | xxxxxx | 1.890% | 08/06/2025 | 08/06/2025 | AVM | xxxxxx | 0.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 845149 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/24/2025 | 08/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -6.760% | 08/30/2025 | 08/14/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 4.50 | Mortgagor Focused |
| xxxxxx | 845160 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/13/2025 | 08/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/18/2025 | 08/08/2025 | Desk Review | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 845186 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/11/2025 | 08/07/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 845191 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/07/2025 | 08/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/07/2025 | 08/05/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.60 | Mortgagor Focused |
| xxxxxx | 845198 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/27/2025 | 07/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 845200 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/14/2025 | 08/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/18/2025 | 08/12/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 845232 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/25/2025 | 08/20/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -0.910% | 08/12/2025 | 08/12/2025 | AVM | xxxxxx | 0.16 | Low |  |  |  |  |  |  | xxxxxx | $0.00 | 0.000% | xxxxxx | Low | 09/23/2025 | 08/20/2025 | Yes | 1.00 | 2.60 | Mortgagor Focused |
| xxxxxx | 845241 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/25/2025 | 07/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/30/2025 | 07/14/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 4.80 | Mortgagor Focused |
| xxxxxx | 845248 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/02/2025 | 06/27/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 845259 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/28/2025 | 07/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.20 | Mortgagor Focused |
| xxxxxx | 845260 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/14/2025 | 08/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 845275 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/08/2025 | 07/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 845278 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/04/2025 | 07/30/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 845286 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/01/2025 | 07/30/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 845290 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/30/2025 | 07/07/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 | Mortgagor Focused |
| xxxxxx | 845297 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/09/2025 | 07/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/15/2025 | 07/08/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Property Focused |
| xxxxxx | 845380 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/17/2025 | 07/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 | Property Focused |
| xxxxxx | 845381 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/02/2025 | 05/31/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/05/2025 | 05/31/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.20 | Mortgagor Focused |
| xxxxxx | 845400 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/26/2025 | 07/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 845409 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/21/2025 | 07/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/01/2025 | 07/19/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.40 | Mortgagor Focused |
| xxxxxx | 845417 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/08/2025 | 07/31/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/12/2025 | 07/31/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 845431 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/15/2025 | 07/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/17/2025 | 07/14/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 3.90 | Mortgagor Focused |
| xxxxxx | 845433 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/24/2025 | 08/21/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 845450 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/24/2025 | 06/21/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/07/2025 | 06/21/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Mortgagor Focused |
| xxxxxx | 845459 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/30/2025 | 07/29/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 845490 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/29/2025 | 07/26/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.20 | Mortgagor Focused |
| xxxxxx | 845505 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/25/2025 | 08/04/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -1.850% | 08/30/2025 | 08/04/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 | Mortgagor Focused |
| xxxxxx | 845512 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/01/2025 | 07/29/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/18/2025 | 07/29/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 845517 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/23/2025 | 07/21/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.10 | Mortgagor Focused |
| xxxxxx | 845529 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/05/2025 | 08/04/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/14/2025 | 08/04/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 845546 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/29/2025 | 07/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Mortgagor Focused |
| xxxxxx | 845588 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/22/2025 | 07/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/27/2025 | 07/18/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 | Mortgagor Focused |
| xxxxxx | 845590 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/22/2025 | 07/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/23/2025 | 07/22/2025 | Appraisal | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.00 | Mortgagor Focused |
| xxxxxx | 845591 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/05/2025 | 08/01/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/06/2025 | 08/01/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.60 | Mortgagor Focused |
| xxxxxx | 845605 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/19/2025 | 08/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 845709 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/14/2025 | 08/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.50 | Mortgagor Focused |
| xxxxxx | 845712 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/02/2025 | 08/15/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/22/2025 | 08/15/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 3.20 | Mortgagor Focused |
| xxxxxx | 845723 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/28/2025 | 07/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/29/2025 | 07/25/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.10 | Mortgagor Focused |
| xxxxxx | 845736 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/11/2025 | 07/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/16/2025 | 07/09/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 845739 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/13/2025 | 08/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.40 | Mortgagor Focused |
| xxxxxx | 845786 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/24/2025 | 06/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/22/2025 | 06/18/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 | Mortgagor Focused |
| xxxxxx | 845788 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/21/2025 | 07/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/13/2025 | 07/25/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.60 | Property Focused |
| xxxxxx | 845802 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/07/2025 | 08/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 | Mortgagor Focused |
| xxxxxx | 845854 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/08/2025 | 08/07/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 | Mortgagor Focused |
| xxxxxx | 845863 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/01/2025 | 07/30/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/04/2025 | 07/30/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 845876 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/30/2025 | 07/29/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/31/2025 | 07/29/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 845954 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/14/2025 | 07/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/16/2025 | 07/10/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 846000 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/13/2025 | 08/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/20/2025 | 08/12/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.60 | Mortgagor Focused |
| xxxxxx | 846019 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/29/2025 | 08/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.30 | Mortgagor Focused |
| xxxxxx | 846020 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/26/2025 | 08/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/28/2025 | 08/25/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.70 | Mortgagor Focused |
| xxxxxx | 846030 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/07/2025 | 07/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -6.250% | 07/11/2025 | 07/03/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.00 | Property Focused |
| xxxxxx | 846031 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/28/2025 | 05/28/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 06/02/2025 | 05/28/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 846033 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/02/2025 | 07/01/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 846034 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/02/2025 | 06/30/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/11/2025 | 06/30/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 846035 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/25/2025 | 07/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/17/2025 | 07/10/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Property Focused |
| xxxxxx | 846039 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/27/2025 | 07/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 846042 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/22/2025 | 05/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/29/2025 | 05/19/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 846047 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/17/2025 | 07/15/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 846049 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/22/2025 | 07/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/29/2025 | 07/22/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 | Mortgagor Focused |
| xxxxxx | 846053 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/17/2025 | 05/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 05/22/2025 | 05/16/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 | Mortgagor Focused |
| xxxxxx | 846154 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/21/2025 | 08/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/25/2025 | 08/14/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.30 | Property Focused |
| xxxxxx | 846157 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/27/2025 | 08/06/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/29/2025 | 08/06/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.00 | Mortgagor Focused |
| xxxxxx | 846168 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/03/2025 | 08/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 | Mortgagor Focused |
| xxxxxx | 846197 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/13/2025 | 08/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -2.300% | 08/18/2025 | 08/18/2025 | AVM | xxxxxx | 0.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 3.50 | Mortgagor Focused |
| xxxxxx | 846198 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/25/2025 | 08/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | LCA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  | Mortgagor Focused |
| xxxxxx | 846207 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/25/2025 | 06/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/02/2025 | 06/23/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.70 | Mortgagor Focused |
| xxxxxx | 846220 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/04/2025 | 07/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/23/2025 | 07/16/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 | Property Focused |
| xxxxxx | 846221 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/15/2025 | 07/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 846222 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/15/2025 | 07/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 | Mortgagor Focused |
| xxxxxx | 846223 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/20/2025 | 07/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 846227 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/07/2025 | 07/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 846229 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/03/2025 | 07/31/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 846232 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/30/2025 | 06/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/11/2025 | 06/25/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 | Mortgagor Focused |
| xxxxxx | 846293 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/03/2025 | 07/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 846311 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/22/2025 | 08/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 846312 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/25/2025 | 08/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Mortgagor Focused |
| xxxxxx | 846325 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/18/2025 | 07/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Mortgagor Focused |
| xxxxxx | 846381 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/09/2025 | 08/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 846416 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/02/2025 | 08/28/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/18/2025 | 08/28/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 846428 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/29/2025 | 05/27/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 | Property Focused |
| xxxxxx | 846437 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/08/2025 | 08/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.10 | Mortgagor Focused |
| xxxxxx | 846448 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/12/2025 | 08/06/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 846478 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/19/2025 | 08/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/21/2025 | 08/11/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 846482 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/04/2025 | 05/30/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 846491 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/21/2025 | 06/06/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/21/2025 | 06/06/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Mortgagor Focused |
| xxxxxx | 846498 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 21.950% | xxxxxx | 08/13/2025 | 08/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 846513 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/23/2025 | 06/20/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 | Mortgagor Focused |
| xxxxxx | 846519 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/03/2025 | 06/30/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/13/2025 | 06/30/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 846522 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/18/2025 | 08/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 846536 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/21/2025 | 08/20/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 846555 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/27/2025 | 08/27/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 | Mortgagor Focused |
| xxxxxx | 846674 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/11/2025 | 09/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/16/2025 | 09/08/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 846728 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/21/2025 | 08/20/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/26/2025 | 08/20/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.40 | Mortgagor Focused |
| xxxxxx | 846729 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 0.520% | xxxxxx | 08/26/2025 | 08/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 | Mortgagor Focused |
| xxxxxx | 846732 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/22/2025 | 05/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/27/2025 | 05/22/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | Mortgagor Focused |
| xxxxxx | 846740 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/07/2025 | 08/06/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.30 | Mortgagor Focused |
| xxxxxx | 846749 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/20/2025 | 07/30/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/29/2025 | 07/30/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 846762 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/26/2025 | 08/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/28/2025 | 08/25/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 846794 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/08/2025 | 08/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 846802 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/17/2025 | 07/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/30/2025 | 07/16/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Mortgagor Focused |
| xxxxxx | 846816 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/24/2025 | 07/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 846818 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/04/2025 | 08/02/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/07/2025 | 08/02/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.80 | Mortgagor Focused |
| xxxxxx | 846820 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/02/2025 | 07/30/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/14/2025 | 07/30/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.30 | Mortgagor Focused |
| xxxxxx | 846821 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/14/2025 | 07/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/15/2025 | 07/13/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 846825 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/12/2025 | 08/06/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.10 | Mortgagor Focused |
| xxxxxx | 846827 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/14/2025 | 07/30/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 3.050% | 08/14/2025 | 08/04/2025 | Appraisal | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.70 | Mortgagor Focused |
| xxxxxx | 846836 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/04/2025 | 08/01/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 0.880% | 08/18/2025 | 08/15/2025 | Appraisal | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.70 | Mortgagor Focused |
| xxxxxx | 846841 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/17/2025 | 07/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/20/2025 | 07/12/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 846842 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/11/2025 | 08/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 846843 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/08/2025 | 08/07/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/12/2025 | 08/07/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.40 | Mortgagor Focused |
| xxxxxx | 846844 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/18/2025 | 08/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 846845 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 6.010% | xxxxxx | 09/08/2025 | 08/06/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 | Property Focused |
| xxxxxx | 846847 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 8.570% | xxxxxx | 08/20/2025 | 08/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 8.570% | 08/20/2025 | 08/09/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 846858 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/04/2025 | 07/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/05/2025 | 07/14/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.70 | Mortgagor Focused |
| xxxxxx | 846860 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/22/2025 | 07/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 846862 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/07/2025 | 08/01/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.30 | Mortgagor Focused |
| xxxxxx | 846863 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/12/2025 | 08/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/15/2025 | 08/11/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Mortgagor Focused |
| xxxxxx | 846866 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/15/2025 | 08/06/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 846868 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/18/2025 | 07/15/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/29/2025 | 07/15/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 2.80 | Mortgagor Focused |
| xxxxxx | 846869 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/25/2025 | 07/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/31/2025 | 07/13/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 846915 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/14/2025 | 08/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | LCA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  | Mortgagor Focused |
| xxxxxx | 846921 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/26/2025 | 06/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Mortgagor Focused |
| xxxxxx | 846927 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/25/2025 | 08/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/27/2025 | 08/11/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 | Mortgagor Focused |
| xxxxxx | 846935 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/30/2025 | 07/28/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/01/2025 | 07/28/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.20 | Mortgagor Focused |
| xxxxxx | 846966 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/16/2025 | 07/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/26/2025 | 07/14/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 846975 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/15/2025 | 08/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/02/2025 | 08/14/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 | Mortgagor Focused |
| xxxxxx | 846982 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/31/2025 | 07/26/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 846990 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/27/2025 | 08/10/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 | Mortgagor Focused |
| xxxxxx | 847004 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/02/2025 | 08/20/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 1.100% | 08/28/2025 | 08/20/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.70 | Mortgagor Focused |
| xxxxxx | 847081 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/27/2025 | 08/26/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/02/2025 | 08/26/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 | Mortgagor Focused |
| xxxxxx | 847091 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/10/2025 | 07/09/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/10/2025 | 07/09/2025 | Appraisal | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.60 | Mortgagor Focused |
| xxxxxx | 847093 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/05/2025 | 07/28/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/06/2025 | 07/28/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 | Mortgagor Focused |
| xxxxxx | 847113 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/01/2025 | 06/26/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 | Mortgagor Focused |
| xxxxxx | 847114 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/30/2025 | 07/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/06/2025 | 07/16/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 847117 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/04/2025 | 07/21/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | -2.780% | 08/05/2025 | 07/21/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 | Property Focused |
| xxxxxx | 847155 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/22/2025 | 08/20/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 847180 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/11/2025 | 07/30/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/21/2025 | 07/30/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.60 | Mortgagor Focused |
| xxxxxx | 847194 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/23/2025 | 08/15/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 | Mortgagor Focused |
| xxxxxx | 847204 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/14/2025 | 08/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/08/2025 | 08/13/2025 | Desk Review | xxxxxx |  | Low | xxxxxx | xxxxxx | -5.950% | xxxxxx | 0.09 | 08/08/2025 |  |  |  |  |  |  |  | No | 3.00 | 2.70 | Mortgagor Focused |
| xxxxxx | 847205 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/03/2025 | 09/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/11/2025 | 09/03/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 847234 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/28/2025 | 07/21/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 847235 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/31/2025 | 07/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Property Focused |
| xxxxxx | 847238 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/14/2025 | 07/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/21/2025 | 07/14/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 | Property Focused |
| xxxxxx | 847244 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 5.260% | xxxxxx | 05/21/2025 | 05/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 5.260% | 08/11/2025 | 05/16/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Property Focused |
| xxxxxx | 847250 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/07/2025 | 07/29/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/08/2025 | 07/29/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Property Focused |
| xxxxxx | 847262 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/10/2025 | 06/04/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 847269 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/15/2025 | 06/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 847278 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/28/2025 | 08/28/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 847322 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/08/2025 | 08/06/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 847368 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/08/2025 | 09/06/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 | Mortgagor Focused |
| xxxxxx | 847377 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/11/2025 | 08/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 | Mortgagor Focused |
| xxxxxx | 847380 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/13/2025 | 08/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 | Mortgagor Focused |
| xxxxxx | 847386 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/29/2025 | 07/28/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 847392 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/18/2025 | 08/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 | Property Focused |
| xxxxxx | 847394 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/29/2025 | 08/07/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 847401 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/09/2025 | 07/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/20/2025 | 07/03/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.20 | Mortgagor Focused |
| xxxxxx | 847444 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/12/2025 | 08/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/15/2025 | 08/11/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.20 | Mortgagor Focused |
| xxxxxx | 847448 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/06/2025 | 08/04/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/11/2025 | 08/04/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 | Mortgagor Focused |
| xxxxxx | 847452 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/27/2025 | 07/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 847457 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/13/2025 | 08/11/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 | Mortgagor Focused |
| xxxxxx | 847459 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/10/2025 | 08/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 | Mortgagor Focused |
| xxxxxx | 847776 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/03/2025 | 08/27/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/11/2025 | 08/27/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 847778 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/08/2025 | 07/07/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/10/2025 | 07/07/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 847779 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/27/2025 | 07/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/30/2025 | 07/23/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 847789 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/12/2025 | 08/29/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 847812 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/07/2025 | 08/17/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 847820 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/29/2025 | 06/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 | Mortgagor Focused |
| xxxxxx | 847824 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/13/2025 | 07/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 847828 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/20/2025 | 08/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/16/2025 | 08/12/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.90 | Mortgagor Focused |
| xxxxxx | 847831 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/13/2025 | 08/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 | Mortgagor Focused |
| xxxxxx | 847832 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/19/2025 | 08/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 847835 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/13/2025 | 08/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 847836 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/09/2025 | 08/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/22/2025 | 08/08/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 | Mortgagor Focused |
| xxxxxx | 847873 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/03/2025 | 09/03/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 | Property Focused |
| xxxxxx | 847897 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/01/2025 | 08/27/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 847965 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/21/2025 | 08/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/22/2025 | 08/14/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.40 | Mortgagor Focused |
| xxxxxx | 847967 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/25/2025 | 07/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.70 | Mortgagor Focused |
| xxxxxx | 847970 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/12/2025 | 07/26/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 847971 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/13/2025 | 08/12/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/18/2025 | 08/12/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Mortgagor Focused |
| xxxxxx | 847972 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/22/2025 | 08/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 847978 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/04/2025 | 08/28/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.20 | Mortgagor Focused |
| xxxxxx | 847979 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/15/2025 | 08/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 | Mortgagor Focused |
| xxxxxx | 847984 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/15/2025 | 08/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 | Mortgagor Focused |
| xxxxxx | 847987 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/22/2025 | 08/21/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/25/2025 | 08/21/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 847991 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/18/2025 | 08/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/20/2025 | 08/18/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.40 | Mortgagor Focused |
| xxxxxx | 847999 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/24/2025 | 07/22/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.50 | Mortgagor Focused |
| xxxxxx | 848000 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/28/2025 | 08/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 848001 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/15/2025 | 08/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/20/2025 | 08/14/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 848017 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/23/2025 | 08/23/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/15/2025 | 08/23/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.50 | Mortgagor Focused |
| xxxxxx | 848147 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/17/2025 | 06/16/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 848180 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/19/2025 | 08/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/20/2025 | 08/19/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 4.10 | Mortgagor Focused |
| xxxxxx | 848181 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/07/2025 | 08/07/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/09/2025 | 08/07/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.40 | Mortgagor Focused |
| xxxxxx | 848229 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/28/2025 | 06/25/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/06/2025 | 06/25/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.20 | Mortgagor Focused |
| xxxxxx | 848303 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/06/2025 | 08/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/25/2025 | 08/05/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 | Mortgagor Focused |
| xxxxxx | 848304 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/31/2025 | 07/29/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/14/2025 | 07/29/2025 | Desk Review | xxxxxx |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  | Mortgagor Focused |
| xxxxxx | 848464 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/26/2025 | 08/24/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 09/04/2025 | 08/24/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.50 | Mortgagor Focused |
| xxxxxx | 848574 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/18/2025 | 07/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 848578 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/23/2025 | 08/21/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 | Mortgagor Focused |
| xxxxxx | 848581 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/14/2025 | 08/13/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 | Mortgagor Focused |
| xxxxxx | 848584 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/20/2025 | 08/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 | Mortgagor Focused |
| xxxxxx | 848842 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/22/2025 | 08/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/26/2025 | 08/14/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.00 | Mortgagor Focused |
| xxxxxx | 848846 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/15/2025 | 07/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 07/22/2025 | 07/14/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Mortgagor Focused |
| xxxxxx | 848847 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/27/2025 | 08/21/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/25/2025 | 08/21/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 | Mortgagor Focused |
| xxxxxx | 848849 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/19/2025 | 08/19/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 848853 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/20/2025 | 08/14/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/22/2025 | 08/14/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 4.20 | Mortgagor Focused |
| xxxxxx | 848857 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/08/2025 | 08/05/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | $0.00 | 0.000% | 08/13/2025 | 08/05/2025 | Desk Review | xxxxxx |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 3.40 | Mortgagor Focused |
| xxxxxx | 848858 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 08/25/2025 | 08/18/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |
| xxxxxx | 848872 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | $0.00 | 0.000% | xxxxxx | 09/17/2025 | 09/08/2025 | Appraisal | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | CU |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 | Mortgagor Focused |

---

## Exhibit 99.7

**EXHIBIT 99.7**

**AMC Supplemental Data**

![](tm2529922d1_ex99-2img01.jpg)

**Supplemental Data**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **TILA Status Loan Designation** | **Exempt QM/ATR Equivalency** | **CDFI Bank Originated Loan** | **Application Date** | **TRID Tested** | **GSE** | **HOEPA Fees** | **TILA Fees** | **Rate Lock Date** | **Calculated APR** | **Original P&I** | **Qualifying P&I** | **Qualifying Rate** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower2 Length of Employment** | **Co Borrower3 Length of Employment** | **Borrower Foreign National Indicator** | **Co Borrower Foreign National Indicator** | **Co Borrower 2 Foreign National Indicator** | **Co Borrower 3 Foreign National Indicator** | **Borrower Country Name** | **Co Borrower Country Name** | **Co Borrower2 Country Name** | **Co Borrower3 Country Name** | **Residual Income** | **Num Units** | **Annual Property Tax** | **Annual Insurance Costs** | **Monthly Property Tax** | **Monthly Insurance Costs** | **HOA Name** | **HOA Address State** | **Fee Amount** | **Next Due Date** | **HOA Payment Frequency** | **Investor DTI** | **QM DTI** | **Non QM DTI** | **Original Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Updated Credit Report Date** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Most Recent Updated Co Borrower 2 FICO** | **Most Recent Updated Co Borrower 3 FICO** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Asset Depletion Flag** | **Bank Statements Flag** | **Number of Statements** | **Type of Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **P&L Type** | **Income Doc Detail** | **Tax Return Doc Details** | **Document Level** | **Document Type** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy (7, 11)** | **Months Bankruptcy (13)** | **Most Recent Deed-in - Lieu Date** | **Number of Deed-in-Lieu Events** | **Months Deed-in-Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Guideline Name** | **UW Guideline Author** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **HUD 1 Page 1 Credits Total** | **Collateral Underwriter Risk Score** | **AUS Decision System** | **Property Inspection Waiver (PIW)** | **Rating Result** | **Eligible For Rep and Warrant Relief Per Collateral Advisor** | **Is Equity Shared Loan** | **Investor Qualifying Rate** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **Years of Personal Tax Returns** | **Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Months of Personal Bank Statements** | **Months of Business Bank Statements** | **Months of Profit and Loss Statements** | **Expense Letter** | **Total DSCR** | **Total Inverse DSCR** | **Subordinate Lien Type** | **Is Shared Appreciation Mortgage** | **Duration of Payout Months** | **Seller VSH Indicator** | **Seller Indicated VSH Guideline** | **Validated VSH** | **IO Remaining Amortization Term at Recast** | **Maturity Date** | **Borrower Own Funds Cash Amount** | **Borrower Own Funds Percent** | **Is the Note an eNote** | **Borrower WVOE - # of Months of Income provided** | **Co Borrower WVOE - # of Months of Income provided** | **Co Borrower2 WVOE - # of Months of Income provided** | **Co Borrower3 WVOE - # of Months of Income provided** | **Were the origination guidelines utilized for this diligence review?** | **Title Evidence** | **Ownership Type** | **Borrower Type** | **Borrower Designation** | **Co Borrower Type** | **Co Borrower Designation** | **Co Borrower2 Type** | **Co Borrower2 Designation** | **Co Borrower3 Type** | **Co Borrower3 Designation** | **Senior Lien Position** | **Senior Lien Original Loan Amount** | **Senior Lien Original Interest Rate** | **Senior Lien Note Projected Closing Date** | **Senior Lien Current Balance** | **Senior Lien Current P&I** | **Loan Closed in the Name of an Entity** | **Note Executed by** | **Assumable Mortgage Flag** | **Leasehold Flag** | **Buydown Flag** | **Borrower Experian FICO Model Used** | **Borrower Equifax FICO Model Used** | **Borrower TransUnion FICO Model Used** | **Co Borrower Experian FICO Model Used** | **Co Borrower Equifax FICO Model Used** | **Co Borrower TransUnion FICO Model Used** | **Co Borrower2 Experian FICO Model Used** | **Co Borrower2 Equifax FICO Model Used** | **Co Borrower2 TransUnion FICO Model Used** | **Co Borrower3 Experian FICO Model Used** | **Co Borrower3 Equifax FICO Model Used** | **Co Borrower3 TransUnion FICO Model Used** | **Borrower Documentation Used to Determine Legal Residency** | **Co Borrower Documentation Used to Determine Legal Residency** | **Co Borrower2 Documentation Used to Determine Legal Residency** | **Co Borrower3 Documentation Used to Determine Legal Residency** | **Delayed Financing?** | **Months Reserves** | **Correspondent Type** | **Departure Residence** | **Rate Increase on Default** | **MERS Min Number** | **Co Borrower Other Income** | **Co Borrower Wage Income** | **Primary Housing Lates 0 6 Months 30** | **Primary Housing Lates 0 6 Months 60** | **Primary Housing Lates 0 6 Months 90** | **Primary Housing Lates 7 12 Months 30** | **Primary Housing Lates 7 12 Months 60** | **Primary Housing Lates 7 12 Months 90** | **Primary Housing Lates 13 24 Months 30** | **Primary Housing Lates 13 24 Months 60** | **Primary Housing Lates 13 24 Months 90** | **Primary Housing Lates 25 36 Months 30** | **Primary Housing Lates 25 36 Months 60** | **Primary Housing Lates 25 36 Months 90** | **Borrower 1 ITIN Flag** | **Borrower 2 ITIN Flag** | **Borrower 3 ITIN Flag** | **Borrower 4 ITIN Flag** | **Scope** |
| xxxxxx | 806745 | xxxxxx | N/A |  |  | xxxxxx | No | No | $9343.57 | $13542.12 | xxxxxx | 10.407% | $1307.93 | $1307.93 | 9.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $10016.40 | 1 | xxxxxx | $1996.44 | xxxxxx | $166.37 |  |  |  |  |  | 17.020% | 17.020% | 17.020% | 11/05/2023 | 726 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 12.50000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 12.50000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 12.50000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 12.50000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 12.50000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 12.50000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 12.50000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 12.50000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 12.50000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 12.50000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 12.50000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 12.50000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 12.50000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 12.50000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 12.50000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 12.50000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 12.50000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2017<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 12.50000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2016<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 12.50000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2016 | [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $9343.57 | xxxxxx | 6.550% | $0.00 | 3.2 |  |  |  | N/A | No | 9.375% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $73836.18 | 39.910% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 18.27 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 831118 | xxxxxx | N/A |  |  | xxxxxx | No | No | $27485.00 | $16906.10 | xxxxxx | 7.556% | $3632.59 | $3632.59 | 7.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $37882.72 | 1 | xxxxxx | $1018.44 | xxxxxx | $84.87 |  |  |  |  |  | 42.877% | 42.877% | 42.877% | 07/21/2025 | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025 |  | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $27485.00 | xxxxxx | 6.790% | $0.00 |  |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 19.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $26951.86 | 3.790% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.79 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 833509 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $5180.06 | $5180.06 | 7.375% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 4 | xxxxxx | $3384.36 | xxxxxx | $282.03 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/21/2025 | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.5 | 0.67 |  |  |  |  |  |  |  | xxxxxx | $583.34 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 139.26 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 833728 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1318.91 | $1318.91 | 7.750% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 2 | xxxxxx | $675.00 | xxxxxx | $56.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/21/2025 | 734 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.8 | 0.55 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 129.22 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 833771 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2099.13 | $2099.13 | 8.500% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 2 | xxxxxx | $3901.32 | xxxxxx | $325.11 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/05/2025 | 663 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.12 | 0.88 |  |  |  |  |  |  |  | xxxxxx | $3424.56 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 11.62 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 834780 | xxxxxx | N/A |  |  | xxxxxx | No | No | $8227.30 | $20569.24 | xxxxxx | 8.049% | $2106.56 | $2106.56 | 7.375% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $15564.10 | 1 | xxxxxx | $1503.36 | xxxxxx | $125.28 | xxxxxx |  | $954.00 |  | Monthly | 33.575% | 33.575% | 33.575% | 06/27/2025 | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $8227.30 | xxxxxx | 6.830% | $0.00 |  |  |  |  | Yes | No | 7.375% | 2 |  | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $1081178.04 | 100.000% | No |  |  |  |  | Yes | Final | Leasehold | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No | Yes | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 235.84 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 836709 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $3890.00 | $6162.89 | xxxxxx | 7.910% | $2779.68 | $2779.68 | 7.750% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $4519.65 | 1 | xxxxxx | $3183.96 | xxxxxx | $265.33 |  |  |  |  |  | 48.738% | 48.738% | 48.738% | 06/02/2025 | 716 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2024<br> [Borrower - xxxxxx \| 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<br> [Borrower - xxxxxx \| 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<br> [Borrower - xxxxxx \| 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<br> [Borrower - xxxxxx \| 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<br> [Borrower - xxxxxx \| 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<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2017 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $3890.00 | xxxxxx | 6.610% | $0.00 | 2 |  |  |  | Yes | No | 7.750% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | xxxxxx | $22023.15 |  | Yes |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | No | 6.28 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 837390 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2021.86 | $2021.86 | 7.875% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1399.80 | xxxxxx | $116.65 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/17/2025 | 721 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.4 |  |  |  | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.36 | 0.73 |  |  |  |  |  |  |  | xxxxxx | $110848.93 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 60.97 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 837418 | xxxxxx | Higher Priced QM (APOR) |  |  | xxxxxx | Yes | No | $10930.00 | $14832.83 | xxxxxx | 8.711% | $4736.51 | $4736.51 | 8.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $21021.00 | 1 | xxxxxx | $2441.16 | xxxxxx | $203.43 |  |  |  |  |  | 32.290% | 32.290% | 32.290% | 05/23/2025 | 738 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2024<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2021<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2021<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2021<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2021<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2019<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2019<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2015<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2015<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2015<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - Year Not Available | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021 | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $10930.00 | xxxxxx | 6.740% | $0.00 | 1.4 |  |  |  | N/A | No | 8.500% | 0 |  | 0 | 0 | 3 | 0 |  |  | 12.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $75455.58 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 12.7 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 838442 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1125.74 | $1125.74 | 7.500% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | xxxxxx | $648.96 | xxxxxx | $54.08 | xxxxxx |  | $645.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 04/02/2025 | 813 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.3 |  |  |  | No | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  |  | xxxxxx | $88534.39 | 38.490% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.38 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 838465 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1478.09 | $1478.09 | 6.875% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2179.08 | xxxxxx | $181.59 | xxxxxx |  | $1214.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 05/21/2025 | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.4 |  |  |  | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.21 | 0.82 |  |  |  |  |  |  |  | xxxxxx | $635100.79 | 95.080% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 42.55 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 838753 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $3737.71 | $5060.04 | xxxxxx | 10.093% | $671.17 | $671.17 | 9.375% | No | No | Employed | Non-Employment Income |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $3317.96 | 1 | xxxxxx | $5125.92 | xxxxxx | $427.16 |  |  |  |  |  | 43.767% | 43.767% | 43.767% | 05/06/2025 | 707 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - Year Not Available<br> [Borrower - xxxxxx \| Non-Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Social Security]; 1099-SSA - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Social Security]; 1099-SSA - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Account Transcripts - 2023<br> [Borrower]; Transcripts (1040) - No Results Returned - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Account Transcripts - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Account Transcripts - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Account Transcripts - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $3737.71 | xxxxxx | 6.750% | $0.00 | 3.1 |  |  |  | No | No | 9.375% | 2 | 0 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 |  | No | 30 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  | 1 | xxxxxx | 4.250% | xxxxxx | xxxxxx | $660.08 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 39.82 |  |  | No | xxxxxx | $1254.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 839520 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $4258.60 | $6428.23 | xxxxxx | 10.116% | $831.75 | $831.75 | 9.375% | No | No | Self-Employed | Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $5914.16 | 1 | xxxxxx | $1009.20 | xxxxxx | $84.10 | xxxxxx | xxxxxx | $595.00 |  | Monthly | 41.685% | 41.685% | 41.685% | 05/27/2025 | 689 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; W-2 Transcript - 2024<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - Year Not Available<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - Year Not Available | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $4258.60 | xxxxxx | 6.830% | $0.00 |  |  |  |  | No | No | 9.375% | 1 | 1 | 1 | 0 | 2 | 0 |  |  | 5.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $1414.25 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  | 1 | xxxxxx | 4.625% | xxxxxx | xxxxxx | $2147.37 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 17.24 |  |  | No | xxxxxx | $0.00 | $5179.28 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 839660 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2552.24 | $2552.24 | 7.875% | No | No |  |  |  |  | 0 |  |  | Foreign National | Foreign National |  |  | xxxxxx | xxxxxx |  |  | 2 | xxxxxx | $2706.96 | xxxxxx | $225.58 | xxxxxx |  | $120.00 |  | Annually | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.32 | 0.76 |  |  |  |  |  |  |  | xxxxxx | $86494.02 |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 35.47 |  |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 839732 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1891.95 | $1891.95 | 6.875% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1663.32 | xxxxxx | $138.61 | xxxxxx |  | $510.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 06/03/2025 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.5 |  |  |  | No | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.25 | 0.79 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 25.55 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 839811 | xxxxxx | N/A |  |  | xxxxxx | No | No | $29718.94 | $14388.81 | xxxxxx | 7.989% | $3571.74 | $3571.74 | 7.750% | No | No | Self-Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $25974.38 | 1 | xxxxxx | $1784.04 | xxxxxx | $148.67 |  |  |  |  |  | 42.102% | 42.102% | 42.102% | 06/03/2025 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - C-Corp]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - C-Corp]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - C-Corp]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - C-Corp]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - C-Corp]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - C-Corp]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - C-Corp]; 1120 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - C-Corp]; W-2 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - C-Corp]; 1120 - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - C-Corp]; W-2 - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - C-Corp]; Third Party Verification - 1995<br> [Coborrower(s) - xxxxxx \| Primary Income - C-Corp]; Third Party Verification - 1995<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2022<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2022<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2022<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2022<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2022<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2022<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2022<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2022<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2022<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Account Transcripts - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Account Transcripts - 2024<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Account Transcripts - 2023<br> [Coborrower]; 1040 - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $29718.94 | xxxxxx | 6.610% | $0.00 | 1.1 |  |  |  | N/A | No | 7.750% | 2 | 3 | 2 | 0 | 2 | 2 |  |  | 17.37 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $668993.55 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 118.4 |  | No | Yes | xxxxxx | $21922.92 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 839853 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $1193.55 | $2426.29 | xxxxxx | 8.542% | $999.92 | $999.92 | 8.250% | No | No | Non-Employment Income | Non-Employment Income |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $5380.48 | 1 | xxxxxx | $2149.32 | xxxxxx | $179.11 | xxxxxx | xxxxxx | $21.00 |  | Monthly | 37.545% | 37.545% | 37.545% | 06/04/2025 | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025<br> [Borrower - xxxxxx \| Primary Income - VA Service Related Disability]; W-2 Transcript - 2024<br> [Borrower - xxxxxx \| Primary Income - VA Service Related Disability]; W-2 Transcript - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - VA Service Related Disability]; W-2 Transcript - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - VA Service Related Disability]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1193.55 | xxxxxx | 6.140% | $0.00 | 1 |  |  |  | Yes | No | 8.250% | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  | 1 | xxxxxx | 2.250% | xxxxxx | xxxxxx | $1338.47 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 39.18 |  |  | No | xxxxxx | $4307.49 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 839868 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $4483.00 | $5216.82 | xxxxxx | 9.011% | $1127.80 | $1127.80 | 8.625% | No | No | Employed | Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $10527.83 | 1 | xxxxxx | $3192.00 | xxxxxx | $266.00 |  |  |  |  |  | 44.774% | 44.774% | 44.774% | 08/12/2025 | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 1 | No | xxxxxx | xxxxxx | $4483.00 | xxxxxx | 6.920% | $0.00 | 1 |  |  |  | Yes | No | 8.625% | 2 | 0 | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No | 18 | 29 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  | 1 | xxxxxx | 3.875% | xxxxxx | xxxxxx | $813.39 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 38.03 |  | Yes | No | xxxxxx | $0.00 | $12826.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 839890 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3312.61 | $3312.61 | 8.750% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $4086.24 | xxxxxx | $340.52 | xxxxxx |  | $1960.00 |  | Annually | 0.000% | 0.000% | 0.000% | 06/05/2025 | 712 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | Yes | No | 8.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.71 | 1.4 |  |  |  |  |  |  |  | xxxxxx | $429027.52 | 76.410% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 63.19 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 840007 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3805.66 | $3805.66 | 8.750% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2312.04 | xxxxxx | $192.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/24/2025 | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.3 |  |  |  | No | No | 8.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.57 | 1.77 |  |  |  |  |  |  |  | xxxxxx | $393335.14 | 60.980% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Foreign Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 44.94 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 840009 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $11666.85 | $11666.85 | 8.625% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2889.00 | xxxxxx | $240.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/05/2025 | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.1 |  |  |  | Yes | No | 8.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.58 | 1.72 |  |  |  |  |  |  |  | xxxxxx | $179695.01 | 8.790% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.48 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 840185 | xxxxxx | Higher Priced QM (APOR) |  |  | xxxxxx | Yes | No | $7834.38 | $9904.93 | xxxxxx | 8.718% | $2137.70 | $2137.70 | 8.375% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $5600.95 | 1 | xxxxxx | $826.56 | xxxxxx | $68.88 |  |  |  |  |  | 43.216% | 43.216% | 43.216% | 04/30/2025 | 669 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7834.38 | xxxxxx | 6.880% | $0.00 | 4.3 |  |  |  | No | No | 8.375% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $16591.96 |  | No | 28 |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 22.26 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 840306 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4289.68 | $4289.68 | 7.500% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1836.24 | xxxxxx | $153.02 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/30/2025 | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.5 |  |  |  | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.57 | 1.76 |  |  |  |  |  |  |  | xxxxxx | $1996193.22 | 100.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 329.76 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 840339 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1545.26 | $1545.26 | 7.500% | No | No |  |  |  |  | 0 |  |  | Foreign National | Foreign National |  |  | xxxxxx | xxxxxx |  |  | 1 | xxxxxx | $1585.92 | xxxxxx | $132.16 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/08/2025 | 739 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.38 | 0.72 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 25.27 |  |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 840365 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2930.13 | $2930.13 | 7.750% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 2 | xxxxxx | $1749.00 | xxxxxx | $145.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/24/2025 | 679 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.31 | 0.76 |  |  |  |  |  |  |  | xxxxxx | $18617.99 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 51.89 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 840383 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4825.98 | $4825.98 | 7.500% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $548.04 | xxxxxx | $45.67 | xxxxxx |  | $355.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 03/27/2025 | 713 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 5 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.86 | 1.15 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 103.93 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 840399 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $53265.00 | $63718.16 | xxxxxx | 9.166% | $11800.51 | $11800.51 | 8.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $39513.35 | 1 | xxxxxx | $4533.00 | xxxxxx | $377.75 |  |  |  |  |  | 27.316% | 27.316% | 27.316% | 05/08/2025 | 657 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2024<br> [Borrower - xxxxxx \| 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<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $53265.00 | xxxxxx | 6.750% | $0.00 |  |  |  |  | N/A | No | 8.750% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | xxxxxx | $24995.00 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 7.67 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 840406 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1639.66 | $1639.66 | 7.500% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1377.00 | xxxxxx | $114.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/01/2025 | 684 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 4.3 |  |  |  | No | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.09 | 0.92 |  |  |  |  |  |  |  | xxxxxx | $479603.97 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 249.78 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 840562 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2866.78 | $2866.78 | 7.500% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1723.44 | xxxxxx | $143.62 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/10/2025 | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.93 | 1.06 |  |  |  |  |  |  |  | xxxxxx | $53964.40 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 125.82 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 840580 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $3467.06 | $8475.38 | xxxxxx | 7.315% | $5778.04 | $5778.04 | 7.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $75145.58 | 2 | xxxxxx | $4986.96 | xxxxxx | $415.58 |  |  |  |  |  | 8.363% | 8.363% | 8.363% | 06/17/2025 | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $3467.06 | xxxxxx | 6.770% | $0.00 |  |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $120000.00 | 9.910% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 101.36 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 840653 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $22150.00 | $25499.26 | xxxxxx | 8.156% | $3397.41 | $3397.41 | 7.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $11289.12 | 1 | xxxxxx | $1524.00 | xxxxxx | $127.00 | xxxxxx | xxxxxx | $2140.00 |  | Annually | 47.835% | 47.835% | 47.835% | 06/12/2025 | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - Year Not Available<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| 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 - 2022<br> [Borrower - xxxxxx \| 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 - Year Not Available |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $22150.00 | xxxxxx | 6.630% | $140000.00 |  |  |  |  | Yes | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $5153.75 | 0.850% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.63 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 840659 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $7698.00 | $9405.78 | xxxxxx | 8.175% | $1662.08 | $1662.08 | 7.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $6307.28 | 1 | xxxxxx | $3366.96 | xxxxxx | $280.58 |  |  |  |  |  | 31.193% | 31.193% | 31.193% | 03/14/2025 | 719 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7698.00 | xxxxxx | 6.880% | $8700.00 | 1 |  |  |  | Yes | No | 7.750% | 0 |  | 0 | 0 | 2 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $131672.38 | 45.400% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 28.83 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 840704 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $5380.00 | $8596.87 | xxxxxx | 8.119% | $3874.28 | $3874.28 | 8.000% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $5510.90 | 1 | xxxxxx | $3234.96 | xxxxxx | $269.58 | xxxxxx | xxxxxx | $408.00 |  | Monthly | 48.558% | 48.558% | 48.558% | 06/23/2025 | 707 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 36 | Business | 31.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement | Chapter 7 |  | xxxxxx | 1 | 57.24 |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $5380.00 | xxxxxx | 6.750% | $0.00 | 1 |  |  |  | Yes | No | 8.000% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $13028.79 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 11.33 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 840759 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1846.50 | $1846.50 | 8.875% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1926.60 | xxxxxx | $160.55 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/21/2025 | 702 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 8.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.74 | 1.34 |  |  |  |  |  |  |  | xxxxxx | $102563.22 | 33.140% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.7 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 840760 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1545.05 | $1545.05 | 8.250% | No | No |  |  |  |  |  |  | Foreign National | Foreign National |  |  | xxxxxx | xxxxxx |  |  |  | 1 | xxxxxx | $1736.64 | xxxxxx | $144.72 | xxxxxx |  | $282.00 |  | Monthly | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | No | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.94 |  |  |  |  |  |  |  | xxxxxx | $26370.00 | 8.970% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 59.39 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 840805 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4054.03 | $4054.03 | 8.125% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2355.00 | xxxxxx | $196.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/22/2025 | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 8.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.73 | 1.37 |  |  |  |  |  |  |  | xxxxxx | $281493.32 | 36.080% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.12 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 840844 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $977.90 | $977.90 | 7.750% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1901.04 | xxxxxx | $158.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/04/2025 | 689 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.16 | 0.85 |  |  |  |  |  |  |  | xxxxxx | $10376.05 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 95.26 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 840882 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4183.85 | $4183.85 | 7.750% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 2 | xxxxxx | $2232.96 | xxxxxx | $186.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/14/2025 | 710 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.19 | 0.83 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 104.22 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 840915 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2167.56 | $2167.56 | 7.500% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1428.24 | xxxxxx | $119.02 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/10/2025 | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.96 | 1.03 |  |  |  |  |  |  |  | xxxxxx | $53964.40 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 131.55 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 841009 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1742.67 | $1742.67 | 7.750% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1615.92 | xxxxxx | $134.66 | xxxxxx |  | $2050.00 |  | Annually | 0.000% | 0.000% | 0.000% | 05/27/2025 | 795 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.7 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.81 | 1.23 |  |  |  |  |  |  |  | xxxxxx | $151637.00 | 43.630% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.61 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 841014 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2331.03 | $2331.03 | 7.375% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $942.00 | xxxxxx | $78.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/14/2025 | 726 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.21 | 0.82 |  |  |  |  |  |  |  | xxxxxx | $452495.22 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 110.89 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 841089 | xxxxxx | N/A |  |  | xxxxxx | No | No | $24140.00 | $10084.68 | xxxxxx | 8.065% | $2256.70 | $2256.70 | 7.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $357813.88 | 1 | xxxxxx | $905.04 | xxxxxx | $75.42 |  |  |  |  |  | 6.502% | 6.502% | 6.502% | 06/16/2025 | 717 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 51.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $24140.00 | xxxxxx | 6.890% | $0.00 | 1.7 |  |  |  | Yes | No | 7.750% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $56721.89 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 131.65 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 841147 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1481.28 | $1481.28 | 8.125% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1886.64 | xxxxxx | $157.22 | xxxxxx |  | $167.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 05/01/2025 | 713 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | No | No | 8.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.8 | 1.24 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 68.54 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 841175 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1534.50 | $1534.50 | 8.250% | No | No |  |  |  |  |  |  | Foreign National |  |  |  | xxxxxx |  |  |  |  | 1 | xxxxxx | $2147.04 | xxxxxx | $178.92 | xxxxxx |  | $450.00 |  | Monthly | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | No | No | 8.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.93 |  |  |  |  |  |  | 240 | xxxxxx | $201592.46 | 54.190% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.23 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 841227 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $1590.00 | $5285.08 | xxxxxx | 8.922% | $3978.22 | $3978.22 | 8.875% | No | No | Not Employed | Self-Employed | Employed |  | 3.09 |  |  | xxxxxx | xxxxxx |  |  |  |  |  | $48455.94 | 1 | xxxxxx | $8069.04 | xxxxxx | $672.42 |  |  |  |  |  | 38.267% | 38.267% | 38.267% | 04/29/2025 | 720 | 809 | 826 | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 5-Stated/Verified as defined |  | Level 3-Stated/Verified as defined |  | No | Yes | 24 | Business | 98.000% |  | 100.000% |  | [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 26.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 26.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 26.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 26.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 26.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 26.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 26.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 26.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 26.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 1982<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 26.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 26.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 26.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 26.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 26.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 26.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 26.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 26.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 26.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 1982<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2023 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1590.00 | xxxxxx | 6.830% | $0.00 | 5 |  |  |  | No | No | 8.875% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $77508.56 |  | No |  |  |  |  | Yes | Final | Fee Simple | Trust | Business Entity | Individual | xxxxxx | Individual | xxxxxx |  |  | 1 | xxxxxx | 6.250% | xxxxxx | xxxxxx | $17609.51 | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 21.93 |  | No | No | xxxxxx | $76993.83 | $1499.33 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 841240 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2113.05 | $2113.05 | 7.375% | No | No |  |  |  |  | 0 |  |  | Foreign National | Foreign National |  |  | xxxxxx | xxxxxx |  |  | 1 | xxxxxx | $1996.08 | xxxxxx | $166.34 | xxxxxx |  | $745.00 |  | Monthly | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.6 |  |  |  | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.2 | 0.83 |  |  |  |  |  |  |  | xxxxxx | $152970.00 | 30.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.26 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 841241 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1091.23 | $1091.23 | 7.875% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 2 | xxxxxx | $996.00 | xxxxxx | $83.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/22/2025 | 715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.46 | 0.68 |  |  |  |  |  |  |  | xxxxxx | $1327.96 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 46.66 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 841244 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $5223.00 | $5777.01 | xxxxxx | 7.747% | $1795.59 | $1795.59 | 7.500% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $6441.62 | 1 | xxxxxx | $1647.96 | xxxxxx | $137.33 |  |  |  |  |  | 43.986% | 43.986% | 43.986% | 06/20/2025 | 706 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025 |  | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $5223.00 | xxxxxx | 6.670% | $3500.00 |  |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $7586.22 | 2.360% | No | 29 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.54 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 841253 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4728.32 | $4728.32 | 7.750% | No | No |  |  |  |  |  |  | Foreign National |  |  |  | xxxxxx |  |  |  |  | 1 | xxxxxx | $711.00 | xxxxxx | $59.25 | xxxxxx |  | $1370.00 |  | Monthly | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 2 |  |  |  | No | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.7 | 1.42 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 9.63 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 841267 | xxxxxx | N/A |  |  | xxxxxx | No | No | $20458.00 | $8884.92 |  | 8.085% | $1879.87 | $1879.87 | 7.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $357813.66 | 1 | xxxxxx | $900.96 | xxxxxx | $75.08 |  |  |  |  |  | 6.502% | 6.502% | 6.502% | 06/16/2025 | 717 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 51.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $20458.00 |  | 6.670% | $0.00 | 1.2 |  |  |  | Yes | No | 7.750% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $56721.89 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 128.34 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 841273 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $4060.00 | $7361.52 | xxxxxx | 9.092% | $1573.40 | $1573.40 | 8.750% | No | No | Self-Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $11574.77 | 1 | xxxxxx | $2922.96 | xxxxxx | $243.58 |  |  |  |  |  | 36.701% | 36.701% | 36.701% | 06/11/2025 | 730 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $4060.00 | xxxxxx | 6.750% | $0.00 | 2.6 |  |  |  | Yes | No | 8.750% | 2 | 2 | 2 | 0 | 3 | 2 |  |  | 5.97 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $1106.25 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  | 1 | xxxxxx | 4.875% | xxxxxx | xxxxxx | $2725.42 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 33.69 |  |  | No | xxxxxx | $7902.25 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 841304 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $1550.00 | $3465.55 | xxxxxx | 7.821% | $3223.86 | $3223.86 | 7.750% | No | No | Not Employed | Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $7425.73 | 1 | xxxxxx | $2856.48 | xxxxxx | $238.04 |  |  |  |  |  | 40.594% | 40.594% | 40.594% | 07/29/2025 | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2023 | [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 | No | xxxxxx | xxxxxx | $1550.00 | xxxxxx | 6.750% | $0.00 | 1 |  |  |  | N/A | No | 7.750% | 0 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 62.12 |  |  | No | xxxxxx | $0.00 | $12500.00 | 0 | 0 | 0 | 1 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 841349 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1023.27 | $1023.27 | 7.250% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1737.72 | xxxxxx | $144.81 | xxxxxx |  | $0.00 |  | Annually | 0.000% | 0.000% | 0.000% | 06/04/2025 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.6 |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.33 | 0.74 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 92.8 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 841582 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3041.35 | $3041.35 | 7.250% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1008.00 | xxxxxx | $84.00 | xxxxxx |  | $894.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 05/06/2025 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.92 | 1.08 |  |  |  |  |  |  |  | xxxxxx | $594708.00 | 93.370% | No |  |  |  |  | Yes | Commitment | Fee Simple | Trust | Foreign Business Entity | Individual | xxxxxx |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 75.05 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 841594 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $8968.38 | $8968.38 | 8.750% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $3143.40 | xxxxxx | $261.95 | xxxxxx |  | $848.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 06/17/2025 | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2 |  |  |  | Yes | No | 8.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.47 | 2.12 |  |  |  |  |  |  |  | xxxxxx | $177778.54 | 11.690% | No |  |  |  |  | Yes | Final | Fee Simple | Trust | Business Entity | Individual | xxxxxx |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 15.14 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 841670 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $5265.63 | $5265.63 | 7.750% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2853.96 | xxxxxx | $237.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/27/2025 | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.85 | 1.17 |  |  |  |  |  |  |  | xxxxxx | $11270.00 | 1.150% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Foreign Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 41.2 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 841755 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $4044.97 | $4815.77 | xxxxxx | 8.401% | $675.76 | $675.76 | 7.875% | No | No | Non-Employment Income |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $5932.59 | 1 | xxxxxx | $1194.00 | xxxxxx | $99.50 |  |  |  |  |  | 43.511% | 43.511% | 43.511% | 06/27/2025 | 748 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Social Security]; 1099-SSA - 2013<br> [Borrower - xxxxxx \| Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Pension]; Account Statements - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023 | Full Documentation (F) | 1yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $4044.97 | xxxxxx | 6.830% | $0.00 | 1.6 |  |  |  | Yes | No | 7.875% | 0 |  | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 3.875% | xxxxxx | xxxxxx | $1302.56 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.26 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 841756 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4219.58 | $4219.58 | 6.990% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1710.00 | xxxxxx | $142.50 | xxxxxx |  | $260.00 |  | Annually | 0.000% | 0.000% | 0.000% | 06/11/2025 | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.1 |  |  |  | Yes | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.07 | 0.93 |  |  |  |  |  |  |  | xxxxxx | $5000.00 | 0.590% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 153.33 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 841769 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2387.62 | $2387.62 | 7.250% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 3 | xxxxxx | $4110.96 | xxxxxx | $342.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/08/2025 | 718 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.19 | 0.83 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 26.27 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 841789 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2072.03 | $2072.03 | 7.375% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1523.04 | xxxxxx | $126.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/08/2025 | 705 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.3 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.12 | 0.89 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 86.31 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 841790 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2018.98 | $2018.98 | 7.500% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $9618.00 | xxxxxx | $801.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/30/2025 | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.01 | 0.49 |  |  |  |  |  |  |  | xxxxxx | $348367.69 | 90.480% | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 79.29 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 841915 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3056.43 | $3056.43 | 8.500% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $4318.44 | xxxxxx | $359.87 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/03/2025 | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.16 | 0.86 |  |  |  |  |  |  |  | xxxxxx | $257849.29 | 48.650% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 25.98 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 841995 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2172.27 | $2172.27 | 8.375% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $440.04 | xxxxxx | $36.67 | xxxxxx |  | $738.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 06/12/2025 | 704 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.84 | 1.18 |  |  |  |  |  |  | 240 | xxxxxx | $202152.18 | 48.710% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Trust | Foreign Business Entity | Individual | xxxxxx |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 26.17 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 842016 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3883.32 | $3883.32 | 7.375% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 4 | xxxxxx | $3453.96 | xxxxxx | $287.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/16/2025 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.27 | 0.78 |  |  |  |  |  |  |  | xxxxxx | $340959.85 | 38.360% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 50.11 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 842057 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2448.93 | $2448.93 | 6.437% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2958.96 | xxxxxx | $246.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/05/2025 | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.5 |  |  |  | N/A | No | 6.437% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.96 |  |  |  |  |  |  |  | xxxxxx | $157000.00 | 30.190% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 16.34 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 842084 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1117.00 | $1117.00 | 7.500% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $900.96 | xxxxxx | $75.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/20/2025 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.4 |  |  |  | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.96 | 1.03 |  |  |  |  |  |  |  | xxxxxx | $612952.94 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 380.91 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 842102 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $6651.40 | $6651.40 | 6.875% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $7127.64 | xxxxxx | $593.97 | xxxxxx |  | $300.00 |  | Annually | 0.000% | 0.000% | 0.000% | 06/06/2025 | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.1 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.92 | 0.51 |  |  |  |  |  |  |  | xxxxxx | $501088.57 | 37.110% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 15.63 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 842341 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2725.01 | $2725.01 | 7.625% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  | xxxxxx |  |  |  | 1 | xxxxxx | $2454.36 | xxxxxx | $204.53 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/04/2025 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2 |  |  |  | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.6 | 0.62 |  |  |  |  |  |  |  | xxxxxx | $227097.85 | 41.290% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Foreign Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 18.57 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 842356 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $11567.75 | $11567.75 | 7.125% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $10835.04 | xxxxxx | $902.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/29/2025 | 708 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 0.99 |  |  |  |  |  |  |  | xxxxxx | $373135.08 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 27.72 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 842382 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3531.73 | $3531.73 | 7.500% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2226.00 | xxxxxx | $185.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/23/2025 | 732 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.5 |  |  |  | No | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 27.61 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 842429 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $20222.56 | $23409.28 |  | 6.975% | $2816.65 | $2816.65 | 6.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $38193.04 | 1 | xxxxxx | $4248.96 | xxxxxx | $354.08 |  |  |  |  |  | 11.511% | 11.511% | 11.511% | 02/07/2025 | 678 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2020 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $20222.56 |  | 6.620% | $34721.65 | 1 |  |  |  | Yes | No | 6.500% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $514404.65 | 66.370% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 49 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 842456 | xxxxxx | N/A |  |  | xxxxxx | No | No | $46335.00 | $18143.64 |  | 7.994% | $8265.79 | $8265.79 | 7.875% | No | No | Not Employed | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $69456.81 | 3 | xxxxxx | $4064.40 | xxxxxx | $338.70 |  |  |  |  |  | 20.832% | 20.832% | 20.832% | 06/12/2025 | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025 |  | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $46335.00 | xxxxxx | 6.750% | $0.00 |  |  |  |  | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $369640.64 | 25.930% | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 17.55 |  | No | Yes | xxxxxx | $87733.13 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 842486 | xxxxxx | Higher Priced QM (APOR) |  |  | xxxxxx | Yes | No | $5768.00 | $6878.82 | xxxxxx | 8.614% | $2170.77 | $2170.77 | 8.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $44400.06 | 1 | xxxxxx | $4973.88 | xxxxxx | $414.49 |  |  |  |  |  | 15.205% | 15.205% | 15.205% | 07/08/2025 | 712 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $5768.00 | xxxxxx | 6.670% | $0.00 | 1 |  |  |  | N/A | No | 8.375% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $4241.25 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 81.3 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 842543 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $6591.41 | $6591.41 | 7.375% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $3701.04 | xxxxxx | $308.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/10/2025 | 729 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.12 | 0.88 |  |  |  |  |  |  | 240 | xxxxxx | $750851.08 | 45.500% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 17.13 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 842547 | xxxxxx | N/A |  |  | xxxxxx | No | No | $1595.00 | $3805.19 | xxxxxx | 7.170% | $3611.10 | $3611.10 | 7.125% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $4622.17 | 1 | xxxxxx | $2451.84 | xxxxxx | $204.32 | xxxxxx |  | $591.00 |  | Monthly | 47.362% | 47.362% | 47.362% | 06/16/2025 | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1595.00 | xxxxxx | 6.750% | $0.00 | 3.3 |  |  |  | No | No | 7.125% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $44911.26 | 6.700% | No | 30 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.22 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 842555 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2813.98 | $2813.98 | 7.250% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1208.16 | xxxxxx | $100.68 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/06/2025 | 817 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.75 | 1.31 |  |  |  |  |  |  |  | xxxxxx | $179370.17 | 32.610% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.03 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 842564 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2475.92 | $2475.92 | 7.125% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $2178.96 | xxxxxx | $181.58 | xxxxxx |  | $150.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 07/11/2025 | 795 | 776 | 783 | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.3 |  |  |  | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.42 | 0.7 |  |  |  |  |  |  |  | xxxxxx | $705407.54 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Trust | Foreign Business Entity | Individual | xxxxxx | Individual | xxxxxx |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 194.53 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 842569 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2802.86 | $2802.86 | 7.625% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $3469.80 | xxxxxx | $289.15 | xxxxxx |  | $6240.00 |  | Annually | 0.000% | 0.000% | 0.000% | 06/30/2025 | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.97 |  |  |  |  |  |  |  | xxxxxx | $163504.99 | 33.030% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 17.24 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 842583 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1127.48 | $1127.48 | 7.500% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1358.28 | xxxxxx | $113.19 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/03/2025 | 706 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.41 | 0.7 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 57.13 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 842598 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $5275.00 | $2937.00 | xxxxxx | 9.661% | $3282.21 | $3282.21 | 9.375% | No | No | Employed | Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $5604.67 | 1 | xxxxxx | $1295.52 | xxxxxx | $107.96 |  |  |  |  |  | 49.885% | 49.885% | 49.885% | 06/30/2025 | 681 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Employer Letter - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $5275.00 | xxxxxx | 6.000% | $0.00 | 1 |  |  |  | Yes | No | 9.375% | 2 | 2 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $595.07 |  | No |  | 30 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  | 1 | xxxxxx | 2.750% | xxxxxx | xxxxxx | $1428.85 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 5.22 |  |  | No | xxxxxx | $0.00 | $3883.78 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 842615 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1590.71 | $1590.71 | 7.500% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2552.04 | xxxxxx | $212.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/10/2025 | 676 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.22 | 0.81 |  |  |  |  |  |  |  | xxxxxx | $9256.64 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 118.59 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 842619 | xxxxxx | Higher Priced QM (APOR) |  |  | xxxxxx | Yes | No | $13035.30 | $18812.30 |  | 8.663% | $7577.87 | $7577.87 | 8.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $54358.17 | 1 | xxxxxx | $1892.88 | xxxxxx | $157.74 | xxxxxx | xxxxxx | $2700.00 |  | Monthly | 37.249% | 37.249% | 37.249% | 07/09/2025 | 721 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025 |  | Alternative Documentation (A) | 2yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $13035.30 |  | 6.630% | $0.00 | 1.3 |  |  |  | N/A | No | 8.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 24.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $584966.33 | 41.540% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.08 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 842628 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $1450.00 | $3449.19 |  | 7.156% | $4082.73 | $4082.73 | 7.125% | No | No | Self-Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $23279.06 | 1 | xxxxxx | $1707.96 | xxxxxx | $142.33 |  |  |  |  |  | 20.953% | 20.953% | 20.953% | 06/23/2025 | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1450.00 |  | 6.630% | $0.00 | 1 |  |  |  | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 19.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $180822.07 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 36.41 |  |  | No | xxxxxx | $14724.84 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 842640 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1795.76 | $1795.76 | 7.375% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1001.04 | xxxxxx | $83.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/25/2025 | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.8 |  |  |  | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.1 | 0.9 |  |  |  |  |  |  |  | xxxxxx | $3175863.57 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Foreign Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 989.2 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 842660 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1337.72 | $1337.72 | 7.750% | No | No |  |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  | 1 | xxxxxx | $1574.40 | xxxxxx | $131.20 | xxxxxx |  | $177.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 07/07/2025 | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.39 | 0.71 |  |  |  |  |  |  |  | xxxxxx | $5130.24 | 1.920% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 8.04 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 842693 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $11543.13 | $14093.37 | xxxxxx | 7.007% | $3216.40 | $3216.40 | 6.750% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $9094.44 | 1 | xxxxxx | $995.04 | xxxxxx | $82.92 | xxxxxx | xxxxxx | $57.00 |  | Monthly | 36.624% | 36.624% | 36.624% | 05/08/2025 | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $11543.13 | xxxxxx | 6.750% | $0.00 | 1 |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $315954.67 | 50.960% | No | 31 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 38.73 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 842745 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2307.41 | $2307.41 | 7.500% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1341.96 | xxxxxx | $111.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/26/2025 | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.39 | 0.72 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Trust | Business Entity | Individual | xxxxxx |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 27.65 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 842754 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1402.81 | $1402.81 | 8.375% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1343.40 | xxxxxx | $111.95 | xxxxxx |  | $294.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 07/10/2025 | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | No | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.85 | 1.16 |  |  |  |  |  |  | 360 | xxxxxx | $80134.09 | 29.900% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 2.2 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 842769 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $15398.00 | $22076.50 | xxxxxx | 8.405% | $3962.33 | $3962.33 | 8.000% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $17108.42 | 1 | xxxxxx | $4338.00 | xxxxxx | $361.50 |  |  |  |  |  | 23.696% | 23.696% | 23.696% | 05/28/2025 | 682 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023 | Alternative Documentation (A) | 2yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $15398.00 | xxxxxx | 6.670% | $26450.00 | 1.3 |  |  |  | Yes | No | 8.000% | 0 |  | 0 | 0 | 2 | 0 |  |  | 24.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $20875.00 | 3.090% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx |  | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.42 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 842789 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $4311.58 | $6147.13 | xxxxxx | 9.152% | $1180.05 | $1180.05 | 8.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $4425.81 | 1 | xxxxxx | $2432.04 | xxxxxx | $202.67 |  |  |  |  |  | 49.249% | 49.249% | 49.249% | 06/01/2025 | 738 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; W-2 Transcript - 2024<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; 1099 - 2023<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; W-2 Transcript - 2023<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; W-2 Transcript - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $4311.58 | xxxxxx | 6.750% | $0.00 | 2.6 |  |  |  | Yes | No | 8.750% | 3 |  | 0 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 2.375% | xxxxxx | xxxxxx | $1470.55 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 34.42 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 842880 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3117.80 | $3117.80 | 7.875% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 2 | xxxxxx | $1489.08 | xxxxxx | $124.09 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/02/2025 | 740 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.84 | 1.18 |  |  |  |  |  |  |  | xxxxxx | $6039.73 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 78.55 |  |  |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 842889 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3623.33 | $3623.33 | 8.000% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1696.08 | xxxxxx | $141.34 | xxxxxx |  | $664.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 07/24/2025 | 687 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | No | No | 8.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.73 | 1.36 |  |  |  |  |  |  |  | xxxxxx | $500763.87 | 60.840% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 30.98 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 842936 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4598.50 | $4598.50 | 6.875% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $6612.96 | xxxxxx | $551.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/09/2025 | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.3 |  |  |  | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.01 | 0.49 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Foreign Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 126.24 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 842938 | xxxxxx | Higher Priced QM (APOR) |  |  | xxxxxx | Yes | No | $7085.64 | $8142.02 | xxxxxx | 8.354% | $6058.97 | $6058.97 | 8.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $7941.63 | 1 | xxxxxx | $3380.04 | xxxxxx | $281.67 |  |  |  |  |  | 47.627% | 47.627% | 47.627% | 06/05/2025 | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - xxxxxx \| Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Partnership (>= 25%)]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - xxxxxx \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - xxxxxx \| Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Borrower - xxxxxx \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2024<br> [Borrower - xxxxxx \| Primary Income - Partnership (>= 25%)]; Other - 2023<br> [Borrower - xxxxxx \| Primary Income - Partnership (>= 25%)]; Other - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7085.64 | xxxxxx | 6.750% | $0.00 | 1 |  |  |  | No | No | 8.250% | 0 |  | 1 | 0 | 2 | 0 |  |  | 5.97 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 84.43 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 842963 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1746.98 | $1746.98 | 7.750% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1085.04 | xxxxxx | $90.42 | xxxxxx |  | $95.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 05/27/2025 | 805 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 0.99 |  |  |  |  |  |  | 240 | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 125.75 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 842993 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4560.35 | $4560.35 | 7.250% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $5475.96 | xxxxxx | $456.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/16/2025 | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.3 | 0.76 |  |  |  |  |  |  |  | xxxxxx | $1381093.65 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 199.88 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 843016 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1534.90 | $1534.90 | 7.250% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $2866.92 | xxxxxx | $238.91 | xxxxxx |  | $194.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 06/18/2025 | 776 | 766 | 659 | 692 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.16 | 0.85 |  |  |  |  |  |  |  | xxxxxx | $372650.22 | 72.640% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Trust | Business Entity | Individual | xxxxxx | Individual | xxxxxx |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 21.3 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 843119 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2029.47 | $2029.47 | 7.250% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1647.00 | xxxxxx | $137.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/17/2025 | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | Yes | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.25 | 0.79 |  |  |  |  |  |  |  | xxxxxx | $16366.60 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 106.52 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 843136 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4459.10 | $4459.10 | 7.625% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2524.92 | xxxxxx | $210.41 | xxxxxx |  | $25.00 |  | Annually | 0.000% | 0.000% | 0.000% | 07/10/2025 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.3 |  |  |  | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.68 | 1.48 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 34.27 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 843153 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $5486.00 | $7342.88 | xxxxxx | 7.719% | $1381.36 | $1381.36 | 7.375% | No | No | Not Employed | Self-Employed | Self-Employed |  | 11.33 |  |  | xxxxxx | xxxxxx |  |  |  |  |  | $18732.32 | 1 | xxxxxx | $1563.96 | xxxxxx | $130.33 | xxxxxx | xxxxxx | $593.00 |  | Monthly | 29.210% | 29.210% | 29.210% | 07/16/2025 | 781 | 807 | 809 | 807 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 3-Stated/Partially Verified |  | Level 3-Stated/Verified as defined |  | No | Yes | 48 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| 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) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| 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> [Coborrower(s) - xxxxxx \| 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) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| 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) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2014<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| 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> [Coborrower(s) - xxxxxx \| 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) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2014 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $5486.00 | xxxxxx | 6.750% | $5000.00 | 1 |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $162739.51 | 42.270% | No |  |  |  |  | Yes | Commitment | Fee Simple | Trust | Business Entity | Individual | xxxxxx | Individual | xxxxxx |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 99.67 |  | Yes | No | xxxxxx | $26461.91 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 843155 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2065.10 | $2065.10 | 7.625% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $5912.16 | xxxxxx | $492.68 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/25/2025 | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 3 |  |  |  | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.97 |  |  |  |  |  |  | 240 | xxxxxx | $188955.27 | 43.600% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 48.19 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 843173 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3703.85 | $3703.85 | 7.750% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 4 | xxxxxx | $2907.00 | xxxxxx | $242.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/02/2025 | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | No | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.66 | 0.6 |  |  |  |  |  |  | 240 | xxxxxx | $619934.40 | 81.030% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 89.5 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 843185 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $7127.97 | $7127.97 | 8.125% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 4 | xxxxxx | $8441.04 | xxxxxx | $703.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/16/2025 | 713 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.51 | 0.66 |  |  |  |  |  |  |  | xxxxxx | $218272.87 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 41.04 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 843194 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1534.50 | $1534.50 | 7.625% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1952.04 | xxxxxx | $162.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/12/2025 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.07 | 0.93 |  |  |  |  |  |  |  | xxxxxx | $71734.36 | 26.470% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.79 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 843205 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $832.40 | $832.40 | 6.625% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2279.52 | xxxxxx | $189.96 | xxxxxx | xxxxxx | $420.00 |  | Annually | 0.000% | 0.000% | 0.000% | 06/23/2025 | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.32 | 0.75 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 34.43 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 843207 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2419.08 | $2419.08 | 8.250% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $695.04 | xxxxxx | $57.92 | xxxxxx | xxxxxx | $346.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 02/27/2025 | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.74 | 1.36 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 149.01 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 843208 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $906.34 | $906.34 | 7.875% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1230.00 | xxxxxx | $102.50 | xxxxxx | xxxxxx | $400.00 |  | Annually | 0.000% | 0.000% | 0.000% | 07/10/2025 | 721 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.61 | 0.62 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 104.37 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 843209 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1887.88 | $1887.88 | 7.500% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2777.04 | xxxxxx | $231.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/28/2025 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.2 |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.43 | 0.7 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx |  | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 93.59 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 843210 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2097.64 | $2097.64 | 7.500% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 4 | xxxxxx | $2212.44 | xxxxxx | $184.37 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/27/2025 | 721 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.86 | 0.54 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 113.12 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 843212 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4062.74 | $4062.74 | 7.625% | No | No |  |  |  |  | 0 |  |  |  | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $825.00 | xxxxxx | $68.75 | xxxxxx | xxxxxx | $1806.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 03/13/2025 | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.88 | 1.14 |  |  |  |  |  |  |  | xxxxxx | $30000.00 | 3.480% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Corp | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 36.65 |  |  |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 843213 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $14791.66 | $14791.66 | 8.875% | No | No |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1856.04 | xxxxxx | $154.67 | xxxxxx | xxxxxx | $3261.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 03/28/2025 | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.2 |  |  |  | N/A | No | 8.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.75 | 1.33 |  |  |  |  |  |  | 240 | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 55.67 |  |  |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 843218 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $15025.32 | $15025.32 | 8.250% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $16947.72 | xxxxxx | $1412.31 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/02/2025 | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.64 | 1.57 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 45.09 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 843223 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3287.61 | $3287.61 | 7.375% | No | No |  |  |  |  |  |  | Non-Permanent Resident Alien | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1800.00 | xxxxxx | $150.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/22/2025 | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.6 |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.91 | 1.1 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 99.51 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 843225 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1726.69 | $1726.69 | 7.375% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 2 | xxxxxx | $2751.00 | xxxxxx | $229.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/21/2025 | 709 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.51 | 0.66 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 44.07 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 843229 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2149.24 | $2149.24 | 7.750% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $922.56 | xxxxxx | $76.88 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/31/2025 | 703 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 4.3 |  |  |  | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.87 | 1.15 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 195.27 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 843233 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1611.18 | $1611.18 | 8.875% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1863.00 | xxxxxx | $155.25 | xxxxxx | xxxxxx | $100.00 |  | Annually | 0.000% | 0.000% | 0.000% | 04/30/2025 | 647 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.09 | 0.92 |  |  |  |  |  |  |  | xxxxxx | $23191.36 | 8.580% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.46 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 843236 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1638.34 | $1638.34 | 7.999% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1155.84 | xxxxxx | $96.32 | xxxxxx | xxxxxx | $504.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 04/09/2025 | 725 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.6 |  |  |  | N/A | No | 7.999% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.81 | 1.23 |  |  |  |  |  |  |  | xxxxxx | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 79.91 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 843237 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1841.88 | $1841.88 | 7.250% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 2 | xxxxxx | $3020.04 | xxxxxx | $251.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/28/2025 | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.48 | 0.68 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 39.97 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 843242 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1318.20 | $1318.20 | 7.750% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1443.00 | xxxxxx | $120.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/02/2025 | 812 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.3 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.35 | 0.74 |  |  |  |  |  |  |  | xxxxxx | $68566.03 | 29.810% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.85 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 843243 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1851.17 | $1851.17 | 7.500% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 2 | xxxxxx | $2240.16 | xxxxxx | $186.68 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/05/2025 | 718 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.32 | 0.76 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 57.99 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 843244 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2073.50 | $2073.50 | 8.250% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 2 | xxxxxx | $1128.00 | xxxxxx | $94.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/04/2025 | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.94 |  |  |  |  |  |  |  | xxxxxx | $98863.33 | 28.650% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.79 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 843246 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4693.45 | $4693.45 | 8.375% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $507.00 | xxxxxx | $42.25 | xxxxxx | xxxxxx | $650.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 02/27/2025 | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.54 | 1.86 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 77.48 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 843249 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1866.15 | $1866.15 | 8.250% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 3 | xxxxxx | $1353.00 | xxxxxx | $112.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/11/2025 | 740 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.32 | 0.76 |  |  |  |  |  |  |  | xxxxxx | $122792.85 | 39.540% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 21.97 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 843252 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2321.18 | $2321.18 | 7.750% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1310.16 | xxxxxx | $109.18 | xxxxxx | xxxxxx | $175.00 |  | Annually | 0.000% | 0.000% | 0.000% | 05/07/2025 | 718 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.2 | 0.84 |  |  |  |  |  |  |  | xxxxxx | $4000.00 | 0.980% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 27.83 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 843253 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $5115.26 | $5115.26 | 9.375% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1708.80 | xxxxxx | $142.40 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/29/2025 | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 9.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.54 | 1.84 |  |  |  |  |  |  |  | xxxxxx | $15000.00 | 1.820% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.22 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 843254 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $7892.24 | $7892.24 | 9.125% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1268.16 | xxxxxx | $105.68 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/05/2025 | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.5 |  |  |  | Yes | No | 9.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.53 | 1.9 |  |  |  |  |  |  |  | xxxxxx | $400042.00 | 29.630% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 2.24 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 843255 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $910.39 | $910.39 | 8.500% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1306.92 | xxxxxx | $108.91 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/01/2025 | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.41 | 0.71 |  |  |  |  |  |  |  | xxxxxx | $42667.06 | 28.820% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 40.87 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 843257 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2412.29 | $2412.29 | 7.500% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $789.00 | xxxxxx | $65.75 | xxxxxx | xxxxxx | $623.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 04/11/2025 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.7 |  |  |  | No | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.85 | 1.18 |  |  |  |  |  |  |  | xxxxxx | $105235.45 | 22.870% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.86 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 843262 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2321.39 | $2321.39 | 7.500% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 2 | xxxxxx | $2429.04 | xxxxxx | $202.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/09/2025 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.09 | 0.92 |  |  |  |  |  |  |  | xxxxxx | $80038.78 | 19.280% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.39 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 843263 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2999.63 | $2999.63 | 7.500% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 4 | xxxxxx | $3233.04 | xxxxxx | $269.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/23/2025 | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.35 | 0.74 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 21.81 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 843264 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2021.16 | $2021.16 | 7.125% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1247.04 | xxxxxx | $103.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/12/2025 | 730 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.19 | 0.84 |  |  |  |  |  |  |  | xxxxxx | $16807.29 | 4.200% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.7 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 843268 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1208.95 | $1208.95 | 7.750% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1212.96 | xxxxxx | $101.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/13/2025 | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.36 | 0.74 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 108.74 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 843273 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1538.27 | $1538.27 | 7.500% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1314.36 | xxxxxx | $109.53 | xxxxxx | xxxxxx | $128.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 05/07/2025 | 748 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.12 | 0.89 |  |  |  |  |  |  |  | xxxxxx | $149029.47 | 54.190% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 43.32 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 843275 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3438.78 | $3438.78 | 7.750% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 2 | xxxxxx | $3603.00 | xxxxxx | $300.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/16/2025 | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.3 | 0.77 |  |  |  |  |  |  |  | xxxxxx | $60000.00 | 10.000% | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 10.71 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 843276 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1961.18 | $1961.18 | 7.750% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1083.72 | xxxxxx | $90.31 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/22/2025 | 741 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.4 |  |  |  | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.43 | 0.7 |  |  |  |  |  |  |  | xxxxxx | $76570.45 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 39.01 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 843279 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2493.34 | $2493.34 | 7.375% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1710.96 | xxxxxx | $142.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/19/2025 | 735 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.95 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 26.65 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 843280 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1864.82 | $1864.82 | 7.375% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1494.96 | xxxxxx | $124.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/19/2025 | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.9 |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 7.53 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 843282 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $997.83 | $997.83 | 7.999% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 2 | xxxxxx | $1852.08 | xxxxxx | $154.34 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/19/2025 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.999% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.92 | 0.52 |  |  |  |  |  |  |  | xxxxxx | $790154.67 | 100.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 509.27 |  |  | Yes |  | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 843284 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2382.78 | $2382.78 | 7.875% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1671.00 | xxxxxx | $139.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/19/2025 | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.5 |  |  |  | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.86 | 1.17 |  |  |  |  |  |  |  | xxxxxx | $110907.13 | 26.990% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 4.96 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 843286 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4195.29 | $4195.29 | 7.500% | No | No |  |  |  |  | 0 |  |  |  | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $15399.48 | xxxxxx | $1283.29 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/19/2025 | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.1 |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.92 | 1.09 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Trust | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 86.91 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 843287 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1931.90 | $1931.90 | 8.500% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1609.68 | xxxxxx | $134.14 | xxxxxx | xxxxxx | $350.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 05/20/2025 | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.89 | 1.12 |  |  |  |  |  |  |  | xxxxxx | $519694.28 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 145.46 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 843288 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1758.87 | $1758.87 | 7.625% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1839.96 | xxxxxx | $153.33 | xxxxxx | xxxxxx | $300.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 06/26/2025 | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.4 |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.98 | 1.02 |  |  |  |  |  |  |  | xxxxxx | $14876.11 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 3.07 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 843289 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2070.30 | $2070.30 | 7.625% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 3 | xxxxxx | $1842.00 | xxxxxx | $153.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/19/2025 | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.17 | 0.46 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 95.75 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 843290 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1751.79 | $1751.79 | 7.625% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 2 | xxxxxx | $1842.00 | xxxxxx | $153.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/19/2025 | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.07 | 0.48 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 97.45 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 843291 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1199.71 | $1199.71 | 7.625% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1521.96 | xxxxxx | $126.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/20/2025 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.1 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.17 | 0.86 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 104.49 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 843292 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2584.25 | $2584.25 | 8.375% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $695.04 | xxxxxx | $57.92 | xxxxxx | xxxxxx | $348.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 05/29/2025 | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.71 | 1.41 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 143.48 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 843296 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1397.00 | $1397.00 | 7.750% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1437.00 | xxxxxx | $119.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/21/2025 | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.09 | 0.92 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 46.19 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 843298 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2606.45 | $2606.45 | 7.625% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 2 | xxxxxx | $3584.04 | xxxxxx | $298.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/16/2025 | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  |  |  |  |  | xxxxxx | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 65.52 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 843299 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1744.93 | $1744.93 | 7.125% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2571.00 | xxxxxx | $214.25 | xxxxxx | xxxxxx | $250.00 |  | Annually | 0.000% | 0.000% | 0.000% | 05/07/2025 | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.5 |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.8 | 1.24 |  |  |  |  |  |  |  | xxxxxx | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 15.27 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 843307 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1289.89 | $1289.89 | 6.999% | No | No |  |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | 1 | xxxxxx | $1463.04 | xxxxxx | $121.92 | xxxxxx | xxxxxx | $215.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 05/23/2025 | 739 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.94 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 82.96 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 843309 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2223.27 | $2223.27 | 7.125% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 3 | xxxxxx | $3110.40 | xxxxxx | $259.20 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/27/2025 | 724 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.74 | 0.58 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 28.59 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 843310 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2223.27 | $2223.27 | 7.125% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 3 | xxxxxx | $3503.52 | xxxxxx | $291.96 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/27/2025 | 724 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.61 | 0.62 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 23.53 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 843312 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1155.21 | $1155.21 | 7.750% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1729.68 | xxxxxx | $144.14 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/28/2025 | 730 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.5 |  |  |  | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.17 | 0.86 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 26.69 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 843320 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2517.17 | $2517.17 | 7.500% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | xxxxxx | $870.96 | xxxxxx | $72.58 | xxxxxx | xxxxxx | $101.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 05/29/2025 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.3 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.92 | 1.09 |  |  |  |  |  |  |  | xxxxxx | $637406.23 | 96.570% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 100.53 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 843327 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $5605.73 | $5605.73 | 7.625% | No | No |  |  |  |  |  |  | Non-Permanent Resident Alien | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $3592.08 | xxxxxx | $299.34 | xxxxxx | xxxxxx | $451.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 05/30/2025 | 721 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.3 |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.87 | 1.14 |  |  |  |  |  |  |  | xxxxxx | $964500.18 | 73.060% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 53.11 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 843329 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3390.33 | $3390.33 | 7.625% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $938.04 | xxxxxx | $78.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/23/2025 | 679 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.84 | 1.19 |  |  |  |  |  |  |  | xxxxxx | $0.00 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 23.5 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 843331 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1389.69 | $1389.69 | 7.500% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1497.96 | xxxxxx | $124.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/01/2025 | 726 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.47 | 0.68 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 67.52 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 843334 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1048.85 | $1048.85 | 7.250% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1521.24 | xxxxxx | $126.77 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/03/2025 | 815 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 4.7 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.44 | 0.69 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 117.67 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 843337 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1961.30 | $1961.30 | 7.500% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2181.96 | xxxxxx | $181.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/03/2025 | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.15 | 0.87 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 101.28 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 843339 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2245.87 | $2245.87 | 8.625% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 4 | xxxxxx | $3390.24 | xxxxxx | $282.52 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/02/2025 | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.79 | 0.56 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 32.8 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 843340 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3457.68 | $3457.68 | 6.625% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2166.00 | xxxxxx | $180.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/27/2025 | 803 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 4.2 |  |  |  | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  |  | xxxxxx | $261421.42 | 36.300% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 13.37 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 843343 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1591.66 | $1591.66 | 7.125% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $805.92 | xxxxxx | $67.16 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/31/2025 | 703 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.12 | 0.89 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 115.89 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 843353 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2106.33 | $2106.33 | 7.875% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1725.96 | xxxxxx | $143.83 | xxxxxx | xxxxxx | $55.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 04/22/2025 | 730 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.91 | 1.1 |  |  |  |  |  |  |  | xxxxxx | $16.63 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 59.82 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 843356 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1562.96 | $1562.96 | 7.125% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1328.04 | xxxxxx | $110.67 | xxxxxx | xxxxxx | $190.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 05/12/2025 | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.96 | 1.04 |  |  |  |  |  |  |  | xxxxxx | $22705.76 | 6.830% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 31.67 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 843357 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3839.97 | $3839.97 | 7.750% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 2 | xxxxxx | $1638.96 | xxxxxx | $136.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/30/2025 | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.9 | 1.12 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 96.5 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 843360 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2043.75 | $2043.75 | 7.625% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1689.00 | xxxxxx | $140.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/28/2025 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 5 |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.4 | 0.72 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx |  | xxxxxx |  |  |  |  |  |  |  |  |  |  | Yes | 98.85 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 843363 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4193.89 | $4193.89 | 7.375% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $5245.56 | xxxxxx | $437.13 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/10/2025 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.9 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.14 | 0.87 |  |  |  |  |  |  | 240 | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 100.17 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 843367 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2002.96 | $2002.96 | 7.375% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 2 | xxxxxx | $4004.04 | xxxxxx | $333.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/11/2025 | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.29 | 0.78 |  |  |  |  |  |  |  | xxxxxx | $112234.19 | 30.960% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 11.17 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 843368 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1804.87 | $1804.87 | 7.625% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1441.56 | xxxxxx | $120.13 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/28/2025 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.57 | 0.64 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx |  | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 97.86 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 843369 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2498.23 | $2498.23 | 7.999% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $741.00 | xxxxxx | $61.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/15/2025 | 731 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.999% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.93 | 1.08 |  |  |  |  |  |  |  | xxxxxx | $178710.42 | 39.360% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 21.44 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 843371 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4109.68 | $4109.68 | 7.125% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | xxxxxx | $693.96 | xxxxxx | $57.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/29/2025 | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.86 | 1.16 |  |  |  |  |  |  |  | xxxxxx | $641394.65 | 72.060% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 96.33 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 843376 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1347.44 | $1347.44 | 7.125% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $545.04 | xxxxxx | $45.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/15/2025 | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.98 |  |  |  |  |  |  |  | xxxxxx | $141869.35 | 56.740% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 53.97 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 843377 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $842.89 | $842.89 | 7.875% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1847.04 | xxxxxx | $153.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/02/2025 | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.8 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.42 | 0.7 |  |  |  |  |  |  |  | xxxxxx | $30390.91 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 113.41 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 843382 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1706.08 | $1706.08 | 7.500% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2316.96 | xxxxxx | $193.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/21/2025 | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | xxxxxx | $109665.55 | 35.950% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 22.25 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 843389 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2482.42 | $2482.42 | 7.875% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2425.56 | xxxxxx | $202.13 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/23/2025 | 708 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Short Form | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 108.3 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 843392 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2154.91 | $2154.91 | 7.375% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 3 | xxxxxx | $2585.04 | xxxxxx | $215.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/23/2025 | 820 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.25 | 0.8 |  |  |  |  |  |  |  | xxxxxx | $339540.58 | 87.060% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 85.74 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 843394 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1128.06 | $1128.06 | 7.999% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $461.04 | xxxxxx | $38.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/03/2025 | 716 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.999% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.29 | 0.78 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 108.46 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 843395 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2116.12 | $2116.12 | 8.125% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1362.00 | xxxxxx | $113.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/01/2025 | 709 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.1 | 0.91 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 23.99 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 843396 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1468.43 | $1468.43 | 6.750% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $863.04 | xxxxxx | $71.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/20/2025 | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.14 | 0.88 |  |  |  |  |  |  |  | xxxxxx | $141936.50 | 50.150% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 43.16 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 843398 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4856.22 | $4856.22 | 6.999% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 3 | xxxxxx | $3539.04 | xxxxxx | $294.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/30/2025 | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.18 | 0.84 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 35.18 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 843400 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3211.64 | $3211.64 | 7.375% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $6106.92 | xxxxxx | $508.91 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/24/2025 | 707 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 46.34 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 843402 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1980.36 | $1980.36 | 7.250% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1065.00 | xxxxxx | $88.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/28/2025 | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | xxxxxx | $178400.00 | 49.150% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 30.06 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 843408 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4591.26 | $4591.26 | 9.375% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1592.04 | xxxxxx | $132.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/29/2025 | 677 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 9.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.6 | 1.68 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 56.72 | Retail |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 843426 | xxxxxx | N/A |  |  | xxxxxx | No | No | $22495.00 | $5414.38 |  | 8.299% | $5258.87 | $5258.87 | 8.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $1618393.26 | 1 | xxxxxx | $3882.00 | xxxxxx | $323.50 |  |  |  |  |  | 3.266% | 3.266% | 3.266% | 08/06/2025 | 677 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 81.530% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 81.53% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 81.53% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 81.53% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 81.53% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $22495.00 |  | 6.610% | $0.00 | 1 |  |  |  | Yes | No | 8.250% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $194835.00 | 22.260% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 220.64 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 843428 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3246.17 | $3246.17 | 7.375% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1395.00 | xxxxxx | $116.25 | xxxxxx |  | $300.00 |  | Annually | 0.000% | 0.000% | 0.000% | 07/08/2025 | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.2 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.89 | 1.12 |  |  |  |  |  |  |  | xxxxxx | $26195.53 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 32.43 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 843438 | xxxxxx | N/A |  |  | xxxxxx | No | No | $5494.88 | $12060.75 |  | 8.921% | $1408.62 | $1408.62 | 8.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $25437.46 | 1 | xxxxxx | $1262.16 | xxxxxx | $105.18 |  |  |  |  |  | 43.293% | 43.293% | 43.293% | 07/07/2025 | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $5494.88 |  | 6.630% | $0.00 | 1.7 |  |  |  | Yes | No | 8.250% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $23180.20 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 24.59 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 843439 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $6160.00 | $6160.00 | 7.000% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $13038.00 | xxxxxx | $1086.50 | xxxxxx |  | $765.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 06/19/2025 | 731 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.76 | 1.31 |  |  |  |  |  |  | 240 | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Trust | Business Entity | Individual | xxxxxx |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 12.86 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 843444 | xxxxxx | N/A |  |  | xxxxxx | No | No | $36477.50 | $17157.78 | xxxxxx | 7.307% | $5423.44 | $5423.44 | 7.125% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $30490.37 | 1 | xxxxxx | $1589.76 | xxxxxx | $132.48 |  |  |  |  |  | 31.939% | 31.939% | 31.939% | 07/11/2025 | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025 |  | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $36477.50 | xxxxxx | 6.750% | $0.00 |  |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 126.69 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 843445 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $10611.87 | $13873.96 |  | 9.562% | $3566.30 | $3566.30 | 9.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $269169.03 | 1 | xxxxxx | $4624.08 | xxxxxx | $385.34 |  |  |  |  |  | 2.912% | 2.912% | 2.912% | 07/11/2025 | 691 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $10611.87 |  | 6.630% | $0.00 | 1 |  |  |  | Yes | No | 9.250% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 27.75 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 843459 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $19460.00 | $26570.64 | xxxxxx | 8.107% | $6960.67 | $6960.67 | 7.875% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $12742.53 | 2 | xxxxxx | $1290.96 | xxxxxx | $107.58 |  |  |  |  |  | 39.169% | 39.169% | 39.169% | 07/18/2025 | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025 |  | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $19460.00 | xxxxxx | 6.610% | $0.00 |  |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx |  |  | No | 31 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 20.83 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 843469 | xxxxxx | N/A |  |  | xxxxxx | No | No | $59460.00 | $35343.80 | xxxxxx | 8.299% | $6177.59 | $6177.59 | 7.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $52262.67 | 1 | xxxxxx | $1790.04 | xxxxxx | $149.17 |  |  |  |  |  | 12.782% | 12.782% | 12.782% | 06/30/2025 | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2024<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2014 |  | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $59460.00 | xxxxxx | 6.610% | $0.00 | 1 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 110.68 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 843505 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $20955.00 | $41685.12 | xxxxxx | 7.823% | $12952.63 | $12952.63 | 7.625% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  | $96991.11 | 1 | xxxxxx | $7343.04 | xxxxxx | $611.92 | xxxxxx | xxxxxx | $359.00 |  | Monthly | 16.713% | 16.713% | 16.713% | 07/25/2025 | 715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025 |  | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $20955.00 | xxxxxx | 6.750% | $2500.00 |  |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $133906.36 | 4.730% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | VISA |  |  |  |  | 2.41 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 843513 | xxxxxx | N/A |  |  | xxxxxx | No | No | $21006.88 | $22373.32 | xxxxxx | 8.401% | $6405.89 | $6405.89 | 8.125% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $176974.56 | 1 | xxxxxx | $2256.96 | xxxxxx | $188.08 | xxxxxx | xxxxxx | $463.00 |  | Annually | 18.722% | 18.722% | 18.722% | 07/07/2025 | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2014<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $21006.88 | xxxxxx | 6.790% | $0.00 | 1 |  |  |  | Yes | No | 8.125% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $221592.54 | 21.830% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 54.24 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 843540 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1380.08 | $1380.08 | 6.749% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1204.44 | xxxxxx | $100.37 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/18/2025 | 678 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.2 |  |  |  | N/A | No | 6.749% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.23 | 0.8 |  |  |  |  |  |  |  | xxxxxx | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 38.15 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 843542 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2018.44 | $2018.44 | 6.750% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $461.64 | xxxxxx | $38.47 | xxxxxx | xxxxxx | $176.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 05/06/2025 | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.08 | 0.92 |  |  |  |  |  |  |  | xxxxxx | $10000.00 | 2.570% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 16.29 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 843543 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1621.85 | $1621.85 | 6.560% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1648.20 | xxxxxx | $137.35 | xxxxxx | xxxxxx | $10.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 04/25/2025 | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.6 |  |  |  | N/A | No | 6.560% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.34 | 0.74 |  |  |  |  |  |  |  | xxxxxx | $266053.15 | 39.120% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 119.18 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 843560 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $861.48 | $861.48 | 6.999% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1302.96 | xxxxxx | $108.58 | xxxxxx | xxxxxx | $114.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 06/12/2025 | 701 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR | Chapter 7 |  | xxxxxx | 1 | 98.52 |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.4 | 0.71 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 9.86 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 843567 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $848.18 | $848.18 | 6.999% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $361.92 | xxxxxx | $30.16 | xxxxxx | xxxxxx | $225.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 06/24/2025 | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.999% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.14 | 0.87 |  |  |  |  |  |  |  | xxxxxx | $40008.67 | 23.530% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.04 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 843572 | xxxxxx | N/A |  |  | xxxxxx | No | No | $23366.45 | $5733.35 | xxxxxx | 7.650% | $2412.29 | $2412.29 | 7.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $13775.83 | 1 | xxxxxx | $1215.00 | xxxxxx | $101.25 | xxxxxx | xxxxxx | $175.00 |  | Monthly | 11.521% | 11.521% | 11.521% | 07/21/2025 | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Business License - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; 1099 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $23366.45 | xxxxxx | 6.790% | $15000.00 | 2.6 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | xxxxxx | $164825.04 | 35.830% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.94 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 843586 | xxxxxx | Higher Priced QM (APOR) |  |  | xxxxxx | Yes | No | $17869.00 | $28179.13 | xxxxxx | 8.512% | $7775.61 | $7775.61 | 8.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $13375.69 | 1 | xxxxxx | $3011.04 | xxxxxx | $250.92 | xxxxxx | xxxxxx | $189.60 |  | Monthly | 48.547% | 48.547% | 48.547% | 07/14/2025 | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 25 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Account Statements - Personal - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - Year Not Available<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - Year Not Available<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - Year Not Available<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $17869.00 | xxxxxx | 6.750% | $0.00 | 1.2 |  |  |  | Yes | No | 8.250% | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | Yes |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $333991.42 | 29.040% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 17.25 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 843597 | xxxxxx | Higher Priced QM (APOR) |  |  | xxxxxx | Yes | No | $2214.00 | $3903.07 | xxxxxx | 8.307% | $4259.68 | $4259.68 | 8.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $37138.24 | 1 | xxxxxx | $2645.76 | xxxxxx | $220.48 | xxxxxx | xxxxxx | $390.00 |  | Annually | 14.675% | 14.675% | 14.675% | 07/09/2025 | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2214.00 | xxxxxx | 6.790% | $0.00 | 1.3 |  |  |  | Yes | No | 8.250% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $10000.00 | 1.580% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.22 |  | Yes | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 843604 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $5095.05 | $5095.05 | 8.125% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1410.00 | xxxxxx | $117.50 | xxxxxx |  | $669.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 07/11/2025 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.2 |  |  |  | Yes | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.78 | 1.27 |  |  |  |  |  |  | 240 | xxxxxx | $1007934.35 | 93.760% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Trust | Business Entity | Individual | xxxxxx |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 95.54 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 843634 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1280.07 | $1280.07 | 7.125% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $1972.80 | xxxxxx | $164.40 | xxxxxx |  | $455.00 |  | Annually | 0.000% | 0.000% | 0.000% | 07/18/2025 | 807 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.26 | 0.78 |  |  |  |  |  |  |  | xxxxxx | $314855.83 | 80.730% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 103.75 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 843644 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $17143.00 | $24548.56 | xxxxxx | 8.003% | $10016.83 | $10016.83 | 7.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $20895.33 | 1 | xxxxxx | $5847.00 | xxxxxx | $487.25 |  |  |  |  |  | 43.435% | 43.435% | 43.435% | 07/31/2025 | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 11.90000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 11.90000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 11.90000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 11.90000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 11.90000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 11.90000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 11.90000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 11.90000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 11.90000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 11.90000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 11.90000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 11.90000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 11.90000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2001 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $17143.00 | xxxxxx | 6.610% | $15350.00 | 3.1 |  |  |  | No | No | 7.875% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $180675.88 | 11.770% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 591.56 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 843664 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4560.43 | $4560.43 | 8.375% | No | No |  |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | 4 | xxxxxx | $9363.96 | xxxxxx | $780.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/10/2025 | 716 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | xxxxxx | $249889.60 | 33.310% | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 10.61 |  |  |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 843665 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1078.90 | $1078.90 | 7.875% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1164.00 | xxxxxx | $97.00 | xxxxxx | xxxxxx | $300.00 |  | Annually | 0.000% | 0.000% | 0.000% | 05/28/2025 | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.23 | 0.81 |  |  |  |  |  |  |  | xxxxxx | $53514.01 | 28.770% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.49 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 843672 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2617.30 | $2617.30 | 8.125% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 3 | xxxxxx | $3763.56 | xxxxxx | $313.63 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/13/2025 | 715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.4 | 0.71 |  |  |  |  |  |  |  | xxxxxx | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 73.09 |  |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 843673 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1251.93 | $1251.93 | 7.750% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1679.28 | xxxxxx | $139.94 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/19/2025 | 739 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.12 | 0.89 |  |  |  |  |  |  |  | xxxxxx | $3431.43 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 2.08 |  |  |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 843674 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2118.54 | $2118.54 | 7.999% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2112.00 | xxxxxx | $176.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/25/2025 | 701 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.9 |  |  |  | N/A | No | 7.999% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.27 | 0.79 |  |  |  |  |  |  |  | xxxxxx | $10166.08 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 212.41 |  |  |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 843675 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1888.08 | $1888.08 | 8.750% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 4 | xxxxxx | $6618.96 | xxxxxx | $551.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/04/2025 | 674 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.49 | 0.67 |  |  |  |  |  |  |  | xxxxxx | $36482.48 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 51.62 |  |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 843676 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2047.23 | $2047.23 | 8.500% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $6744.00 | xxxxxx | $562.00 | xxxxxx | xxxxxx | $912.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 04/17/2025 | 727 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.66 | 1.51 |  |  |  |  |  |  |  | xxxxxx | $601160.39 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Trust | Business Entity | Individual | xxxxxx |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 123.22 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 843678 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2020.65 | $2020.65 | 6.999% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2983.08 | xxxxxx | $248.59 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/29/2025 | 735 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 381.49 |  |  |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 843687 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3266.72 | $3266.72 | 8.625% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 2 | xxxxxx | $1400.04 | xxxxxx | $116.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/17/2025 | 656 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | No | No | 8.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | xxxxxx | $231059.14 | 41.260% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 16.26 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 843688 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1864.52 | $1864.52 | 7.125% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1011.00 | xxxxxx | $84.25 | xxxxxx | xxxxxx | $491.00 |  | Annually | 0.000% | 0.000% | 0.000% | 07/09/2025 | 676 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.4 |  |  |  | Yes | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | xxxxxx | $177986.58 | 48.230% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.44 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 843691 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1118.83 | $1118.83 | 6.750% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $973.56 | xxxxxx | $81.13 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/18/2024 | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.3 |  |  |  | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.24 | 0.81 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 27.17 |  |  |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 843692 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1386.56 | $1386.56 | 8.750% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 2 | xxxxxx | $1533.12 | xxxxxx | $127.76 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/11/2024 | 696 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.69 | 0.59 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 18.91 | Retail |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 843693 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1416.06 | $1416.06 | 8.750% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 2 | xxxxxx | $1791.72 | xxxxxx | $149.31 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/14/2025 | 696 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | No | No | 8.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.37 | 0.73 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 19.65 |  |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 843694 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1386.56 | $1386.56 | 8.750% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 2 | xxxxxx | $1373.88 | xxxxxx | $114.49 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/11/2024 | 696 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.42 | 0.7 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 113.94 | Retail |  |  | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 843702 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1877.72 | $1877.72 | 8.875% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $3294.36 | xxxxxx | $274.53 | xxxxxx | xxxxxx | $400.00 |  | Annually | 0.000% | 0.000% | 0.000% | 05/12/2025 | 705 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.8 | 1.26 |  |  |  |  |  |  |  | xxxxxx | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 7.35 |  |  |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 843707 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $925.06 | $925.06 | 7.500% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1230.96 | xxxxxx | $102.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/19/2025 | 691 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.8 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.18 | 0.85 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 93.04 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 843710 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3027.57 | $3027.57 | 9.375% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2426.04 | xxxxxx | $202.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/02/2025 | 654 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.3 |  |  |  | N/A | No | 9.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.09 | 0.92 |  |  |  |  |  |  |  | xxxxxx | $432322.80 | 82.340% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 137.31 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 843712 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1058.78 | $1058.78 | 8.375% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1296.96 | xxxxxx | $108.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/17/2025 | 659 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.3 |  |  |  | N/A | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.21 | 0.83 |  |  |  |  |  |  |  | xxxxxx | $5609.20 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 108.24 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 843713 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1440.93 | $1440.93 | 8.250% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1332.00 | xxxxxx | $111.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/21/2025 | 674 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.4 |  |  |  | N/A | No | 8.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 3.11 | 0.32 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 33.25 |  |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 843721 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1471.89 | $1471.89 | 7.875% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1950.00 | xxxxxx | $162.50 | xxxxxx | xxxxxx | $120.00 |  | Annually | 0.000% | 0.000% | 0.000% | 03/31/2025 | 663 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.6 |  |  |  | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.16 | 0.86 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 63.3 |  |  |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 843723 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1678.26 | $1678.26 | 9.250% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $3293.04 | xxxxxx | $274.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/14/2025 | 645 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 9.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | xxxxxx | $19489.60 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 92.64 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 843727 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $6945.00 | $11249.26 |  | 7.667% | $3579.98 | $3579.98 | 7.500% | No | No | Non-Employment Income |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $12097.44 | 1 | xxxxxx | $1859.16 | xxxxxx | $154.93 |  |  |  |  |  | 33.019% | 33.019% | 33.019% | 07/22/2025 | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023 | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $6945.00 |  | 6.610% | $1100.00 | 1 |  |  |  | Yes | No | 7.500% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | xxxxxx | $3697314.84 | 100.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 806.46 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 843739 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2851.41 | $2851.41 | 8.250% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1115.16 | xxxxxx | $92.93 | xxxxxx |  | $4656.00 |  | Annually | 0.000% | 0.000% | 0.000% | 06/18/2025 | 731 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.3 |  |  |  | N/A | No | 8.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.56 | 1.78 |  |  |  |  |  |  | 240 | xxxxxx | $547554.64 | 92.240% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 91.86 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 843744 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4999.36 | $4999.36 | 7.875% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 4 | xxxxxx | $4987.80 | xxxxxx | $415.65 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/18/2025 | 717 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.97 | 1.02 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 12.48 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 843749 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4509.93 | $4509.93 | 7.500% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1645.08 | xxxxxx | $137.09 | xxxxxx |  | $323.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 07/22/2025 | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.45 | 0.69 |  |  |  |  |  |  |  | xxxxxx | $1156849.59 | 100.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 156.46 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 843779 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1987.47 | $1987.47 | 7.125% | No | No |  |  |  |  |  |  | Permanent Resident Alien | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $921.96 | xxxxxx | $76.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/08/2025 | 810 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.2 |  |  |  | No | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.18 | 0.84 |  |  |  |  |  |  |  | xxxxxx | $707252.36 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 158.16 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 843785 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $886.83 | $886.83 | 7.250% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1274.28 | xxxxxx | $106.19 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/17/2025 | 735 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.5 |  |  |  | Yes | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.6 | 0.62 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 93.17 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 843804 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2655.47 | $2655.47 | 6.875% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1862.88 | xxxxxx | $155.24 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/04/2025 | 724 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.92 | 1.08 |  |  |  |  |  |  | 240 | xxxxxx | $181793.10 | 29.410% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 14.72 |  |  | Yes |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 843829 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2046.53 | $2046.53 | 7.250% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 4 | xxxxxx | $2025.48 | xxxxxx | $168.79 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/14/2025 | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.73 | 0.36 |  |  |  |  |  |  |  | xxxxxx | $41548.61 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 14.58 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 843886 | xxxxxx | Exempt from ATR |  | Yes | xxxxxx | Yes | No | $2095.00 | $6471.65 | xxxxxx | 7.315% | $4127.17 | $4127.17 | 7.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $7090.41 | 1 | xxxxxx | $1268.04 | xxxxxx | $105.67 |  |  |  |  |  | 43.630% | 43.630% | 43.630% | 07/22/2025 | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - Year Not Available<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2095.00 | xxxxxx | 6.790% | $0.00 | 3.7 |  |  |  | Yes | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | xxxxxx | $270220.52 | 34.420% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 21.99 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 843893 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $21750.00 | $27159.66 | xxxxxx | 7.541% | $5457.41 | $5457.41 | 7.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $99902.69 | 1 | xxxxxx | $5345.04 | xxxxxx | $445.42 |  |  |  |  |  | 12.778% | 12.778% | 12.778% | 07/29/2025 | 645 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $21750.00 | xxxxxx | 6.750% | $0.00 | 2.8 |  |  |  | No | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 50.44 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 843894 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $4162.75 | $5511.69 | xxxxxx | 8.222% | $1141.98 | $1141.98 | 7.875% | No | No | Non-Employment Income |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $3670.63 | 1 | xxxxxx | $652.20 | xxxxxx | $54.35 | xxxxxx |  | $486.00 |  | Monthly | 42.182% | 42.182% | 42.182% | 08/04/2025 | 753 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - xxxxxx \| Primary Income - Social Security]; Award Letter / Continuance Letter - Year Not Available<br> [Borrower - xxxxxx \| Non-Primary Income - Pension]; Account Statements - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Pension]; 1099-R - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $4162.75 | xxxxxx | 6.750% | $0.00 |  |  |  |  | N/A | No | 7.875% | 0 |  | 1 | 0 | 2 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $236983.07 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 198.88 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 843906 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $12469.00 | $17444.92 | xxxxxx | 7.520% | $6326.58 | $6326.58 | 7.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $74877.22 | 1 | xxxxxx | $2954.04 | xxxxxx | $246.17 | xxxxxx | xxxxxx | $1800.00 |  | Annually | 11.927% | 11.927% | 11.927% | 07/18/2025 | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $12469.00 | xxxxxx | 6.790% | $0.00 | 2.2 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $288006.51 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 38.88 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 843940 | xxxxxx | N/A |  |  | xxxxxx | No | No | $24875.00 | $13379.81 | xxxxxx | 8.466% | $4394.91 | $4394.91 | 8.250% | No | No | Self-Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $138818.01 | 1 | xxxxxx | $4266.12 | xxxxxx | $355.51 |  |  |  |  |  | 14.193% | 14.193% | 14.193% | 06/20/2025 | 693 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $24875.00 | xxxxxx | 6.790% | $0.00 | 2 |  |  |  | Yes | No | 8.250% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $672737.27 | 84.620% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 95.93 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 843960 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $17898.00 | $21248.98 | xxxxxx | 8.200% | $4639.86 | $4639.86 | 7.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $15882.55 | 1 | xxxxxx | $2971.92 | xxxxxx | $247.66 |  |  |  |  |  | 32.361% | 32.361% | 32.361% | 06/10/2025 | 698 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $17898.00 | xxxxxx | 6.790% | $0.00 | 1 |  |  |  | Yes | No | 7.875% | 0 |  | 0 | 0 | 2 | 0 |  |  | 19.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $512525.17 | 64.070% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 55.26 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 843962 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $9468.50 | $14411.05 | xxxxxx | 8.766% | $2148.62 | $2148.62 | 8.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $4863.59 | 1 | xxxxxx | $978.00 | xxxxxx | $81.50 |  |  |  |  |  | 44.936% | 44.936% | 44.936% | 06/13/2025 | 731 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2021 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $9468.50 | xxxxxx | 6.790% | $0.00 | 2.5 |  |  |  | N/A | No | 8.250% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | xxxxxx | $69736.47 | 21.450% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 15.07 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 843973 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $14111.64 | $14111.64 | 7.625% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $4008.96 | xxxxxx | $334.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/15/2025 | 712 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.55 | 1.83 |  |  |  |  |  |  |  | xxxxxx | $77471.74 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 35.89 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 843993 | xxxxxx | N/A |  |  | xxxxxx | No | No | $7510.00 | $8829.39 | xxxxxx | 8.040% | $1472.21 | $1472.21 | 7.625% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $6310.67 | 1 | xxxxxx | $677.16 | xxxxxx | $56.43 | xxxxxx | xxxxxx | $165.00 |  | Monthly | 46.072% | 46.072% | 46.072% | 10/21/2024 | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7510.00 | xxxxxx | 6.780% | $5000.00 | 1.1 | LP / LPA |  | Accept/Eligible | No | No | 7.625% | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $105567.71 | 40.600% | No | 17 |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 22.43 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 844008 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1432.57 | $1432.57 | 7.250% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1197.00 | xxxxxx | $99.75 | xxxxxx |  | $592.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 07/24/2025 | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.91 | 1.09 |  |  |  |  |  |  |  | xxxxxx | $954568.89 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 261.15 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 844034 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $7595.00 | $11093.88 | xxxxxx | 9.590% | $4158.75 | $4158.75 | 9.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $72396.21 | 1 | xxxxxx | $736.80 | xxxxxx | $61.40 | xxxxxx | xxxxxx | $330.00 |  | Monthly | 44.828% | 44.828% | 44.828% | 07/01/2025 | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 48 | Business | 100.000% | 50.000% |  |  | [Borrower - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Non-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 - xxxxxx \| Non-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 - xxxxxx \| Non-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 - xxxxxx \| Non-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 - xxxxxx \| 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 - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7595.00 | xxxxxx | 6.750% | $0.00 |  |  |  |  | N/A | No | 9.375% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $261955.72 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 2.990% | xxxxxx | xxxxxx | $2936.93 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 89.92 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 844044 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1890.61 | $1890.61 | 7.750% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  |  | 2 | xxxxxx | $1883.16 | xxxxxx | $156.93 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/25/2025 | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.07 | 0.94 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 62.93 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 844069 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $6125.43 | $6125.43 | 7.375% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 4 | xxxxxx | $3508.08 | xxxxxx | $292.34 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/11/2025 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.39 | 0.71 |  |  |  |  |  |  |  | xxxxxx | $25000.00 | 2.110% | No |  |  |  |  | Yes | Preliminary | Leasehold | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | Yes | Yes | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 12.58 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 844079 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1982.24 | $1982.24 | 7.375% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $639.00 | xxxxxx | $53.25 | xxxxxx |  | $454.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 07/10/2025 | 709 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 0.99 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 82.36 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 844103 | xxxxxx | N/A |  |  | xxxxxx | No | No | $21618.88 | $23537.92 | xxxxxx | 8.150% | $6452.76 | $6452.76 | 7.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $168765.04 | 1 | xxxxxx | $2610.00 | xxxxxx | $217.50 | xxxxxx | xxxxxx | $463.00 |  | Annually | 22.045% | 22.045% | 22.045% | 07/07/2025 | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2014<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $21618.88 | xxxxxx | 6.610% | $0.00 | 1 |  |  |  | No | No | 7.875% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $166367.24 | 15.880% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 54.34 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 844112 | xxxxxx | Higher Priced QM (APOR) |  |  | xxxxxx | Yes | No | $1495.00 | $2939.20 | xxxxxx | 8.338% | $2027.67 | $2027.67 | 8.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $4985.32 | 1 | xxxxxx | $687.00 | xxxxxx | $57.25 |  |  |  |  |  | 41.543% | 41.543% | 41.543% | 07/28/2025 | 642 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 84.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| Non-Primary Income - VA Service Related Disability]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - VA Service Related Disability]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025 | [Borrower]; 4506-C - 2024 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1495.00 | xxxxxx | 6.750% | $2776.75 | 1 |  |  |  | N/A | No | 8.250% | 0 |  | 0 | 0 | 1 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $121180.06 | 34.630% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 21.69 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 844114 | xxxxxx | N/A |  |  | xxxxxx | No | No | $5719.60 | $8204.60 |  | 7.681% | $1795.76 | $1795.76 | 7.375% | No | No | Not Employed | Employed | Self-Employed |  | 39.58 |  |  | xxxxxx | xxxxxx |  |  |  |  |  | $22771.08 | 1 | xxxxxx | $1416.96 | xxxxxx | $118.08 | xxxxxx | xxxxxx | $340.00 |  | Monthly | 31.092% | 31.092% | 31.092% | 07/01/2025 | 812 | 801 | 834 | 812 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 5-Stated/Verified as defined |  | Level 3-Stated/Verified as defined |  | No | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - C-Corp]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - C-Corp]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - C-Corp]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - C-Corp]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - C-Corp]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - C-Corp]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - C-Corp]; 1120 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - C-Corp]; 4506-C (for Business) - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - C-Corp]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - C-Corp]; 1120 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - C-Corp]; 4506-C (for Business) - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - C-Corp]; W-2 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - C-Corp]; 4506-C (for Business) - 2022 |  | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $5719.60 |  | 6.610% | $750.00 | 1.7 |  |  |  | Yes | No | 7.375% | 0 | 2 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $538736.01 | 100.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Trust | Business Entity | Individual | xxxxxx | Individual | xxxxxx |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 177.06 |  | No | No | xxxxxx | $25462.36 | $7583.33 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 844121 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $6930.96 | $6930.96 | 7.500% | No | No |  |  |  |  |  |  | Foreign National |  |  |  | xxxxxx |  |  |  |  | 1 | xxxxxx | $1541.28 | xxxxxx | $128.44 | xxxxxx |  | $503.00 |  | Monthly | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.5 |  |  |  | Yes | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.76 | 1.3 |  |  |  |  |  |  |  | xxxxxx | $1359395.97 | 89.140% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 85.72 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 844123 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $6740.00 | $7894.77 | xxxxxx | 10.464% | $1755.14 | $1755.14 | 10.000% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  | $65375.31 | 1 | xxxxxx | $4583.04 | xxxxxx | $381.92 |  |  |  |  |  | 15.001% | 15.001% | 15.001% | 07/14/2025 | 709 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2017 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $6740.00 | xxxxxx | 6.610% | $0.00 |  |  |  |  | No | No | 10.000% | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $87875.35 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 3.250% | xxxxxx | xxxxxx | $2384.94 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  | No | 58.06 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 844133 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $5586.25 | $7278.86 |  | 8.671% | $1284.67 | $1284.67 | 8.250% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $5782.09 | 1 | xxxxxx | $1050.00 | xxxxxx | $87.50 | xxxxxx | xxxxxx | $420.00 |  | Annually | 45.546% | 45.546% | 45.546% | 07/30/2025 | 691 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $5586.25 | xxxxxx | 6.750% | $0.00 | 1.6 |  |  |  | N/A | No | 8.250% | 2 |  | 1 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $9287.37 |  | No | 31 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.57 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 844169 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $16664.00 | $21386.14 | xxxxxx | 9.186% | $5696.82 | $5696.82 | 8.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $18119.57 | 1 | xxxxxx | $3095.04 | xxxxxx | $257.92 | xxxxxx |  | $350.00 |  | Monthly | 36.367% | 36.367% | 36.367% | 08/13/2025 | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2021<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2021<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2021 |  | Alternative Documentation (A) | 2yr P&L w/o Bank Statements | Chapter 13 | xxxxxx | xxxxxx | 1 |  | 63.72 |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $16664.00 | xxxxxx | 6.750% | $36208.97 | 1.3 |  |  |  | Yes | No | 8.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 24.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $23876.54 | 2.660% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.49 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 844176 | xxxxxx | Higher Priced QM (APOR) |  |  | xxxxxx | Yes | No | $1935.60 | $4525.64 | xxxxxx | 8.432% | $3724.35 | $3724.35 | 8.375% | No | No | Not Employed | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $11473.90 | 1 | xxxxxx | $1272.96 | xxxxxx | $106.08 | xxxxxx | xxxxxx | $1933.00 |  | Monthly | 43.991% | 43.991% | 43.991% | 07/29/2025 | 675 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 83.000% |  | 100.000% |  | [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| 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 - 2013<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 1979<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2024 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1935.60 | xxxxxx | 6.630% | $0.00 | 1.4 |  |  |  | N/A | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | No |  |  |  | xxxxxx | $653326.63 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Trust | Business Entity | Individual | xxxxxx |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 98.49 |  |  | No | xxxxxx | $20485.93 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 844193 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $11105.00 | $15865.69 | xxxxxx | 8.970% | $3619.06 | $3619.06 | 8.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $7729.85 | 1 | xxxxxx | $1335.96 | xxxxxx | $111.33 | xxxxxx |  | $127.00 |  | Monthly | 45.567% | 45.567% | 45.567% | 06/30/2025 | 687 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $11105.00 | xxxxxx | 6.750% | $23603.40 | 1 |  |  |  | Yes | No | 8.625% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | xxxxxx | $5745.00 | 1.110% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.02 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 844201 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $19990.00 | $24790.97 | xxxxxx | 7.603% | $6630.48 | $6630.48 | 7.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $9943.29 | 1 | xxxxxx | $4251.96 | xxxxxx | $354.33 |  |  |  |  |  | 49.967% | 49.967% | 49.967% | 07/14/2025 | 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2015<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2011 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $19990.00 | xxxxxx | 6.750% | $240000.00 | 4.2 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $124909.19 | 10.400% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 20.7 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 844213 | xxxxxx | N/A |  |  | xxxxxx | No | No | $0.00 | $476.15 | xxxxxx | 7.012% | $997.95 | $997.95 | 7.000% | No | No | Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $9479.51 | 1 | xxxxxx | $2160.84 | xxxxxx | $180.07 | xxxxxx | xxxxxx | $580.00 |  | Monthly | 33.059% | 33.059% | 33.059% | 07/23/2025 | 813 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  | xxxxxx | 6.610% | $0.00 | 1 |  |  |  | Yes | No | 7.000% | 2 | 0 | 2 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $195680.09 | 65.220% | No | 31 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 16.77 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 844222 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1167.24 | $1167.24 | 7.375% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1336.44 | xxxxxx | $111.37 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/20/2025 | 721 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.1 |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.2 | 0.82 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 98.46 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 844231 | xxxxxx | Higher Priced QM (APOR) |  |  | xxxxxx | Yes | No | $1945.00 | $2847.47 |  | 8.671% | $4550.07 | $4550.07 | 8.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $21875.98 | 1 | xxxxxx | $3678.00 | xxxxxx | $306.50 | xxxxxx | xxxxxx | $50.00 |  | Monthly | 24.250% | 24.250% | 24.250% | 07/28/2025 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2019<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2019 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $1945.00 |  | 6.610% | $33000.00 | 1 |  |  |  | Yes | No | 8.625% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $73475.27 | 11.300% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.11 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 844261 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $2657.50 | $3478.12 | xxxxxx | 7.954% | $3081.54 | $3081.54 | 7.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $9344.52 | 1 | xxxxxx | $3501.96 | xxxxxx | $291.83 |  |  |  |  |  | 32.488% | 32.488% | 32.488% | 07/08/2025 | 726 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021 | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2657.50 | xxxxxx | 6.750% | $0.00 | 2.6 |  |  |  | No | No | 7.875% | 0 |  | 0 | 0 | 4 | 0 |  |  | 12.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 61.41 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 844267 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3936.41 | $3936.41 | 7.625% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 3 | xxxxxx | $4139.04 | xxxxxx | $344.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/28/2025 | 685 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.46 | 0.68 |  |  |  |  |  |  | 240 | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 33.93 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 844270 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $9592.16 | $12462.76 | xxxxxx | 7.940% | $2463.12 | $2463.12 | 7.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $10586.41 | 1 | xxxxxx | $2964.00 | xxxxxx | $247.00 |  |  |  |  |  | 21.514% | 21.514% | 21.514% | 06/20/2025 | 711 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $9592.16 | xxxxxx | 6.750% | $0.00 | 3.8 |  |  |  | No | No | 7.625% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $18398.42 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 31.16 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 844285 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $707.40 | $707.40 | 7.125% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $915.96 | xxxxxx | $76.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/14/2025 | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.1 |  |  |  | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.73 | 0.57 |  |  |  |  |  |  |  | xxxxxx | $119267.87 | 68.150% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 36.1 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 844357 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $39600.00 | $42707.50 | xxxxxx | 7.661% | $18459.26 | $18459.26 | 7.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $363119.38 | 1 | xxxxxx | $7265.16 | xxxxxx | $605.43 | xxxxxx | xxxxxx | $365.00 |  | Monthly | 8.822% | 8.822% | 8.822% | 07/28/2025 | 682 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2020<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $39600.00 | xxxxxx | 6.750% | $0.00 |  |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $42344.99 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 35.8 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 844370 | xxxxxx | N/A |  |  | xxxxxx | No | No | $23056.50 | $9494.06 | xxxxxx | 7.553% | $3777.99 | $3777.99 | 7.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $14629.58 | 1 | xxxxxx | $2682.00 | xxxxxx | $223.50 |  |  |  |  |  | 47.551% | 47.551% | 47.551% | 07/03/2025 | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $23056.50 | xxxxxx | 6.670% | $0.00 | 1.5 |  |  |  | Yes | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 18.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $24418.05 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 6.89 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 844399 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2900.84 | $2900.84 | 7.375% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $4819.92 | xxxxxx | $401.66 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/09/2025 | 753 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.15 | 0.86 |  |  |  |  |  |  |  | xxxxxx | $232026.76 | 38.670% | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 4.4 |  |  | No | xxxxxx | $0.00 | $0.00 | 1 | 0 | 0 | 1 | 0 | 0 | 1 | 0 | 0 | 1 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 844418 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1077.80 | $1077.80 | 7.000% | No | No |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  |  | 1 | xxxxxx | $794.04 | xxxxxx | $66.17 | xxxxxx |  | $400.00 |  | Annually | 0.000% | 0.000% | 0.000% | 06/28/2025 | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.9 |  |  |  | N/A | No | 7.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.34 | 0.74 |  |  |  |  |  |  |  | xxxxxx | $140997.74 | 52.220% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.56 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 844441 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $1598.00 | $2256.97 |  | 6.151% | $4605.69 | $4605.69 | 6.125% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $9321.55 | 1 | xxxxxx | $5008.32 | xxxxxx | $417.36 | xxxxxx | xxxxxx | $150.00 |  | Monthly | 48.294% | 48.294% | 48.294% | 09/06/2024 | 695 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2022 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1598.00 |  | 6.040% | $0.00 | 4.9 | DU |  | ApproveEligible | No | No | 6.125% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $32381.39 |  | No | 26 |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.23 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 844444 | xxxxxx | N/A |  |  | xxxxxx | No | No | $14510.00 | $3984.10 | xxxxxx | 8.449% | $3222.71 | $3222.71 | 8.375% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $14264.41 | 2 | xxxxxx | $1915.32 | xxxxxx | $159.61 |  |  |  |  |  | 30.477% | 30.477% | 30.477% | 07/15/2025 | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Account Statements - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; Restricted Stock Agreement - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; Account Statements - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; Restricted Stock Agreement - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $14510.00 | xxxxxx | 6.750% | $0.00 |  |  |  |  | N/A | No | 8.375% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $193557.61 | 36.520% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 21.54 |  | No | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 844453 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2097.44 | $2097.44 | 7.499% | No | No |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1341.96 | xxxxxx | $111.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/12/2025 | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.6 |  |  |  | N/A | No | 7.499% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.98 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 124.74 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No | Property Focused |
| xxxxxx | 844455 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $758.05 | $758.05 | 7.625% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2235.00 | xxxxxx | $186.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/12/2025 | 667 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.43 | 0.69 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 59.49 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 844458 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1178.24 | $1178.24 | 7.875% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1472.16 | xxxxxx | $122.68 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/21/2025 | 682 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.6 |  |  |  | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.2 | 0.83 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 32.65 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 844459 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1986.58 | $1986.58 | 7.624% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 4 | xxxxxx | $1257.96 | xxxxxx | $104.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/16/2025 | 671 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.624% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.78 | 0.55 |  |  |  |  |  |  |  | xxxxxx | $17.75 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | Yes |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 37.7 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 844461 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $14290.00 | $15673.62 | xxxxxx | 7.669% | $2592.02 | $2592.02 | 7.249% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $7733.44 | 1 | xxxxxx | $1926.72 | xxxxxx | $160.56 | xxxxxx | xxxxxx | $552.00 |  | Monthly | 36.120% | 36.120% | 36.120% | 05/01/2025 | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Audited P&L - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Audited P&L - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $14290.00 | xxxxxx | 6.880% | $0.00 | 1.3 |  |  |  | N/A | No | 7.249% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 844462 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4133.00 | $4133.00 | 7.375% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1286.64 | xxxxxx | $107.22 | xxxxxx | xxxxxx | $275.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 05/21/2025 | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR | Chapter 7 |  | xxxxxx | 1 | 186.24 |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.1 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.41 | 0.7 |  |  |  |  |  |  |  | xxxxxx | $174575.37 | 23.330% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.81 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 844465 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3592.28 | $3592.28 | 6.999% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $3585.00 | xxxxxx | $298.75 | xxxxxx | xxxxxx | $160.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 05/19/2025 | 686 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.5 |  |  |  | N/A | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.89 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 45.59 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 844467 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1181.85 | $1181.85 | 6.499% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1170.00 | xxxxxx | $97.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/28/2025 | 715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 3.6 |  |  |  | N/A | No | 6.499% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 0.99 |  |  |  |  |  |  |  | xxxxxx | $159776.35 | 66.570% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 58.68 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 844468 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $796.33 | $796.33 | 6.499% | No | No |  |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | 1 | xxxxxx | $840.96 | xxxxxx | $70.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/20/2025 | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.499% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.6 | 0.62 |  |  |  |  |  |  |  | xxxxxx | $156990.12 | 87.210% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 71.81 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 844469 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $632.01 | $632.01 | 6.499% | No | No |  |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | 1 | xxxxxx | $978.96 | xxxxxx | $81.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/20/2025 | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.499% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.71 | 0.58 |  |  |  |  |  |  |  | xxxxxx | $156990.12 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 104.14 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 844472 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2115.01 | $2115.01 | 8.624% | No | No |  |  |  |  |  |  | Foreign National |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2403.00 | xxxxxx | $200.25 | xxxxxx | xxxxxx | $965.00 |  | Annually | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.8 |  |  |  | N/A | No | 8.624% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.87 | 1.13 |  |  |  |  |  |  |  | xxxxxx | $293647.30 | 75.290% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 48.84 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No | Property Focused |
| xxxxxx | 844473 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2221.02 | $2221.02 | 9.124% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $905.04 | xxxxxx | $75.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/10/2025 | 675 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 9.124% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.73 | 1.36 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 11.15 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 844474 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2454.01 | $2454.01 | 7.499% | No | No |  |  |  |  | 0 |  |  | Foreign National | Foreign National |  |  |  |  |  |  | 1 | xxxxxx | $1322.04 | xxxxxx | $110.17 | xxxxxx | xxxxxx | $1118.00 |  | Annually | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.499% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.79 | 1.25 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 44.72 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | Yes | No | Property Focused |
| xxxxxx | 844475 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3751.88 | $3751.88 | 7.874% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1188.00 | xxxxxx | $99.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/24/2025 | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.9 |  |  |  | N/A | No | 7.874% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.6 | 1.64 |  |  |  |  |  |  |  | xxxxxx | $303399.35 | 41.840% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 23.37 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 844477 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3546.27 | $3546.27 | 7.374% | No | No |  |  |  |  |  |  | Foreign National |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2085.00 | xxxxxx | $173.75 | xxxxxx | xxxxxx | $1135.58 |  | Monthly | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.3 |  |  |  | N/A | No | 7.374% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.72 | 1.38 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 8.91 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No | Property Focused |
| xxxxxx | 844478 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1232.12 | $1232.12 | 7.749% | No | No |  |  |  |  | 0 | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  | 1 | xxxxxx | $1764.96 | xxxxxx | $147.08 | xxxxxx | xxxxxx | $500.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 06/17/2025 | 729 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified | Level 2-Stated/Not Verified |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.749% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.84 | 1.18 |  |  |  |  |  |  |  | xxxxxx | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  | No | 77.72 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 844479 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2477.45 | $2477.45 | 6.490% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $4311.00 | xxxxxx | $359.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/02/2025 | 705 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.490% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.98 | 1.01 |  |  |  |  |  |  |  | xxxxxx | $10000.00 | 2.040% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 26.65 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 844480 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1636.90 | $1636.90 | 6.874% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2192.16 | xxxxxx | $182.68 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/25/2025 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.7 |  |  |  | N/A | No | 6.874% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.92 | 1.07 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 10 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 844487 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3655.71 | $3655.71 | 6.749% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1746.96 | xxxxxx | $145.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/12/2025 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.749% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.94 |  |  |  |  |  |  | 240 | xxxxxx | $480203.46 | 50.540% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 36.97 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 844489 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $786.54 | $786.54 | 7.499% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $576.00 | xxxxxx | $48.00 | xxxxxx | xxxxxx | $282.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 06/22/2025 | 795 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 999 |  |  |  | N/A | No | 7.499% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.3 | 0.76 |  |  |  |  |  |  |  | xxxxxx | $69839.19 | 46.550% | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 17.29 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 844490 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1114.67 | $1114.67 | 7.624% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1700.04 | xxxxxx | $141.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/04/2025 | 691 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.624% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.32 | 0.75 |  |  |  |  |  |  |  | xxxxxx | $77502.80 | 34.440% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 19.14 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 844497 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $852.60 | $852.60 | 7.874% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2870.76 | xxxxxx | $239.23 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/07/2025 | 670 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 2 |  |  |  | N/A | No | 7.874% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.24 | 0.8 |  |  |  |  |  |  |  | xxxxxx | $34289.18 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 113.2 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 844498 | xxxxxx | N/A |  |  | xxxxxx | No | No | $67531.60 | $21628.03 | xxxxxx | 7.865% | $6587.15 | $6587.15 | 7.624% | No | No | Not Employed | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $296773.99 | 1 | xxxxxx | $5883.84 | xxxxxx | $490.32 | xxxxxx | xxxxxx | $50.00 |  | Annually | 12.110% | 12.110% | 12.110% | 06/18/2025 | 731 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| 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) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $67531.60 | xxxxxx | 6.750% | $0.00 | 4.9 |  |  |  | N/A | No | 7.624% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $10500.00 | 0.950% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 35.93 |  | No | No | xxxxxx | $337665.55 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 844500 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2796.96 | $2796.96 | 7.374% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1112.16 | xxxxxx | $92.68 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/18/2025 | 708 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.7 |  |  |  | N/A | No | 7.374% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.86 | 1.15 |  |  |  |  |  |  |  | xxxxxx | $867268.58 | 100.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 206.48 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 844509 | xxxxxx | N/A |  |  | xxxxxx | No | No | $36215.00 | $6846.99 | xxxxxx | 7.910% | $8320.17 | $8320.17 | 7.875% | No | No | Not Employed | Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $34801.28 | 1 | xxxxxx | $7440.00 | xxxxxx | $620.00 |  |  |  |  |  | 39.164% | 39.164% | 39.164% | 07/31/2025 | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Tax Return Extension - 2023<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Tax Return Extension - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $36215.00 | xxxxxx | 6.570% | $40500.00 | 1.4 |  |  |  | No | No | 7.875% | 0 | 2 | 2 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $2180629.00 | 100.000% | No |  | 21 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 231.9 |  | No | Yes | xxxxxx | $0.00 | $30000.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 844513 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1790.71 | $1790.71 | 7.250% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $794.04 | xxxxxx | $66.17 | xxxxxx |  | $240.00 |  | Annually | 0.000% | 0.000% | 0.000% | 07/09/2025 | 795 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 4 |  |  |  | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.84 | 0.54 |  |  |  |  |  |  |  | xxxxxx | $424778.07 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Foreign Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 158.95 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 844516 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $1857.32 | $4997.72 | xxxxxx | 7.167% | $4123.16 | $4123.16 | 7.125% | No | No | Self-Employed | Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $12675.02 | 1 | xxxxxx | $1434.96 | xxxxxx | $119.58 |  |  |  |  |  | 38.568% | 38.568% | 38.568% | 06/16/2025 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 68.000% | 50.000% |  |  | [Borrower - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2010<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1857.32 | xxxxxx | 6.750% | $0.00 | 2 |  |  |  | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $708768.40 | 79.630% | No |  | 28 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 83.06 |  |  | No | xxxxxx | $0.00 | $6671.60 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 844521 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $15200.00 | $5788.00 |  | 9.094% | $4023.11 | $4023.11 | 9.000% | No | No | Self-Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $59559.02 | 1 | xxxxxx | $3096.12 | xxxxxx | $258.01 |  |  |  |  |  | 14.154% | 14.154% | 14.154% | 07/08/2025 | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2021 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $15200.00 |  | 6.630% | $0.00 | 2 |  |  |  | No | No | 9.000% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $43598.73 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  | 1 | xxxxxx | 3.750% | xxxxxx | xxxxxx | $3195.50 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 64.1 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 844527 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $2583.73 | $4404.34 | xxxxxx | 8.132% | $1757.73 | $1757.73 | 8.000% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $9580.50 | 1 | xxxxxx | $2765.16 | xxxxxx | $230.43 |  |  |  |  |  | 42.302% | 42.302% | 42.302% | 06/30/2025 | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Account Statements - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Account Statements - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2583.73 | xxxxxx | 6.750% | $0.00 | 3.3 |  |  |  | No | No | 8.000% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $497273.59 | 53.180% | No | 30 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 2.375% | xxxxxx | xxxxxx | $1760.59 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 23.35 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 844528 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2913.41 | $2913.41 | 6.625% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 2 | xxxxxx | $2763.96 | xxxxxx | $230.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/10/2025 | 710 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.31 | 0.76 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 120.39 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 844530 | xxxxxx | N/A |  |  | xxxxxx | No | No | $12289.38 | $8049.33 | xxxxxx | 8.040% | $1321.80 | $1321.80 | 7.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $20781.22 | 1 | xxxxxx | $1511.40 | xxxxxx | $125.95 |  |  |  |  |  | 35.555% | 35.555% | 35.555% | 07/08/2025 | 702 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| 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 - xxxxxx \| 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 - 2006 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $12289.38 | xxxxxx | 6.750% | $0.00 | 1 |  |  |  | No | No | 7.625% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $30634.73 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 119.73 |  | No | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 844555 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2693.63 | $2693.63 | 7.375% | No | No |  |  |  |  | 0 |  | xxxxxx | Permanent Resident Alien | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $789.60 | xxxxxx | $65.80 | xxxxxx |  | $2940.00 |  | Annually | 0.000% | 0.000% | 0.000% | 07/24/2025 | 794 | 793 | 812 | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.4 |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.93 | 1.06 |  |  |  |  |  |  |  | xxxxxx | $243118.01 | 40.510% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 6.46 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 844580 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $9653.98 | $12764.47 | xxxxxx | 8.231% | $1801.78 | $1801.78 | 7.750% | No | No | Employed | Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $10604.00 | 1 | xxxxxx | $1666.08 | xxxxxx | $138.84 |  |  |  |  |  | 36.680% | 36.680% | 36.680% | 07/08/2025 | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $9653.98 | xxxxxx | 6.610% | $0.00 | 2.1 |  |  |  | No | No | 7.750% | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $77998.17 |  | No |  | 222 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  | 1 | xxxxxx | 2.875% | xxxxxx | xxxxxx | $2117.61 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 66.57 |  |  | No | xxxxxx | $0.00 | $8003.09 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 844586 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $1990.00 | $6546.65 | xxxxxx | 8.571% | $4484.30 | $4484.30 | 8.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $12050.83 | 1 | xxxxxx | $3328.68 | xxxxxx | $277.39 |  |  |  |  |  | 45.215% | 45.215% | 45.215% | 05/09/2025 | 730 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 | No | xxxxxx | xxxxxx | $1990.00 | xxxxxx | 6.750% | $0.00 | 3.5 |  |  |  | Yes | No | 8.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $43081.54 | 5.900% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.23 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 1 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 844605 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $1740.00 | $4055.57 | xxxxxx | 8.065% | $1355.88 | $1355.88 | 7.875% | No | No | Not Employed | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $3662.88 | 1 | xxxxxx | $2188.56 | xxxxxx | $182.38 | xxxxxx | xxxxxx | $150.00 |  | Monthly | 49.786% | 49.786% | 49.786% | 06/09/2025 | 816 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Social Security]; 1099-SSA - 2024<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Social Security]; 1099-SSA - 2023 |  | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1740.00 | xxxxxx | 6.920% | $0.00 |  |  |  |  | N/A | No | 7.875% | 0 | 2 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx |  |  | No |  | 29 |  |  | Yes | Preliminary | Fee Simple | Trust | Business Entity | Individual | xxxxxx |  |  |  |  | 1 | xxxxxx | 2.750% | xxxxxx | xxxxxx | $1355.36 | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 51.32 |  |  | No | xxxxxx | $3481.20 | $3813.33 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 844607 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $8959.00 | $19734.00 | xxxxxx | 7.722% | $6041.21 | $6041.21 | 7.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $26647.97 | 1 | xxxxxx | $4422.00 | xxxxxx | $368.50 | xxxxxx | xxxxxx | $1650.00 |  | Annually | 30.501% | 30.501% | 30.501% | 07/31/2025 | 740 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| 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<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $8959.00 | xxxxxx | 6.630% | $0.00 | 1.5 |  |  |  | No | No | 7.500% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $99.68 |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 15.44 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 844608 | xxxxxx | Higher Priced QM (APOR) |  |  | xxxxxx | Yes | No | $15774.01 | $4045.53 | xxxxxx | 8.681% | $5670.09 | $5670.09 | 8.625% | No | No | Not Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $25888.92 | 1 | xxxxxx | $3902.04 | xxxxxx | $325.17 | xxxxxx | xxxxxx | $750.00 |  | Annually | 29.421% | 29.421% | 29.421% | 07/17/2025 | 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $15774.01 | xxxxxx | 6.790% | $0.00 | 1.7 |  |  |  | Yes | No | 8.625% | 0 | 0 | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $26867.09 | 3.310% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 15.02 |  | No | No | xxxxxx | $36680.77 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 844628 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $6512.00 | $7154.60 | xxxxxx | 8.037% | $1851.21 | $1851.21 | 7.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $6453.29 | 1 | xxxxxx | $1883.16 | xxxxxx | $156.93 |  |  |  |  |  | 41.089% | 41.089% | 41.089% | 07/15/2025 | 720 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $6512.00 | xxxxxx | 6.790% | $6000.00 | 3 |  |  |  | No | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $77796.01 | 24.080% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.66 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 844650 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1010.58 | $1010.58 | 7.125% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $787.56 | xxxxxx | $65.63 | xxxxxx |  | $298.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 06/18/2025 | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.41 | 0.71 |  |  |  |  |  |  |  | xxxxxx | $1284.08 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 64.15 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 844655 | xxxxxx | N/A |  |  | xxxxxx | No | No | $16059.00 | $6969.01 | xxxxxx | 7.706% | $2359.85 | $2359.85 | 7.500% | No | No | Non-Employment Income |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $20519.89 | 2 | xxxxxx | $2570.16 | xxxxxx | $214.18 |  |  |  |  |  | 36.492% | 36.492% | 36.492% | 07/28/2025 | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $16059.00 | xxxxxx | 6.750% | $10000.00 |  |  |  |  | No | No | 7.500% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | xxxxxx | $3952608.26 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1083.67 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 844659 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $15375.00 | $27313.25 |  | 7.903% | $9478.13 | $9478.13 | 7.750% | No | No | Self-Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $27518.65 | 1 | xxxxxx | $2655.00 | xxxxxx | $221.25 |  |  |  |  |  | 33.410% | 33.410% | 33.410% | 08/01/2025 | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 36 | Business | 100.000% | 100.000% | 50.000% |  | [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - Year Not Available<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - Year Not Available<br> [Coborrower(s) - xxxxxx \| 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> [Coborrower(s) - xxxxxx \| 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> [Coborrower(s) - xxxxxx \| 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> [Coborrower(s) - xxxxxx \| 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> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| 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> [Coborrower(s) - xxxxxx \| 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> [Coborrower(s) - xxxxxx \| 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> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $15375.00 |  | 6.570% | $43490.00 |  |  |  |  | Yes | No | 7.750% | 0 | 0 | 2 | 0 | 2 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | xxxxxx | $363104.26 | 24.700% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 33.77 |  |  | No | xxxxxx | $12696.64 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 844682 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $9205.00 | $10742.20 | xxxxxx | 7.104% | $2956.18 | $2956.18 | 6.875% | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $5191.98 | 1 | xxxxxx | $1767.48 | xxxxxx | $147.29 | xxxxxx | xxxxxx | $275.00 |  | Monthly | 47.811% | 47.811% | 47.811% | 08/05/2025 | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025 |  | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $9205.00 | xxxxxx | 6.630% | $0.00 |  |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $11910.23 |  | No | 31 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | No | 1.71 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 844689 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $1790.00 | $3120.90 | xxxxxx | 7.977% | $1903.31 | $1903.31 | 7.875% | No | No | Not Employed | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $5701.48 | 1 | xxxxxx | $2318.28 | xxxxxx | $193.19 |  |  |  |  |  | 49.028% | 49.028% | 49.028% | 07/07/2025 | 718 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 71.000% |  | 100.000% |  | [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| 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) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2004<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| 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> [Coborrower(s) - xxxxxx \| 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> [Coborrower(s) - xxxxxx \| 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) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2004<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2024 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1790.00 | xxxxxx | 6.750% | $0.00 | 3.3 |  |  |  | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Trust | Business Entity | Individual | xxxxxx |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 10.17 |  | No | No | xxxxxx | $11185.57 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 844711 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3233.85 | $3233.85 | 7.125% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1817.04 | xxxxxx | $151.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/09/2025 | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.89 |  |  |  |  |  |  |  | xxxxxx | $374639.66 | 46.820% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 12.24 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 844763 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $7615.00 | $9264.44 | xxxxxx | 7.531% | $3453.38 | $3453.38 | 7.375% | No | No | Non-Employment Income | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $4725.94 | 1 | xxxxxx | $1095.00 | xxxxxx | $91.25 |  |  |  |  |  | 48.355% | 48.355% | 48.355% | 08/05/2025 | 816 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - xxxxxx \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - xxxxxx \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - xxxxxx \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7615.00 | xxxxxx | 6.610% | $0.00 | 1 |  |  |  | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | xxxxxx | $1516063.26 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 269.26 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 844771 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2620.31 | $2620.31 | 9.125% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1959.00 | xxxxxx | $163.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/10/2025 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 9.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.67 | 1.5 |  |  |  |  |  |  |  | xxxxxx | $147121.14 | 34.260% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.04 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 844812 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $7499.70 | $8106.62 | xxxxxx | 8.828% | $1482.14 | $1482.14 | 8.375% | No | No | Not Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $13929.31 | 1 | xxxxxx | $2330.04 | xxxxxx | $194.17 |  |  |  |  |  | 33.513% | 33.513% | 33.513% | 08/05/2025 | 725 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - xxxxxx \| 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) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7499.70 | xxxxxx | 6.750% | $0.00 |  |  |  |  | N/A | No | 8.375% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $2234.81 |  | No |  |  |  |  | Yes | Title Search | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  | 1 | xxxxxx | 2.875% | xxxxxx | xxxxxx | $2016.38 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 12.23 |  | No | No | xxxxxx | $20950.43 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 844837 | xxxxxx | Higher Priced QM (APOR) |  |  | xxxxxx | Yes | No | $2460.00 | $5698.54 | xxxxxx | 8.933% | $5919.60 | $5919.60 | 8.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $82491.54 | 1 | xxxxxx | $1024.68 | xxxxxx | $85.39 | xxxxxx | xxxxxx | $600.00 |  | Annually | 12.376% | 12.376% | 12.376% | 08/11/2025 | 649 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| 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 - xxxxxx \| 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> [Borrower - xxxxxx \| 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> [Borrower - xxxxxx \| 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> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2460.00 | xxxxxx | 6.750% | $0.00 | 2.9 |  |  |  | No | No | 8.875% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $29305.11 | 3.150% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 24.64 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 844841 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $6395.00 | $11353.41 | xxxxxx | 7.542% | $16193.81 | $16193.81 | 7.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $28928.77 | 1 | xxxxxx | $1979.52 | xxxxxx | $164.96 |  |  |  |  |  | 40.217% | 40.217% | 40.217% | 07/26/2025 | 709 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 40.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $6395.00 | xxxxxx | 6.610% | $0.00 | 3.7 |  |  |  | No | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.78 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 844846 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2873.77 | $2873.77 | 7.500% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2653.20 | xxxxxx | $221.10 | xxxxxx |  | $160.00 |  | Annually | 0.000% | 0.000% | 0.000% | 07/16/2025 | 812 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.61 | 1.62 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 111.63 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 844871 | xxxxxx | N/A |  |  | xxxxxx | No | No | $3302.00 | $4859.70 | xxxxxx | 7.387% | $2062.90 | $2062.90 | 7.250% | No | No | Not Employed | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $8666.29 | 1 | xxxxxx | $2537.04 | xxxxxx | $211.42 | xxxxxx | xxxxxx | $800.00 |  | Annually | 33.696% | 33.696% | 33.696% | 07/18/2025 | 812 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2023 |  | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $3302.00 | xxxxxx | 6.750% | $11000.00 | 2.1 |  |  |  | No | No | 7.250% | 0 | 2 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $250564.78 | 66.280% | No |  | 48 |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 86.81 |  | No | No | xxxxxx | $0.00 | $11975.24 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 844877 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $17465.00 | $20090.64 | xxxxxx | 9.464% | $8226.75 | $8226.75 | 9.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $66088.50 | 1 | xxxxxx | $1941.00 | xxxxxx | $161.75 | xxxxxx | xxxxxx | $80.00 |  | Monthly | 15.994% | 15.994% | 15.994% | 08/04/2025 | 704 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2021<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $17465.00 | xxxxxx | 6.750% | $0.00 |  |  |  |  | N/A | No | 9.250% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $193893.25 | 17.110% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 17.79 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 844889 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $23939.00 | $30983.50 | xxxxxx | 7.253% | $4992.66 | $4992.66 | 6.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $15890.92 | 1 | xxxxxx | $2347.32 | xxxxxx | $195.61 |  |  |  |  |  | 46.703% | 46.703% | 46.703% | 07/02/2025 | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025 |  | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $23939.00 | xxxxxx | 6.630% | $0.00 | 1.1 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $176243.62 | 18.550% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 24.42 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 844911 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $7640.05 | $3003.94 | xxxxxx | 9.054% | $1686.77 | $1686.77 | 8.875% | No | No | Employed | Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $10047.47 | 1 | xxxxxx | $1592.04 | xxxxxx | $132.67 |  |  |  |  |  | 46.058% | 46.058% | 46.058% | 07/29/2025 | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Employer Letter - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7640.05 | xxxxxx | 6.750% | $0.00 | 3.1 |  |  |  | No | No | 8.875% | 1 | 2 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  | 1 | xxxxxx | 4.625% | xxxxxx | xxxxxx | $3619.54 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 28.05 |  |  | No | xxxxxx | $0.00 | $7793.16 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 844912 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $1804.00 | $2856.35 | xxxxxx | 7.695% | $2463.12 | $2463.12 | 7.625% | No | No | Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $19964.66 | 1 | xxxxxx | $1728.24 | xxxxxx | $144.02 | xxxxxx | xxxxxx | $17960.00 |  | Annually | 40.183% | 40.183% | 40.183% | 06/06/2025 | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Other - 2019<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Other - 2019<br> [Coborrower(s) - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Other - Year Not Available<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; Other - 2023<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; Other - 2023<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; Other - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1804.00 | xxxxxx | 6.750% | $0.00 | 1 |  |  |  | Yes | No | 7.625% | 1 | 2 | 2 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $763700.87 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 151.66 |  | No | No | xxxxxx | $19607.16 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 844916 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3091.64 | $3091.64 | 7.625% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $3828.00 | xxxxxx | $319.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/07/2025 | 710 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.6 |  |  |  | Yes | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.84 | 1.18 |  |  |  |  |  |  |  | xxxxxx | $318082.87 | 50.970% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 79.19 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 844931 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $19321.24 | $23385.59 | xxxxxx | 7.144% | $8879.47 | $8879.47 | 6.990% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $31119.26 | 1 | xxxxxx | $1934.76 | xxxxxx | $161.23 | xxxxxx | xxxxxx | $395.00 |  | Annually | 34.757% | 34.757% | 34.757% | 08/13/2025 | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 77.500% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 77.50% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 77.50% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 77.50% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 77.50% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 77.50% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 77.50% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 77.50% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 77.50% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 77.50% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 77.50% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 77.50% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 77.50% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 77.50% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 77.50% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 77.50% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $19321.24 | xxxxxx | 6.750% | $0.00 | 1.8 |  |  |  | N/A | No | 6.990% | 0 |  | 0 | 0 | 0 | 0 | 12 |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $918680.20 | 55.010% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 54.82 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 844944 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $6087.52 | $6087.52 | 7.000% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2326.92 | xxxxxx | $193.91 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/11/2025 | 747 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.92 | 1.08 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 36.59 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 844968 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $12746.31 | $18558.99 | xxxxxx | 7.372% | $8016.46 | $8016.46 | 7.250% | No | No | Not Employed | Non-Employment Income |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  | $30288.42 | 1 | xxxxxx | $3219.96 | xxxxxx | $268.33 |  |  |  |  |  | 24.457% | 24.457% | 24.457% | 06/26/2025 | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Asset Depletion]; Account Statements - 2025 |  | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $12746.31 | xxxxxx | 6.750% | $0.00 | 1 |  |  |  | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  | Other | Not Stated |  |  |  | xxxxxx | $3436808.81 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Trust | Business Entity | Individual | xxxxxx |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | Resident Alien Card |  |  | No | 454.52 |  |  | No | xxxxxx | $40094.38 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 845015 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $5042.40 | $5042.40 | 8.875% | No | No |  |  |  |  | 0 |  |  | xxxxxx | N/A |  |  |  |  |  |  | 1 | xxxxxx | $1393.32 | xxxxxx | $116.11 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/20/2025 | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 1-Not Stated/Not Verified |  | Level 1-Not Stated/Not Verified |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 8.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.5 | 2.01 |  |  |  |  |  |  |  | xxxxxx | $309957.92 | 36.680% | No |  |  |  |  | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 11.77 |  |  |  | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 845102 | xxxxxx | N/A |  | Yes | xxxxxx | No | No | $36440.00 | $22707.50 | xxxxxx | 8.196% | $2831.17 | $2831.17 | 7.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $40521.42 | 1 | xxxxxx | $1296.96 | xxxxxx | $108.08 | xxxxxx | xxxxxx | $250.00 |  | Monthly | 19.199% | 19.199% | 19.199% | 06/11/2025 | 717 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2008<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2008 |  | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $36440.00 | xxxxxx | 6.770% | $0.00 | 1 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 107.2 |  | No | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 845119 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $946.58 | $946.58 | 7.875% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $597.96 | xxxxxx | $49.83 | xxxxxx | xxxxxx | $370.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 07/10/2025 | 684 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 999 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | xxxxxx | $112192.12 | 64.100% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 33.61 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 845139 | xxxxxx | Higher Priced QM (APOR) |  |  | xxxxxx | Yes | No | $6717.16 | $8940.49 | xxxxxx | 8.565% | $9349.99 | $9349.99 | 8.500% | No | No | Not Employed | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $16337.37 | 1 | xxxxxx | $3900.00 | xxxxxx | $325.00 |  |  |  |  |  | 41.507% | 41.507% | 41.507% | 07/24/2025 | 715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 60.000% |  | [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 60.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 60.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 60.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 60.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 60.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - Year Not Available |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $6717.16 | xxxxxx | 6.630% | $0.00 | 2.7 |  |  |  | No | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $13289.20 |  | No |  |  |  |  | Yes | Final | Fee Simple | Trust | Business Entity | Individual | xxxxxx |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 3.85 |  |  | No | xxxxxx | $27930.63 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 845141 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $11928.44 | $17296.24 | xxxxxx | 9.591% | $3869.66 | $3869.66 | 9.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $14111.28 | 1 | xxxxxx | $1085.04 | xxxxxx | $90.42 | xxxxxx | xxxxxx | $250.00 |  | Monthly | 49.667% | 49.667% | 49.667% | 08/07/2025 | 724 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 21.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 21.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 21.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 21.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 21.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 21.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 21.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 21.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 21.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - Year Not Available<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 21.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - Year Not Available<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 21.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $11928.44 | xxxxxx | 6.750% | $0.00 |  |  |  |  | N/A | No | 9.250% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $441.93 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 5.750% | xxxxxx | xxxxxx | $5580.42 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 39.63 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 845147 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $5231.38 | $5836.01 | xxxxxx | 8.783% | $1170.51 | $1170.51 | 8.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $9760.65 | 1 | xxxxxx | $1996.08 | xxxxxx | $166.34 |  |  |  |  |  | 34.928% | 34.928% | 34.928% | 08/06/2025 | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 18.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 18.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 18.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 18.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 18.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 18.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 18.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 18.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 18.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 18.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - Year Not Available<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 18.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $5231.38 | xxxxxx | 6.750% | $0.00 |  |  |  |  | N/A | No | 8.375% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | xxxxxx | $2337.59 |  | No |  |  |  |  | Yes | Title Search | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 2.640% | xxxxxx | xxxxxx | $2064.51 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 21.44 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 845149 | xxxxxx | N/A |  |  | xxxxxx | No | No | $4500.00 | $4785.01 | xxxxxx | 7.429% | $1800.95 | $1800.95 | 7.250% | No | No | Not Employed | Employed | Employed |  | 0.89 |  |  | xxxxxx | xxxxxx |  |  |  |  |  | $19368.66 | 1 | xxxxxx | $1140.96 | xxxxxx | $95.08 |  |  |  |  |  | 30.845% | 30.845% | 30.845% | 08/07/2025 | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 5-Stated/Verified as defined |  | Level 3-Stated/Verified as defined |  | No | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - Year Not Available<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - Year Not Available |  | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $4500.00 | xxxxxx | 6.750% | $0.00 | 4.5 |  |  |  | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $734951.24 | 100.000% | No |  | 4 | 10 |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 302.57 |  | No | No | xxxxxx | $0.00 | $28007.64 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 845160 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4125.37 | $4125.37 | 7.500% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 4 | xxxxxx | $3018.96 | xxxxxx | $251.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/30/2025 | 687 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.42 | 0.7 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 14.77 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 845186 | xxxxxx | N/A |  |  | xxxxxx | No | No | $19292.00 | $1932.64 | xxxxxx | 7.683% | $2123.03 | $2123.03 | 7.625% | No | No | Self-Employed | Employed |  |  |  |  | Non-Permanent Resident Alien | xxxxxx |  |  | xxxxxx |  |  |  | $93134.54 | 1 | xxxxxx | $1445.04 | xxxxxx | $120.42 | xxxxxx |  | $91.00 |  | Monthly | 9.767% | 9.767% | 9.767% | 07/24/2025 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2021<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2021<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - Year Not Available<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2021<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2021<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Third Party Verification - 2021<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $19292.00 | xxxxxx | 6.610% | $7999.50 | 1 |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $132730.76 | 33.180% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | Employment Authorization |  |  |  |  | 66.94 |  | No | No | xxxxxx | $51607.61 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 845191 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $2344.00 | $6117.63 | xxxxxx | 7.720% | $3383.25 | $3383.25 | 7.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $8176.83 | 1 | xxxxxx | $1796.04 | xxxxxx | $149.67 | xxxxxx | xxxxxx | $33.00 |  | Monthly | 38.742% | 38.742% | 38.742% | 07/31/2025 | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2023<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2344.00 | xxxxxx | 6.750% | $0.00 | 1.6 |  |  |  | No | No | 7.625% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | xxxxxx | $80128.99 | 13.410% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.87 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 845198 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2249.98 | $2249.98 | 6.875% | No | No |  |  |  |  |  |  |  | Foreign National |  |  |  | xxxxxx |  |  |  | 1 | xxxxxx | $305.04 | xxxxxx | $25.42 | xxxxxx |  | $420.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 07/18/2025 | 719 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 0.99 |  |  |  |  |  |  |  | xxxxxx | $495260.17 | 72.300% | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 39.81 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 845200 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $6660.00 | $9839.28 | xxxxxx | 6.835% | $3009.47 | $3009.47 | 6.625% | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $7773.36 | 1 | xxxxxx | $1328.04 | xxxxxx | $110.67 |  |  |  |  |  | 37.813% | 37.813% | 37.813% | 08/08/2025 | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025 |  | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $6660.00 | xxxxxx | 6.630% | $2800.00 |  |  |  |  | N/A | No | 6.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $584971.63 | 60.300% | No | 31 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 42.11 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 845232 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $165.60 | $974.39 | xxxxxx | 7.890% | $492.57 | $492.57 | 7.750% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $4243.90 | 1 | xxxxxx | $1794.96 | xxxxxx | $149.58 |  |  |  |  |  | 35.533% | 35.533% | 35.533% | 08/19/2025 | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $165.60 | xxxxxx | 6.370% | $0.00 | 2.6 |  |  |  | Yes | No | 7.750% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx |  |  | No | 23 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 3.250% | xxxxxx | xxxxxx | $826.89 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 25.6 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 845241 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $23450.00 | $25721.87 |  | 8.155% | $7105.68 | $7105.68 | 7.875% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $10493.71 | 1 | xxxxxx | $3951.96 | xxxxxx | $329.33 |  |  |  |  |  | 45.600% | 45.600% | 45.600% | 07/09/2025 | 731 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $23450.00 |  | 6.670% | $0.00 | 4.8 |  |  |  | No | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx |  |  | No | 30 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.38 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 845248 | xxxxxx | N/A |  |  | xxxxxx | No | No | $8861.87 | $3256.89 | xxxxxx | 7.455% | $1735.32 | $1735.32 | 7.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $239408.95 | 1 | xxxxxx | $1392.00 | xxxxxx | $116.00 |  |  |  |  |  | 6.497% | 6.497% | 6.497% | 06/23/2025 | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - 2003<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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> [Borrower - xxxxxx \| 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 - 2003 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $8861.87 | xxxxxx | 6.750% | $0.00 | 1 |  |  |  | Yes | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $158184.83 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 193.16 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 845259 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $8841.00 | $10445.82 | xxxxxx | 7.180% | $2044.36 | $2044.36 | 6.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $3946.07 | 1 | xxxxxx | $3224.04 | xxxxxx | $268.67 |  |  |  |  |  | 42.053% | 42.053% | 42.053% | 06/05/2025 | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2024<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2023 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $8841.00 | xxxxxx | 6.790% | $16261.31 | 1.2 |  |  |  | Yes | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 19.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $101303.58 | 26.040% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.1 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 845260 | xxxxxx | Higher Priced QM (APOR) |  |  | xxxxxx | Yes | No | $16165.00 | $25156.18 | xxxxxx | 8.652% | $9688.31 | $9688.31 | 8.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $76358.22 | 1 | xxxxxx | $9127.44 | xxxxxx | $760.62 |  |  |  |  |  | 19.699% | 19.699% | 19.699% | 08/07/2025 | 666 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 40.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 | No | xxxxxx | xxxxxx | $16165.00 | xxxxxx | 6.750% | $0.00 | 1 |  |  |  | N/A | No | 8.500% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $772774.73 | 42.930% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 29.84 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 3 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 845275 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $11687.50 | $4935.27 | xxxxxx | 7.464% | $2693.63 | $2693.63 | 7.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $17666.19 | 1 | xxxxxx | $2250.00 | xxxxxx | $187.50 | xxxxxx | xxxxxx | $375.00 |  | Annually | 44.249% | 44.249% | 44.249% | 07/03/2025 | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $11687.50 | xxxxxx | 6.750% | $0.00 | 1 |  |  |  | Yes | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $24950.19 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 50.82 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 845278 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $7742.50 | $14445.81 | xxxxxx | 6.914% | $4650.45 | $4650.45 | 6.750% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  | $11452.11 | 1 | xxxxxx | $2730.00 | xxxxxx | $227.50 |  |  |  |  |  | 36.469% | 36.469% | 36.469% | 07/24/2025 | 748 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2024<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2023<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7742.50 | xxxxxx | 6.750% | $0.00 | 1 |  |  |  | Yes | No | 6.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 18.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $267919.58 | 27.990% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  |  | 5.46 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 845286 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $3850.00 | $4740.66 | xxxxxx | 7.187% | $1596.73 | $1596.73 | 7.000% | No | No | Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  | $3878.46 | 1 | xxxxxx | $1155.96 | xxxxxx | $96.33 | xxxxxx | xxxxxx | $575.00 |  | Annually | 38.922% | 38.922% | 38.922% | 07/17/2025 | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025 |  | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $3850.00 | xxxxxx | 6.750% | $21800.00 | 1 |  |  |  | Yes | No | 7.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $69447.92 | 23.140% | No | 30 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  |  | 14.58 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 845290 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $5600.00 | $10627.50 | xxxxxx | 7.788% | $2321.39 | $2321.39 | 7.500% | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $5546.72 | 1 | xxxxxx | $2369.88 | xxxxxx | $197.49 | xxxxxx | xxxxxx | $497.00 |  | Annually | 42.817% | 42.817% | 42.817% | 07/08/2025 | 685 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $5600.00 | xxxxxx | 6.750% | $0.00 | 1 |  |  |  | Yes | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $110589.00 | 26.640% | No | 31 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 5.65 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 845297 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2857.81 | $2857.81 | 7.375% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1268.64 | xxxxxx | $105.72 | xxxxxx |  | $400.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 06/04/2025 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.81 | 1.23 |  |  |  |  |  |  | 240 | xxxxxx | $6063.41 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 115.1 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 845380 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1886.41 | $1886.41 | 7.125% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1234.20 | xxxxxx | $102.85 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/04/2025 | 703 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.12 | 0.88 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 82.09 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 845381 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $12925.50 | $5308.43 | xxxxxx | 7.458% | $4095.70 | $4095.70 | 7.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $13439.05 | 1 | xxxxxx | $1715.40 | xxxxxx | $142.95 |  |  |  |  |  | 43.259% | 43.259% | 43.259% | 05/27/2025 | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2005<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available |  | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $12925.50 | xxxxxx | 6.610% | $0.00 | 3.2 |  |  |  | Yes | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 19.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $15969.05 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0.86 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 845400 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $3500.00 | $5077.74 | xxxxxx | 8.972% | $1573.40 | $1573.40 | 8.750% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $6382.03 | 1 | xxxxxx | $2318.04 | xxxxxx | $193.17 |  |  |  |  |  | 48.944% | 48.944% | 48.944% | 07/16/2025 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; Employer Letter - Year Not Available | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $3500.00 | xxxxxx | 6.610% | $0.00 | 1 |  |  |  | N/A | No | 8.750% | 1 |  | 1 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 2.750% | xxxxxx | xxxxxx | $1997.32 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 37.12 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 845409 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $23702.50 | $28367.94 | xxxxxx | 8.356% | $5774.73 | $5774.73 | 8.000% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $70481.42 | 1 | xxxxxx | $12231.96 | xxxxxx | $1019.33 |  |  |  |  |  | 29.710% | 29.710% | 29.710% | 07/10/2025 | 659 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2019<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $23702.50 | xxxxxx | 6.630% | $0.00 | 1.4 |  |  |  | Yes | No | 8.000% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $24233.24 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 45.77 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 845417 | xxxxxx | Higher Priced QM (APOR) |  |  | xxxxxx | Yes | No | $16900.00 | $20337.38 | xxxxxx | 8.278% | $5316.12 | $5316.12 | 8.000% | No | No | Self-Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $20885.09 | 1 | xxxxxx | $2994.96 | xxxxxx | $249.58 |  |  |  |  |  | 44.853% | 44.853% | 44.853% | 07/21/2025 | 701 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $16900.00 | xxxxxx | 6.630% | $0.00 |  |  |  |  | N/A | No | 8.000% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $20211.41 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 35.54 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 845431 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $5950.00 | $10073.88 | xxxxxx | 6.946% | $5912.36 | $5912.36 | 6.875% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $12801.21 | 1 | xxxxxx | $2394.60 | xxxxxx | $199.55 |  |  |  |  |  | 43.230% | 43.230% | 43.230% | 08/05/2025 | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $5950.00 | xxxxxx | 6.750% | $0.00 | 3.9 |  |  |  | No | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx |  |  | No | 30 |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 20.13 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 845433 | xxxxxx | N/A |  |  | xxxxxx | No | No | $4950.00 | $3602.37 | xxxxxx | 9.980% | $1082.50 | $1082.50 | 9.125% | No | No | Self-Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $9316.69 | 1 | xxxxxx | $2145.00 | xxxxxx | $178.75 |  |  |  |  |  | 26.955% | 26.955% | 26.955% | 07/29/2025 | 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; CPA Letter - Year Not Available<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Expense Letter - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $4950.00 | xxxxxx | 5.900% | $0.00 | 1 |  |  |  | Yes | No | 9.125% | 0 | 0 | 0 | 0 | 0 | 0 |  | 24 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | xxxxxx | $19182.57 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  | 1 | xxxxxx | 4.500% | xxxxxx | xxxxxx | $1925.40 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 32.72 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 845450 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $14079.00 | $18014.77 | xxxxxx | 9.146% | $3477.22 | $3477.22 | 8.750% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $13199.53 | 2 | xxxxxx | $3054.96 | xxxxxx | $254.58 |  |  |  |  |  | 29.973% | 29.973% | 29.973% | 07/21/2025 | 702 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $14079.00 | xxxxxx | 6.790% | $28200.00 |  |  |  |  | No | No | 8.750% | 0 |  | 0 | 0 | 3 | 0 |  | 24 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | xxxxxx | $17219.76 | 3.310% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 7.22 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 845459 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $1950.00 | $4491.50 | xxxxxx | 7.036% | $882.09 | $882.09 | 6.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $10443.45 | 1 | xxxxxx | $156.96 | xxxxxx | $13.08 | xxxxxx | xxxxxx | $573.41 |  | Monthly | 14.303% | 14.303% | 14.303% | 07/28/2025 | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1950.00 | xxxxxx | 6.630% | $0.00 | 1 |  |  |  | Yes | No | 6.750% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $163006.52 | 95.880% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 77.45 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 845490 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $11725.00 | $3841.46 | xxxxxx | 7.481% | $2417.36 | $2417.36 | 7.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $20710.83 | 1 | xxxxxx | $1245.00 | xxxxxx | $103.75 |  |  |  |  |  | 19.453% | 19.453% | 19.453% | 06/16/2025 | 701 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $11725.00 | xxxxxx | 6.790% | $0.00 | 1.2 |  |  |  | Yes | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | xxxxxx | $15559.89 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 103.56 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 845505 | xxxxxx | N/A |  |  | xxxxxx | No | No | $8270.00 | $5027.75 | xxxxxx | 7.817% | $1528.83 | $1528.83 | 7.625% | No | No | Not Employed | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $4007.28 | 1 | xxxxxx | $1998.00 | xxxxxx | $166.50 |  |  |  |  |  | 48.151% | 48.151% | 48.151% | 08/09/2025 | 741 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Employer Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025 |  | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $8270.00 | xxxxxx | 6.630% | $6500.00 | 1 |  |  |  | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $79106.99 | 29.290% | No |  | 12 |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 12.16 |  | No | Yes | xxxxxx | $0.00 | $7500.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 845512 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $11820.00 | $13264.68 | xxxxxx | 8.670% | $3800.36 | $3800.36 | 8.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $106853.06 | 1 | xxxxxx | $2430.00 | xxxxxx | $202.50 |  |  |  |  |  | 9.248% | 9.248% | 9.248% | 07/17/2025 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $11820.00 | xxxxxx | 6.630% | $0.00 |  |  |  |  | N/A | No | 8.375% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $124909.99 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 3.875% | xxxxxx | xxxxxx | $2938.98 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 50.63 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 845517 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $11595.00 | $13886.08 | xxxxxx | 7.878% | $6103.13 | $7757.96 | 7.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $14580.65 | 1 | xxxxxx | $1621.44 | xxxxxx | $135.12 |  |  |  |  |  | 40.133% | 33.338% | 40.133% | 07/24/2025 | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $11595.00 | xxxxxx | 6.750% | $0.00 | 2.1 |  |  |  | Yes | No | 7.750% | 0 |  | 0 | 0 | 3 | 0 |  |  | 18.00 | No |  |  |  |  |  |  |  |  | 240 | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 10.22 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 845529 | xxxxxx | N/A |  |  | xxxxxx | No | No | $2355.00 | $4079.80 | xxxxxx | 7.181% | $3941.25 | $3941.25 | 7.125% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $20991.37 | 2 | xxxxxx | $3723.12 | xxxxxx | $310.26 |  |  |  |  |  | 35.900% | 35.900% | 35.900% | 07/22/2025 | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2024 |  | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2355.00 | xxxxxx | 6.630% | $0.00 |  |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 19.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | No | 22.53 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 845546 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $7760.00 | $12447.92 | xxxxxx | 7.369% | $1629.18 | $1629.18 | 6.875% | No | No | Employed | Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $8322.53 | 1 | xxxxxx | $1040.28 | xxxxxx | $86.69 | xxxxxx | xxxxxx | $1261.00 |  | Monthly | 47.259% | 47.259% | 47.259% | 08/12/2025 | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7760.00 | xxxxxx | 6.630% | $0.00 | 1 |  |  |  | No | No | 6.875% | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $152763.34 | 49.270% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 21.72 |  | No | No | xxxxxx | $0.00 | $8584.90 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 845588 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $20369.00 | $29770.63 | xxxxxx | 9.137% | $7876.88 | $7876.88 | 8.875% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $16463.25 | 1 | xxxxxx | $1460.16 | xxxxxx | $121.68 |  |  |  |  |  | 37.489% | 37.489% | 37.489% | 05/21/2025 | 685 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - VA Service Related Disability]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Pension]; Other - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc | Chapter 7 |  | xxxxxx | 1 | 57.84 |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $20369.00 | xxxxxx | 6.790% | $20000.00 | 1.7 |  |  |  | N/A | No | 8.875% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $282991.28 | 25.720% | No | 6 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 36.91 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 845590 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $2344.00 | $27462.68 | xxxxxx | 7.805% | $17365.83 | $17365.83 | 7.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $55054.79 | 1 | xxxxxx | $3017.04 | xxxxxx | $251.42 | xxxxxx | xxxxxx | $240.00 |  | Monthly | 35.566% | 35.566% | 35.566% | 07/21/2025 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2017<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Third Party Verification - 2014<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2344.00 | xxxxxx | 6.790% | $5000.00 | 1 |  |  |  | No | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | Yes |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $6907.98 | 0.220% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.93 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 845591 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $41374.25 | $53534.03 | xxxxxx | 9.114% | $11293.08 | $11293.08 | 8.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $258679.38 | 1 | xxxxxx | $1892.04 | xxxxxx | $157.67 |  |  |  |  |  | 8.973% | 8.973% | 8.973% | 07/25/2025 | 724 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2020 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $41374.25 | xxxxxx | 6.750% | $0.00 | 1.6 |  |  |  | No | No | 8.750% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $379026.80 | 23.760% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 45.96 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 845605 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $11975.60 | $16711.00 | xxxxxx | 7.426% | $3233.85 | $3233.85 | 7.125% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $15903.96 | 1 | xxxxxx | $3334.08 | xxxxxx | $277.84 |  |  |  |  |  | 39.340% | 39.340% | 39.340% | 08/11/2025 | 703 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2016 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $11975.60 | xxxxxx | 6.630% | $5000.00 | 1 |  |  |  | Yes | No | 7.125% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | xxxxxx | $64850.09 | 10.800% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.67 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 845709 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $1495.00 | $2744.98 | xxxxxx | 7.424% | $3038.97 | $3038.97 | 7.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $158916.63 | 1 | xxxxxx | $1793.04 | xxxxxx | $149.42 | xxxxxx | xxxxxx | $40.00 |  | Monthly | 13.090% | 13.090% | 13.090% | 07/17/2025 | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - Year Not Available | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1495.00 | xxxxxx | 6.750% | $0.00 | 2.5 |  |  |  | No | No | 7.375% | 0 |  | 0 | 0 | 4 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $5500.00 | 1.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 286.52 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 845712 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $4626.25 | $7067.42 | xxxxxx | 7.718% | $4326.39 | $4326.39 | 7.625% | No | No | Not Employed | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $347080.14 | 1 | xxxxxx | $5053.68 | xxxxxx | $421.14 | xxxxxx | xxxxxx | $250.00 |  | Annually | 4.185% | 4.185% | 4.185% | 08/12/2025 | 695 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| 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 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $4626.25 | xxxxxx | 6.570% | $0.00 | 3.2 |  |  |  | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $1728172.02 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Trust | Business Entity | Individual | xxxxxx |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 339.07 |  | No | No | xxxxxx | $362238.41 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 845723 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $1804.00 | $7164.70 | xxxxxx | 7.922% | $8936.48 | $8936.48 | 7.875% | No | No | Not Employed | Self-Employed | Employed |  | 8.64 |  |  | xxxxxx | xxxxxx |  |  |  |  |  | $16938.78 | 1 | xxxxxx | $3858.96 | xxxxxx | $321.58 |  |  |  |  |  | 42.360% | 42.360% | 42.360% | 08/12/2025 | 771 | 786 | 779 | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 3-Stated/Partially Verified |  | Level 3-Stated/Verified as defined |  | No | Yes | 24 | Business | 100.000% |  | 50.000% |  | [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 18.20000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 18.20000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 18.20000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 18.20000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 18.20000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 18.20000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 18.20000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 18.20000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 18.20000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 18.20000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2022<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 12.10000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 12.10000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 12.10000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 12.10000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 12.10000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 12.10000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 12.10000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 12.10000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 12.10000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 12.10000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1804.00 | xxxxxx | 6.630% | $0.00 | 3.1 |  |  |  | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $330618.57 | 22.800% | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | xxxxxx | Individual | xxxxxx |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 16.22 |  |  | No | xxxxxx | $29387.26 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 845736 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $19018.00 | $24475.67 | xxxxxx | 7.139% | $5623.31 | $5623.31 | 6.875% | No | No | Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $14808.54 | 1 | xxxxxx | $1566.00 | xxxxxx | $130.50 |  |  |  |  |  | 41.484% | 41.484% | 41.484% | 07/02/2025 | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 59.000% |  | 100.000% |  | [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Expense Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2009<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - Year Not Available<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Third Party Verification - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $19018.00 | xxxxxx | 6.630% | $0.00 | 1 |  |  |  | No | No | 6.875% | 2 | 0 | 0 | 0 | 2 | 0 |  | 24 | 0.00 | Yes |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $293844.55 | 27.460% | No | 18 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 17.3 |  | Yes | No | xxxxxx | $14965.20 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 845739 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $1745.00 | $4387.82 | xxxxxx | 7.312% | $2899.25 | $2899.25 | 7.250% | No | No | Self-Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $29372.94 | 1 | xxxxxx | $2085.24 | xxxxxx | $173.77 | xxxxxx |  | $85.00 |  | Monthly | 23.588% | 23.588% | 23.588% | 07/25/2025 | 731 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 93.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - 2011<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - Year Not Available<br> [Borrower - xxxxxx \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1745.00 | xxxxxx | 6.630% | $0.00 | 1.4 |  |  |  | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $3149.49 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 13.48 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 845786 | xxxxxx | Exempt from ATR | N/A | Yes | xxxxxx | No | No | $38205.00 | $16835.39 |  | 7.691% | $3425.75 | $3425.75 | 7.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $28324.25 | 1 | xxxxxx | $2360.04 | xxxxxx | $196.67 |  |  |  |  |  | 35.117% | 35.117% | 35.117% | 06/09/2025 | 725 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - 2020<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $38205.00 | xxxxxx | 6.630% | $0.00 | 2.8 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $10000.00 | 1.610% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.35 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 845788 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2648.27 | $2648.27 | 7.500% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $2388.24 | xxxxxx | $199.02 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/11/2025 | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.6 |  |  |  | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.09 | 0.91 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Foreign Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 31.21 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 845802 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $5649.00 | $8755.75 | xxxxxx | 7.214% | $4150.11 | $4150.11 | 7.125% | No | No | Non-Employment Income |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $8601.47 | 1 | xxxxxx | $504.96 | xxxxxx | $42.08 | xxxxxx | xxxxxx | $588.00 |  | Monthly | 43.300% | 43.300% | 43.300% | 07/18/2025 | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - xxxxxx \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - xxxxxx \| Primary Income - Asset Depletion]; Other - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $5649.00 | xxxxxx | 6.630% | $3000.00 | 1 |  |  |  | Yes | No | 7.125% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | Other | Not Stated |  |  |  | xxxxxx | $1647763.04 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 256.78 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 845854 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $4200.00 | $6233.14 | xxxxxx | 9.521% | $1969.68 | $1969.68 | 9.250% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  | $44189.34 | 1 | xxxxxx | $1557.48 | xxxxxx | $129.79 | xxxxxx | xxxxxx | $24.00 |  | Monthly | 16.736% | 16.736% | 16.736% | 08/01/2025 | 714 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $4200.00 | xxxxxx | 6.290% | $0.00 | 1 |  |  |  | Yes | No | 9.250% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $24291.45 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 3.375% | xxxxxx | xxxxxx | $2422.69 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | VISA |  |  |  | No | 4.38 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 845863 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2280.10 | $2280.10 | 7.375% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1389.96 | xxxxxx | $115.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/21/2025 | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.94 | 1.06 |  |  |  |  |  |  | 240 | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 21.77 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 845876 | xxxxxx | N/A |  |  | xxxxxx | No | No | $18073.00 | $5710.21 |  | 7.572% | $3667.28 | $3667.28 | 7.490% | No | No | Not Employed | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $16842.91 | 1 | xxxxxx | $2349.96 | xxxxxx | $195.83 |  |  |  |  |  | 48.934% | 48.934% | 48.934% | 07/10/2025 | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 50.000% |  | [Coborrower(s) - xxxxxx \| 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> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| 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> [Coborrower(s) - xxxxxx \| 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> [Coborrower(s) - xxxxxx \| 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> [Coborrower(s) - xxxxxx \| 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> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2020<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2020<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2020<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $18073.00 |  | 6.630% | $0.00 |  |  |  |  | N/A | No | 7.490% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $12457.42 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Trust | Business Entity | Individual | xxxxxx |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 12.53 |  | No | No | xxxxxx | $32982.35 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 845954 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $38145.00 | $47669.67 | xxxxxx | 7.424% | $16372.23 | $16372.23 | 7.250% | No | No | Not Employed | Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $36211.59 | 1 | xxxxxx | $2497.08 | xxxxxx | $208.09 |  |  |  |  |  | 43.466% | 43.466% | 43.466% | 06/23/2025 | 738 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Asset Depletion]; Account Statements - 2025 | [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $38145.00 | xxxxxx | 6.670% | $0.00 |  |  |  |  | N/A | No | 7.250% | 0 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | 60 |  |  |  |  | xxxxxx | $4136328.83 | 100.000% | No |  | 30 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 20.15 |  | No | No | xxxxxx | $27758.17 | $36295.02 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 846000 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $2534.00 | $4243.50 | xxxxxx | 7.027% | $7684.24 | $7684.24 | 7.000% | No | No | Not Employed | Non-Employment Income |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $164293.96 | 1 | xxxxxx | $2874.96 | xxxxxx | $239.58 | xxxxxx | xxxxxx | $209.00 |  | Monthly | 5.102% | 5.102% | 5.102% | 07/25/2025 | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - Asset Depletion]; Account Statements - 2025 |  | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2534.00 | xxxxxx | 6.630% | $0.00 | 4.6 |  |  |  | No | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | xxxxxx | $10499430.09 |  | No |  |  |  |  | Yes | Final | Fee Simple | Trust | Business Entity | Individual | xxxxxx |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 1318.76 |  |  | No | xxxxxx | $173127.70 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 846019 | xxxxxx | N/A |  |  | xxxxxx | No | No | $20493.00 | $2739.80 | xxxxxx | 8.085% | $2729.60 | $2729.60 | 8.000% | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $11039.65 | 1 | xxxxxx | $730.32 | xxxxxx | $60.86 | xxxxxx | xxxxxx | $1056.00 |  | Monthly | 44.416% | 44.416% | 44.416% | 07/16/2025 | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023 |  | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $20493.00 | xxxxxx | 6.630% | $10000.00 | 1.3 |  |  |  | Yes | No | 8.000% | 2 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $118360.51 | 25.450% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Passport |  |  |  |  | 14.73 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 846020 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $4300.75 | $8080.17 | xxxxxx | 9.486% | $3918.79 | $3918.79 | 9.375% | No | No | Self-Employed | Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $6760.98 | 1 | xxxxxx | $2124.96 | xxxxxx | $177.08 |  |  |  |  |  | 48.025% | 48.025% | 48.025% | 08/08/2025 | 706 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 67.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $4300.75 | xxxxxx | 6.630% | $0.00 | 2.7 |  |  |  | Yes | No | 9.375% | 0 | 1 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $139397.56 | 26.620% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 14.25 |  | Yes | No | xxxxxx | $0.00 | $4230.96 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 846030 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3540.15 | $3540.15 | 8.750% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1434.00 | xxxxxx | $119.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/25/2025 | 661 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 4 |  |  |  | N/A | No | 8.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.65 | 1.54 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 22.32 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 846031 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $9354.61 | $9354.61 | 7.999% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 3 | xxxxxx | $2436.00 | xxxxxx | $203.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/01/2025 | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.999% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.73 | 1.36 |  |  |  |  |  |  |  | xxxxxx | $1145816.44 | 67.400% | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 63.02 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 846033 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2507.44 | $2507.44 | 7.750% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $2348.04 | xxxxxx | $195.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/06/2025 | 659 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.15 | 0.87 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 59.2 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 846034 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1990.67 | $1990.67 | 7.625% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2435.76 | xxxxxx | $202.98 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/18/2025 | 668 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | xxxxxx | $38311.22 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 13.75 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 846035 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $10002.74 | $10002.74 | 6.999% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 3 | xxxxxx | $2604.12 | xxxxxx | $217.01 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/25/2025 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | No | No | 6.999% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.76 | 1.3 |  |  |  |  |  |  | 240 | xxxxxx | $1729666.52 | 70.590% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 42.52 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 846039 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $9988.63 | $9988.63 | 8.125% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $3012.96 | xxxxxx | $251.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 05/22/2025 | 708 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 62.34 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 846042 | xxxxxx | N/A |  | Yes | xxxxxx | No | No | $35855.00 | $23452.87 | xxxxxx | 9.655% | $5488.89 | $5488.89 | 9.250% | No | No | Not Employed | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $18108.60 | 1 | xxxxxx | $4414.56 | xxxxxx | $367.88 |  |  |  |  |  | 18.983% | 18.983% | 18.983% | 05/12/2025 | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2024 |  | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $35855.00 | xxxxxx | 6.870% | $0.00 |  |  |  |  | N/A | No | 9.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 10.12 |  | Yes | No | xxxxxx | $22351.70 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 846047 | xxxxxx | Exempt from ATR | N/A | Yes | xxxxxx | No | No | $40032.00 | $19632.48 | xxxxxx | 8.470% | $3317.77 | $3317.77 | 7.999% | No | No | Not Employed | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $11035.63 | 1 | xxxxxx | $1981.20 | xxxxxx | $165.10 |  |  |  |  |  | 44.377% | 44.377% | 44.377% | 05/19/2025 | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $40032.00 | xxxxxx | 6.750% | $0.00 | 1 |  |  |  | N/A | No | 7.999% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $11000.00 | 2.060% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 9.11 |  | No | Yes | xxxxxx | $19840.10 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 846049 | xxxxxx | N/A |  | Yes | xxxxxx | No | No | $11360.50 | $8340.92 | xxxxxx | 7.777% | $1023.26 | $1023.26 | 7.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $12069.82 | 1 | xxxxxx | $710.40 | xxxxxx | $59.20 | xxxxxx | xxxxxx | $480.00 |  | Monthly | 35.991% | 35.991% | 35.991% | 07/11/2025 | 810 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Account Statements - Personal - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; 1099 - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $11360.50 | xxxxxx | 6.750% | $0.00 | 2.7 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | xxxxxx | $181800.87 | 90.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 63.28 |  | No | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 846053 | xxxxxx | Exempt from ATR |  | Yes | xxxxxx | Yes | No | $9467.13 | $9914.08 | xxxxxx | 7.139% | $2386.95 | $2386.95 | 6.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $5447.59 | 1 | xxxxxx | $2803.08 | xxxxxx | $233.59 | xxxxxx | xxxxxx | $52.00 |  | Monthly | 41.697% | 41.697% | 41.697% | 05/01/2025 | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $9467.13 | xxxxxx | 6.870% | $57000.00 | 2.6 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 3 | 0 |  |  | 16.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $25343.72 | 4.530% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.12 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 846154 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1370.38 | $1370.38 | 7.875% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1210.44 | xxxxxx | $100.87 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/17/2025 | 706 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.3 |  |  |  | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.96 | 1.03 |  |  |  |  |  |  |  | xxxxxx | $206094.60 | 76.330% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 71.55 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 846157 | xxxxxx | N/A |  |  | xxxxxx | No | No | $11574.00 | $14484.29 | xxxxxx | 7.974% | $2717.93 | $2717.93 | 7.625% | No | No | Employed | Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $15457.81 | 1 | xxxxxx | $1384.32 | xxxxxx | $115.36 | xxxxxx | xxxxxx | $6540.00 |  | Annually | 39.383% | 39.383% | 39.383% | 07/10/2025 | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Sole Proprietor]; Other - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - Sole Proprietor]; Other - Year Not Available<br> [Borrower - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; Other - Year Not Available<br> [Borrower - xxxxxx \| Non-Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $11574.00 | xxxxxx | 6.570% | $6000.00 | 2 |  |  |  | No | No | 7.625% | 2 | 2 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $203929.27 | 42.480% | No | 31 | 31 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 40.75 |  | No | No | xxxxxx | $0.00 | $1381.69 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 846168 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $20400.00 | $27868.31 | xxxxxx | 9.175% | $7125.00 | $7125.00 | 8.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $20227.98 | 1 | xxxxxx | $1319.64 | xxxxxx | $109.97 |  |  |  |  |  | 46.896% | 46.896% | 46.896% | 07/16/2025 | 706 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2010<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - Year Not Available<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - Year Not Available<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Non-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 - xxxxxx \| Non-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 - xxxxxx \| Non-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 - xxxxxx \| Non-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 - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 1993<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - Year Not Available<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo Bank Statement | Chapter 13 | xxxxxx | xxxxxx | 1 |  | 56.88 |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $20400.00 | xxxxxx | 6.630% | $0.00 | 1 |  |  |  | Yes | No | 8.875% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | xxxxxx | $140892.39 | 14.160% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.49 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 846197 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $5466.84 | $6650.96 | xxxxxx | 7.510% | $3329.05 | $3329.05 | 7.375% | No | No | Non-Employment Income | Non-Employment Income |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $7552.26 | 1 | xxxxxx | $1364.40 | xxxxxx | $113.70 | xxxxxx | xxxxxx | $160.00 |  | Monthly | 43.669% | 43.669% | 43.669% | 08/11/2025 | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Yes | 12 | Business | 41.000% |  |  |  | [Borrower - xxxxxx \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Shared Bank Statements]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Shared Bank Statements]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Shared Bank Statements]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Non-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> [Coborrower(s) - xxxxxx \| Non-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> [Coborrower(s) - xxxxxx \| Non-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> [Coborrower(s) - xxxxxx \| 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 - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $5466.84 | xxxxxx | 6.610% | $7500.00 | 3.5 |  |  |  | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  | Other |  |  |  |  | xxxxxx | $539103.99 | 88.370% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 105.79 |  | No | No | xxxxxx | $8319.98 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 846198 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $2267.50 | $4769.82 | xxxxxx | 7.186% | $3031.73 | $3031.73 | 7.125% | No | No | Employed | Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $9820.12 | 1 | xxxxxx | $996.72 | xxxxxx | $83.06 |  |  |  |  |  | 40.737% | 40.737% | 40.737% | 08/06/2025 | 701 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - Year Not Available<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; Other - Year Not Available<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Account Transcripts - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Account Transcripts - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2267.50 | xxxxxx | 6.610% | $0.00 |  |  |  |  | Yes | No | 7.125% | 2 | 2 | 1 | 0 | 2 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 5.93 |  | No | No | xxxxxx | $0.00 | $4846.54 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 846207 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $18330.50 | $22943.59 | xxxxxx | 7.209% | $6219.95 | $6219.95 | 6.999% | No | No | Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $15821.05 | 1 | xxxxxx | $2210.52 | xxxxxx | $184.21 |  |  |  |  |  | 44.844% | 44.844% | 44.844% | 05/28/2025 | 665 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 71.000% |  | 100.000% |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $18330.50 | xxxxxx | 6.750% | $0.00 | 3.7 |  |  |  | N/A | No | 6.999% | 2 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $133392.90 |  | No | 29 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 22.73 |  | Yes | No | xxxxxx | $20425.98 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 846220 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $3521.74 | $3521.74 | 7.999% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $735.96 | xxxxxx | $61.33 | xxxxxx | xxxxxx | $10740.00 |  | Annually | 0.000% | 0.000% | 0.000% | 07/30/2025 | 699 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.6 |  |  |  | N/A | No | 7.999% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.79 | 1.25 |  |  |  |  |  |  |  | xxxxxx | $316176.13 | 49.400% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  | 26.06 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 846221 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $12801.88 | $15012.01 | xxxxxx | 8.127% | $2723.90 | $2723.90 | 7.749% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $8850.68 | 1 | xxxxxx | $2325.96 | xxxxxx | $193.83 | xxxxxx | xxxxxx | $425.00 |  | Annually | 42.466% | 42.466% | 42.466% | 05/14/2025 | 697 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $12801.88 | xxxxxx | 6.790% | $0.00 | 1 |  |  |  | N/A | No | 7.749% | 0 |  | 0 | 0 | 0 | 0 |  |  | 13.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 846222 | xxxxxx | N/A |  |  | xxxxxx | No | No | $26629.60 | $12934.63 | xxxxxx | 6.791% | $2388.97 | $2388.97 | 6.499% | No | No | Not Employed | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $48206.99 | 1 | xxxxxx | $1926.00 | xxxxxx | $160.50 |  |  |  |  |  | 27.190% | 27.190% | 27.190% | 07/23/2025 | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $26629.60 | xxxxxx | 6.750% | $0.00 | 1.9 |  |  |  | N/A | No | 6.499% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $5400.00 | 1.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 24.56 |  | No | No | xxxxxx | $66209.60 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 846223 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $35094.80 | $44253.66 | xxxxxx | 8.370% | $12361.34 | $12361.34 | 8.124% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $31252.52 | 1 | xxxxxx | $1470.00 | xxxxxx | $122.50 | xxxxxx | xxxxxx | $182.00 |  | Monthly | 32.091% | 32.091% | 32.091% | 07/08/2025 | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2021<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $35094.80 | xxxxxx | 6.670% | $0.00 | 1 |  |  |  | N/A | No | 8.124% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $55499.00 | 2.990% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 16.41 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 846227 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $11655.00 | $8233.58 | xxxxxx | 7.644% | $3244.04 | $3244.04 | 7.499% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $11707.56 | 1 | xxxxxx | $1272.12 | xxxxxx | $106.01 | xxxxxx | xxxxxx | $435.00 |  | Monthly | 35.963% | 35.963% | 35.963% | 07/15/2025 | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 48 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $11655.00 | xxxxxx | 6.750% | $0.00 | 1 |  |  |  | N/A | No | 7.499% | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  | No |  |  |  | xxxxxx | $267400.00 | 46.100% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 68.17 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 846229 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $13322.34 | $15506.21 | xxxxxx | 7.526% | $3483.87 | $3483.87 | 7.249% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $9482.05 | 1 | xxxxxx | $4122.00 | xxxxxx | $343.50 | xxxxxx | xxxxxx | $1650.00 |  | Annually | 37.492% | 37.492% | 37.492% | 06/30/2025 | 699 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2024<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $13322.34 | xxxxxx | 6.790% | $0.00 | 1 |  |  |  | N/A | No | 7.249% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 846232 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $24210.00 | $35044.26 | xxxxxx | 7.085% | $9463.74 | $9463.74 | 6.874% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $194897.60 | 1 | xxxxxx | $3732.12 | xxxxxx | $311.01 | xxxxxx | xxxxxx | $249.00 |  | Monthly | 9.483% | 9.483% | 9.483% | 08/07/2025 | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 51.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $24210.00 | xxxxxx | 6.630% | $15000.00 | 3.2 |  |  |  | N/A | No | 6.874% | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $323688.14 | 19.040% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 73.53 |  | Yes | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 846293 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $9255.25 | $4056.16 | xxxxxx | 8.374% | $2330.80 | $2330.80 | 8.250% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  | $5273.26 | 1 | xxxxxx | $1822.20 | xxxxxx | $151.85 |  |  |  |  |  | 35.431% | 35.431% | 35.431% | 07/02/2025 | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; 1099 Transcript - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $9255.25 | xxxxxx | 6.750% | $15000.00 | 1 |  |  |  | N/A | No | 8.250% | 0 |  | 0 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | xxxxxx | $79192.54 | 21.690% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  |  | 6.1 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 846311 | xxxxxx | Higher Priced QM (APOR) |  |  | xxxxxx | Yes | No | $2060.89 | $3198.76 | xxxxxx | 8.284% | $1508.75 | $1508.75 | 8.125% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $8688.42 | 1 | xxxxxx | $1458.36 | xxxxxx | $121.53 |  |  |  |  |  | 18.271% | 18.271% | 18.271% | 07/22/2025 | 676 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - Year Not Available<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2060.89 | xxxxxx | 6.610% | $10000.00 | 1 |  |  |  | Yes | No | 8.125% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $100675.62 | 39.630% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 27.26 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 846312 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $5504.40 | $8399.61 | xxxxxx | 7.435% | $2455.83 | $2455.83 | 7.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $17938.30 | 1 | xxxxxx | $963.96 | xxxxxx | $80.33 |  |  |  |  |  | 14.670% | 14.670% | 14.670% | 06/17/2025 | 812 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2024<br> [Borrower - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2023<br> [Borrower - xxxxxx \| 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> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $5504.40 | xxxxxx | 6.610% | $13500.00 | 1 |  |  |  | No | No | 7.250% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $320344.79 | 71.180% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 86.65 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 846325 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $6626.40 | $8517.65 | xxxxxx | 7.397% | $3479.10 | $3479.10 | 7.250% | No | No | Not Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $13498.21 | 1 | xxxxxx | $3672.00 | xxxxxx | $306.00 |  |  |  |  |  | 46.759% | 46.759% | 46.759% | 07/09/2025 | 734 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - xxxxxx \| 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) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2022<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2020<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2017<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2017 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $6626.40 | xxxxxx | 6.630% | $0.00 | 1 |  |  |  | No | No | 7.250% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $229763.20 | 32.130% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 11.97 |  | Yes | No | xxxxxx | $25352.84 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 846381 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $8042.50 | $13058.85 |  | 7.037% | $5038.65 | $5038.65 | 6.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $11279.27 | 1 | xxxxxx | $3350.04 | xxxxxx | $279.17 | xxxxxx | xxxxxx | $803.00 |  | Monthly | 42.427% | 42.427% | 42.427% | 08/04/2025 | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $8042.50 |  | 6.610% | $0.00 | 1 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $1248892.20 | 100.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 163.8 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 846416 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $8210.00 | $12375.95 | xxxxxx | 7.206% | $6234.38 | $8219.61 | 7.125% | No | No | Self-Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $14057.16 | 1 | xxxxxx | $5876.04 | xxxxxx | $489.67 |  |  |  |  |  | 43.818% | 35.883% | 43.818% | 08/19/2025 | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025 |  | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $8210.00 | xxxxxx | 6.570% | $0.00 |  |  |  |  | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  | 240 | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 21.67 |  |  | No | xxxxxx | $12510.29 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 846428 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1662.43 | $1662.43 | 7.750% | No | No |  |  |  |  | 0 |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | 1 | xxxxxx | $796.68 | xxxxxx | $66.39 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/15/2025 | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.3 |  |  |  | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 0.99 |  |  |  |  |  |  |  | xxxxxx | $36163.27 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | No | 16.92 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 846437 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $7711.43 | $9076.17 | xxxxxx | 7.210% | $6784.66 | $6784.66 | 7.125% | No | No | Self-Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $13308.97 | 1 | xxxxxx | $3673.92 | xxxxxx | $306.16 | xxxxxx | xxxxxx | $182.00 |  | Monthly | 47.358% | 47.358% | 47.358% | 08/07/2025 | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7711.43 | xxxxxx | 6.610% | $35739.09 | 1.1 |  |  |  | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 10.15 |  |  | No | xxxxxx | $12641.01 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 846448 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $14674.00 | $16304.36 | xxxxxx | 7.942% | $3730.07 | $3730.07 | 7.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $5580.36 | 1 | xxxxxx | $5066.04 | xxxxxx | $422.17 |  |  |  |  |  | 49.581% | 49.581% | 49.581% | 07/24/2025 | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - Year Not Available<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $14674.00 | xxxxxx | 6.610% | $7000.00 | 1 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $56581.34 | 9.120% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 48.32 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 846478 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $11983.40 | $13319.43 | xxxxxx | 8.761% | $4059.25 | $4059.25 | 8.500% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $10915.84 | 2 | xxxxxx | $3123.60 | xxxxxx | $260.30 |  |  |  |  |  | 31.056% | 31.056% | 31.056% | 08/04/2025 | 689 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; W-2 Transcript - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; Account Transcripts - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Account Transcripts - 2023<br> [Borrower]; Transcripts (1040) - 2023 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $11983.40 | xxxxxx | 6.610% | $13198.00 |  |  |  |  | N/A | No | 8.500% | 1 |  | 0 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $202233.46 | 30.640% | No | 9 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.96 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 846482 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2096.84 | $2096.84 | 7.625% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1071.96 | xxxxxx | $89.33 | xxxxxx |  | $1380.00 |  | Annually | 0.000% | 0.000% | 0.000% | 05/07/2025 | 717 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.21 | 0.82 |  |  |  |  |  |  |  | xxxxxx | $115268.85 | 29.180% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 26.85 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 846491 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $17825.00 | $20963.83 | xxxxxx | 6.621% | $10745.16 | $10745.16 | 6.500% | No | No | Not Employed | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $19102.06 | 1 | xxxxxx | $4827.00 | xxxxxx | $402.25 |  |  |  |  |  | 47.666% | 47.666% | 47.666% | 07/23/2025 | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Employer Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - Year Not Available<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Wages]; Employer Letter - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Wages]; Other - Year Not Available |  | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $17825.00 | xxxxxx | 6.750% | $0.00 | 1 |  |  |  | No | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx |  |  | No |  | 29 |  |  | Yes | Preliminary | Fee Simple | Trust | Business Entity | Individual | xxxxxx |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 55.34 |  |  | No | xxxxxx | $0.00 | $36500.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 846498 | xxxxxx | N/A |  |  | xxxxxx | No | No | $36593.00 | $15225.13 |  | 7.696% | $5390.94 | $5390.94 | 7.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $203026.63 | 1 | xxxxxx | $3075.96 | xxxxxx | $256.33 |  |  |  |  |  | 10.310% | 10.310% | 10.310% | 08/06/2025 | 727 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $36593.00 |  | 6.610% | $0.00 | 1 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 2 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $747248.14 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 226.41 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 846513 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $10818.42 | $13661.24 | xxxxxx | 6.805% | $2381.63 | $2381.63 | 6.500% | No | No | Employed | Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $2883.32 | 1 | xxxxxx | $2331.96 | xxxxxx | $194.33 |  |  |  |  |  | 52.154% | 52.154% | 52.154% | 06/10/2025 | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $10818.42 | xxxxxx | 6.770% | $5000.00 | 1 | DU |  | ApproveEligible | Yes | No | 6.500% | 0 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $196554.15 | 41.730% | No | 4 | 29 |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  | 67.68 |  |  | No | xxxxxx | $0.00 | $2526.23 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 846519 | xxxxxx | N/A |  |  | xxxxxx | No | No | $13766.00 | $4765.65 | xxxxxx | 7.692% | $2825.51 | $2825.51 | 7.625% | No | No | Not Employed | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $15197.64 | 1 | xxxxxx | $1250.04 | xxxxxx | $104.17 |  |  |  |  |  | 23.894% | 23.894% | 23.894% | 06/20/2025 | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| 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]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $13766.00 | xxxxxx | 6.570% | $0.00 |  |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $116631.32 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 18.89 |  | No | Yes | xxxxxx | $19969.09 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 846522 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $7724.00 | $11049.44 | xxxxxx | 9.459% | $4812.65 | $4812.65 | 9.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $12676.28 | 1 | xxxxxx | $1695.96 | xxxxxx | $141.33 |  |  |  |  |  | 38.720% | 38.720% | 38.720% | 08/06/2025 | 695 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7724.00 | xxxxxx | 6.610% | $0.00 | 1 |  |  |  | N/A | No | 9.250% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | xxxxxx | $206567.06 | 31.770% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 21.7 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 846536 | xxxxxx | Higher Priced QM (APOR) |  |  | xxxxxx | Yes | No | $14815.25 | $7366.28 | xxxxxx | 8.301% | $5555.62 | $5555.62 | 8.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $54393.52 | 1 | xxxxxx | $1680.00 | xxxxxx | $140.00 |  |  |  |  |  | 17.506% | 17.506% | 17.506% | 08/15/2025 | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 33.330% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 33.33% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 33.33% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 33.33% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 33.33% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 33.33% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 33.33% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 33.33% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 33.33% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 33.33% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $14815.25 | xxxxxx | 6.570% | $17300.00 | 1 |  |  |  | N/A | No | 8.250% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $95854.91 | 11.010% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.05 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 846555 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $13662.50 | $15367.24 | xxxxxx | 7.851% | $2223.97 | $2223.97 | 7.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $13398.58 | 1 | xxxxxx | $1074.96 | xxxxxx | $89.58 | xxxxxx |  | $768.00 |  | Monthly | 33.411% | 33.411% | 33.411% | 08/12/2025 | 651 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 85.000% | 100.000% |  |  | [Borrower - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $13662.50 | xxxxxx | 6.610% | $0.00 | 2.5 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $241793.93 | 52.560% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 25.57 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 846674 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $4905.00 | $6095.65 | xxxxxx | 7.270% | $985.40 | $985.40 | 6.875% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $5392.97 | 1 | xxxxxx | $5917.56 | xxxxxx | $493.13 | xxxxxx | xxxxxx | $297.00 |  | Monthly | 37.291% | 37.291% | 37.291% | 08/21/2025 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025 |  | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $4905.00 | xxxxxx | 6.540% | $0.00 |  |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No | 32 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 54.3 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 846728 | xxxxxx | N/A |  |  | xxxxxx | No | No | $21384.00 | $4737.75 | xxxxxx | 7.683% | $6242.74 | $6242.74 | 7.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $171636.30 | 1 | xxxxxx | $1237.80 | xxxxxx | $103.15 |  |  |  |  |  | 15.808% | 15.808% | 15.808% | 07/23/2025 | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 49.810% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 49.81% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 49.81% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 49.81% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 49.81% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 49.81% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 49.81% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2016 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $21384.00 | xxxxxx | 6.610% | $0.00 | 1.4 |  |  |  | No | No | 7.625% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $508306.89 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 206.21 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 846729 | xxxxxx | N/A |  |  | xxxxxx | No | No | $55323.00 | $24904.81 | xxxxxx | 7.256% | $9149.10 | $9149.10 | 7.125% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $32436.79 | 1 | xxxxxx | $1703.04 | xxxxxx | $141.92 | xxxxxx | xxxxxx | $130.00 |  | Monthly | 41.918% | 41.918% | 41.918% | 07/31/2025 | 706 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $55323.00 | xxxxxx | 6.610% | $0.00 | 1 |  |  |  | Yes | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 19.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 114.35 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 846732 | xxxxxx | N/A |  |  | xxxxxx | No | No | $21730.00 | $7936.73 | xxxxxx | 7.023% | $3379.90 | $3379.90 | 6.875% | No | No | Not Employed | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $11412.54 | 2 | xxxxxx | $3913.08 | xxxxxx | $326.09 |  |  |  |  |  | 48.883% | 48.883% | 48.883% | 08/25/2025 | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Partnership (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - xxxxxx \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023 |  | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $21730.00 | xxxxxx | 6.610% | $0.00 |  |  |  |  | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $537804.02 |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 205.2 |  | No | No | xxxxxx | ($3129.46) | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 846740 | xxxxxx | N/A |  |  | xxxxxx | No | No | $15521.50 | $8976.77 | xxxxxx | 7.723% | $1813.02 | $1813.02 | 7.375% | No | No | Employed | Non-Employment Income |  |  |  |  | Permanent Resident Alien | xxxxxx |  |  |  |  |  |  | $4612.32 | 1 | xxxxxx | $500.04 | xxxxxx | $41.67 |  |  |  |  |  | 43.578% | 43.578% | 43.578% | 08/04/2025 | 726 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - Year Not Available<br> [Coborrower(s) - xxxxxx \| Primary Income - Annuity]; Account Statements - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Annuity]; Award Letter / Continuance Letter - 2022 | [Borrower]; Transcripts (1040) - 2025<br> [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $15521.50 | xxxxxx | 6.610% | $0.00 | 1.3 |  |  |  | Yes | No | 7.375% | 1 | 0 | 1 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $5193.04 |  | No | 31 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | Resident Alien Card |  |  |  | No | 116.12 |  | No | No | xxxxxx | $5000.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 846749 | xxxxxx | N/A |  |  | xxxxxx | No | No | $5653.20 | $7265.58 | xxxxxx | 7.697% | $2153.58 | $2153.58 | 7.500% | No | No | Not Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $3038.30 | 2 | xxxxxx | $1851.96 | xxxxxx | $154.33 |  |  |  |  |  | 4.585% | 4.585% | 4.585% | 08/28/2025 | 721 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $5653.20 | xxxxxx | 6.750% | $0.00 |  |  |  |  | N/A | No | 7.500% | 0 |  | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $29079.78 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 6.64 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 846762 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $695.00 | $8220.00 | xxxxxx | 7.060% | $5987.73 | $5987.73 | 7.000% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $14715.53 | 1 | xxxxxx | $4288.92 | xxxxxx | $357.41 |  |  |  |  |  | 36.445% | 36.445% | 36.445% | 08/21/2025 | 807 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025 |  | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $695.00 | xxxxxx | 6.570% | $0.00 |  |  |  |  | N/A | No | 7.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $700079.93 | 46.670% | No | 32 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.86 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 846794 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $3593.00 | $8753.00 |  | 7.621% | $3910.01 | $3910.01 | 7.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $105034.60 | 1 | xxxxxx | $871.80 | xxxxxx | $72.65 | xxxxxx | xxxxxx | $560.00 |  | Monthly | 6.936% | 6.936% | 6.936% | 08/18/2025 | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $3593.00 |  | 6.540% | $2000.00 | 1 |  |  |  | Yes | No | 7.500% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $64238.46 | 9.190% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 18.77 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 846802 | xxxxxx | N/A |  |  | xxxxxx | No | No | $17690.75 | $10100.95 | xxxxxx | 7.234% | $2512.79 | $2512.79 | 7.000% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $9006.77 | 1 | xxxxxx | $1779.96 | xxxxxx | $148.33 | xxxxxx | xxxxxx | $1175.00 |  | Annually | 46.574% | 46.574% | 46.574% | 06/01/2025 | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $17690.75 | xxxxxx | 6.670% | $0.00 | 1 |  |  |  | No | No | 7.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $206190.42 | 43.670% | No | 30 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 22.92 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 846816 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $14967.50 | $17127.24 | xxxxxx | 8.121% | $3244.63 | $3244.63 | 7.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $6636.80 | 1 | xxxxxx | $10437.00 | xxxxxx | $869.75 |  |  |  |  |  | 42.937% | 42.937% | 42.937% | 07/09/2025 | 741 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - Year Not Available<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $14967.50 | xxxxxx | 6.790% | $0.00 | 1 |  |  |  | Yes | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 18.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 8.89 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 846818 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $26125.00 | $7088.83 |  | 7.550% | $6572.62 | $6572.62 | 7.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $12809.96 | 1 | xxxxxx | $4068.00 | xxxxxx | $339.00 |  |  |  |  |  | 42.077% | 42.077% | 42.077% | 07/23/2025 | 717 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $26125.00 |  | 6.630% | $0.00 | 1.8 |  |  |  | No | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 18.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 16.21 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 846820 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $19990.00 | $6969.13 | xxxxxx | 7.135% | $12490.74 | $12490.74 | 7.125% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $214369.41 | 1 | xxxxxx | $923.04 | xxxxxx | $76.92 |  |  |  |  |  | 9.535% | 9.535% | 9.535% | 07/25/2025 | 721 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 40.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $19990.00 | xxxxxx | 6.790% | $0.00 | 2.3 |  |  |  | No | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $194795.70 | 7.880% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 27.49 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 846821 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $18251.69 | $9433.34 | xxxxxx | 7.363% | $4251.52 | $4251.52 | 7.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $9467.59 | 1 | xxxxxx | $846.12 | xxxxxx | $70.51 | xxxxxx | xxxxxx | $158.00 |  | Monthly | 38.778% | 38.778% | 38.778% | 08/05/2025 | 740 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $18251.69 | xxxxxx | 6.750% | $0.00 | 1 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 19.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $50729.04 | 6.510% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.54 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 846825 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $3942.37 | $5597.92 | xxxxxx | 7.581% | $4173.93 | $4173.93 | 7.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $20699.51 | 1 | xxxxxx | $1557.00 | xxxxxx | $129.75 | xxxxxx | xxxxxx | $240.00 |  | Monthly | 28.167% | 28.167% | 28.167% | 07/30/2025 | 695 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $3942.37 | xxxxxx | 6.610% | $34906.02 | 2.1 |  |  |  | Yes | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 18.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $336132.23 | 39.410% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 49.2 |  | Yes | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 846827 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $9244.00 | $2911.50 | xxxxxx | 7.567% | $2198.33 | $2198.33 | 7.500% | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $4552.05 | 1 | xxxxxx | $1505.04 | xxxxxx | $125.42 | xxxxxx | xxxxxx | $168.00 |  | Annually | 43.099% | 43.099% | 43.099% | 07/09/2025 | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $9244.00 | xxxxxx | 6.750% | $0.00 | 1.7 |  |  |  | No | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $28862.47 | 7.340% | No | 25 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 7.41 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 846836 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $9250.00 | $10581.33 | xxxxxx | 7.246% | $1786.85 | $1786.85 | 6.875% | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $9328.13 | 1 | xxxxxx | $4775.16 | xxxxxx | $397.93 | xxxxxx | xxxxxx | $250.00 |  | Annually | 30.903% | 30.903% | 30.903% | 07/13/2025 | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $9250.00 | xxxxxx | 6.610% | $10000.00 | 3.7 |  |  |  | No | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $132927.68 | 39.090% | No | 30 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 23.32 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 846841 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $17290.00 | $6769.11 | xxxxxx | 7.444% | $4862.35 | $4862.35 | 7.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $15655.83 | 1 | xxxxxx | $1132.56 | xxxxxx | $94.38 | xxxxxx | xxxxxx | $492.00 |  | Monthly | 42.310% | 42.310% | 42.310% | 07/08/2025 | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $17290.00 | xxxxxx | 6.750% | $5000.00 | 1 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 18.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $265223.99 | 28.820% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.31 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 846842 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $9890.00 | $14754.00 | xxxxxx | 7.430% | $5075.39 | $5075.39 | 7.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $11771.20 | 1 | xxxxxx | $1715.04 | xxxxxx | $142.92 |  |  |  |  |  | 37.451% | 37.451% | 37.451% | 08/01/2025 | 727 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $9890.00 | xxxxxx | 6.750% | $199500.00 | 1 |  |  |  | Yes | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 19.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $26885.00 | 2.890% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.16 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 846843 | xxxxxx | N/A |  |  | xxxxxx | No | No | $42050.00 | $14907.50 | xxxxxx | 8.673% | $8110.89 | $9608.08 | 9.327% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $25704.30 | 1 | xxxxxx | $2682.72 | xxxxxx | $223.56 |  |  |  |  |  | 27.796% | 27.744% | 27.796% | 08/05/2025 | 735 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $42050.00 | xxxxxx | 6.770% | $0.00 | 2.4 |  |  |  | No | No | 9.327% | 0 |  | 0 | 0 | 0 | 0 |  |  | 19.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $43500.00 | 3.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 15.73 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 846844 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $2745.00 | $8012.16 | xxxxxx | 7.826% | $6533.68 | $6533.68 | 7.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $20856.14 | 1 | xxxxxx | $3657.00 | xxxxxx | $304.75 | xxxxxx | xxxxxx | $105.00 |  | Monthly | 49.205% | 49.205% | 49.205% | 07/28/2025 | 693 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2745.00 | xxxxxx | 6.630% | $0.00 | 1 |  |  |  | Yes | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 19.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $161929.59 | 14.200% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.06 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 846845 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $4707.02 | $4707.02 | 7.000% | No | No |  |  |  |  | 0 |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | 1 | xxxxxx | $864.00 | xxxxxx | $72.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/25/2025 | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.15 | 0.86 |  |  |  |  |  |  |  | xxxxxx | $34969.66 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | Yes | 115.62 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 846847 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $8294.27 | $8294.27 | 8.125% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2577.00 | xxxxxx | $214.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/04/2025 | 712 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.81 | 1.22 |  |  |  |  |  |  | 240 | xxxxxx | $0.00 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | Yes | 116.75 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 846858 | xxxxxx | N/A |  |  | xxxxxx | No | No | $20390.00 | $25678.92 | xxxxxx | 7.866% | $4754.66 | $4754.66 | 7.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $11138.33 | 1 | xxxxxx | $1281.00 | xxxxxx | $106.75 |  |  |  |  |  | 42.634% | 42.634% | 42.634% | 08/01/2025 | 726 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $20390.00 | xxxxxx | 6.750% | $10000.00 | 1.7 |  |  |  | No | No | 7.500% | 0 |  | 0 | 0 | 2 | 0 |  |  | 19.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $26314.86 | 3.090% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.78 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 846860 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $2745.00 | $8739.93 | xxxxxx | 7.402% | $9185.98 | $9185.98 | 7.375% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $43596.35 | 1 | xxxxxx | $4439.04 | xxxxxx | $369.92 |  |  |  |  |  | 23.246% | 23.246% | 23.246% | 07/08/2025 | 740 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2745.00 | xxxxxx | 6.750% | $0.00 | 1 |  |  |  | Yes | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx |  |  | No | 31 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 9.33 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 846862 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $6170.00 | $9492.38 | xxxxxx | 7.360% | $4475.08 | $4475.08 | 7.250% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $15454.45 | 1 | xxxxxx | $2328.96 | xxxxxx | $194.08 | xxxxxx | xxxxxx | $1236.00 |  | Annually | 29.785% | 29.785% | 29.785% | 07/10/2025 | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $6170.00 | xxxxxx | 6.750% | $15000.00 | 2.3 |  |  |  | Yes | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 18.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $198010.20 | 24.140% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 6.22 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 846863 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $7500.00 | $9365.62 | xxxxxx | 7.271% | $2170.55 | $2170.55 | 7.000% | No | No | Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  | $5087.72 | 1 | xxxxxx | $1185.96 | xxxxxx | $98.83 | xxxxxx |  | $1200.00 |  | Annually | 38.554% | 38.554% | 38.554% | 08/01/2025 | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7500.00 | xxxxxx | 6.750% | $0.00 | 1 |  |  |  | No | No | 7.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $98693.02 | 22.680% | No | 31 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  |  | 8.57 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 846866 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $7535.00 | $8871.00 | xxxxxx | 7.278% | $3665.03 | $3665.03 | 7.125% | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $6862.44 | 1 | xxxxxx | $4907.16 | xxxxxx | $408.93 | xxxxxx |  | $675.00 |  | Annually | 42.813% | 42.813% | 42.813% | 07/29/2025 | 718 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7535.00 | xxxxxx | 6.630% | $10150.00 | 1 |  |  |  | Yes | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $187485.81 | 27.570% | No | 25 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 8.63 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 846868 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $8740.00 | $11550.25 | xxxxxx | 6.828% | $2161.67 | $2161.67 | 6.500% | No | No | Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  | $4739.92 | 1 | xxxxxx | $1317.96 | xxxxxx | $109.83 |  |  |  |  |  | 41.483% | 41.483% | 41.483% | 07/09/2025 | 711 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $8740.00 | xxxxxx | 6.610% | $0.00 | 2.8 |  |  |  | No | No | 6.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $61406.34 | 10.770% | No | 30 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  |  | 6.7 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 846869 | xxxxxx | N/A |  |  | xxxxxx | No | No | $13916.00 | $4052.92 | xxxxxx | 7.357% | $2483.12 | $2483.12 | 7.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $27011.60 | 1 | xxxxxx | $1124.52 | xxxxxx | $93.71 |  |  |  |  |  | 44.673% | 44.673% | 44.673% | 06/13/2025 | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $13916.00 | xxxxxx | 6.610% | $0.00 | 1 |  |  |  | Yes | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 19.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $30969.64 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 39.51 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 846915 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $9125.00 | $20140.17 | xxxxxx | 8.218% | $9584.04 | $9584.04 | 8.125% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $11264.94 | 1 | xxxxxx | $3314.04 | xxxxxx | $276.17 | xxxxxx | xxxxxx | $750.00 |  | Annually | 54.940% | 54.940% | 54.940% | 07/10/2025 | 706 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $9125.00 | xxxxxx | 6.630% | $0.00 |  |  |  |  | Yes | No | 8.125% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $196137.82 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 13.94 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 846921 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $16377.19 | $22457.94 | xxxxxx | 7.666% | $7393.36 | $7393.36 | 7.500% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $17258.35 | 1 | xxxxxx | $4724.64 | xxxxxx | $393.72 | xxxxxx | xxxxxx | $123.00 |  | Monthly | 44.515% | 44.515% | 44.515% | 07/02/2025 | 727 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - xxxxxx \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - Year Not Available | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Tax Return Extension - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $16377.19 | xxxxxx | 6.830% | $36500.00 | 1 | LP / LPA |  | Accept/Ineligible | No | No | 7.500% | 2 |  | 2 | 0 | 3 | 2 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $37530.94 | 3.190% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.04 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 846927 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $6499.00 | $9042.76 | xxxxxx | 7.409% | $2899.24 | $2899.24 | 7.250% | No | No | Self-Employed | Not Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $14396.43 | 1 | xxxxxx | $851.04 | xxxxxx | $70.92 | xxxxxx | xxxxxx | $166.00 |  | Monthly | 29.289% | 29.289% | 29.289% | 07/25/2025 | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $6499.00 | xxxxxx | 6.630% | $9999.98 | 2.6 |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $305323.05 | 61.060% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 81.83 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 846935 | xxxxxx | Higher Priced QM (APOR) |  |  | xxxxxx | Yes | No | $7933.40 | $9258.93 | xxxxxx | 8.159% | $2465.24 | $2465.24 | 7.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $44576.99 | 1 | xxxxxx | $782.88 | xxxxxx | $65.24 | xxxxxx |  | $1153.00 |  | Monthly | 26.640% | 26.640% | 26.640% | 07/11/2025 | 735 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 49.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2023 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7933.40 | xxxxxx | 6.610% | $0.00 | 1.2 |  |  |  | Yes | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $96945.31 | 22.810% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 64.91 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 846966 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $2344.00 | $11462.00 | xxxxxx | 7.516% | $11800.00 | $15209.60 | 7.500% | No | No | Not Employed | Non-Employment Income |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $28020.72 | 1 | xxxxxx | $12044.52 | xxxxxx | $1003.71 |  |  |  |  |  | 38.840% | 31.398% | 38.840% | 07/02/2025 | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Coborrower(s) - xxxxxx \| Primary Income - Asset Depletion]; Account Statements - 2025 |  | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2344.00 | xxxxxx | 6.670% | $0.00 |  |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  | 240 | xxxxxx | $3998960.03 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Trust | Business Entity | Individual | xxxxxx |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 235.87 |  | No | No | xxxxxx | $45815.70 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 846975 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $7710.60 | $13878.04 | xxxxxx | 7.476% | $6077.94 | $6077.94 | 7.375% | No | No | Self-Employed | Not Employed |  |  |  |  | xxxxxx | Permanent Resident Alien |  |  |  |  |  |  | $42725.06 | 1 | xxxxxx | $8208.00 | xxxxxx | $684.00 |  |  |  |  |  | 37.022% | 37.022% | 37.022% | 06/17/2025 | 726 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 50.000% |  |  | [Borrower - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| 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 - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Bank Statements \| % of Business Ownership: 40.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $7710.60 | xxxxxx | 6.630% | $0.00 | 2.6 |  |  |  | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $423200.49 | 38.470% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | 30.04 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 846982 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $11950.00 | $9358.11 | xxxxxx | 7.210% | $2661.21 | $2661.21 | 7.000% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $6841.97 | 1 | xxxxxx | $2252.04 | xxxxxx | $187.67 |  |  |  |  |  | 35.357% | 35.357% | 35.357% | 07/22/2025 | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $11950.00 | xxxxxx | 6.790% | $0.00 | 1 |  |  |  | Yes | No | 7.000% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $85611.53 | 10.700% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 22.66 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 846990 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $7870.00 | $9767.75 | xxxxxx | 7.071% | $1686.36 | $1686.36 | 6.750% | No | No | Self-Employed | Self-Employed |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | $4167.83 | 1 | xxxxxx | $3462.96 | xxxxxx | $288.58 | xxxxxx | xxxxxx | $525.00 |  | Annually | 40.520% | 40.520% | 40.520% | 08/21/2025 | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2024<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - Year Not Available<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7870.00 | xxxxxx | 6.630% | $2500.00 | 1 |  |  |  | Yes | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 19.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $42411.70 | 13.040% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  | Resident Alien Card | Resident Alien Card |  |  |  | 9.44 |  |  | No | xxxxxx | $3503.54 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 847004 | xxxxxx | N/A |  |  | xxxxxx | No | No | $77489.64 | $25852.51 |  | 9.022% | $14878.49 | $14878.49 | 8.875% | No | No | Not Employed | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  | $75897.95 | 1 | xxxxxx | $1169.04 | xxxxxx | $97.42 | xxxxxx | xxxxxx | $240.00 |  | Monthly | 41.913% | 41.913% | 41.913% | 05/19/2025 | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2021 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $77489.64 |  | 6.610% | $32000.00 | 1.7 |  |  |  | No | No | 8.875% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | xxxxxx | $65999.70 | 3.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 39.58 |  | No | No | xxxxxx | $130661.72 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 847081 | xxxxxx | N/A |  |  | xxxxxx | No | No | $7434.94 | $9403.62 | xxxxxx | 7.720% | $1714.60 | $1714.60 | 7.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $170234.57 | 1 | xxxxxx | $949.20 | xxxxxx | $79.10 |  |  |  |  |  | 16.721% | 16.721% | 16.721% | 07/23/2025 | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 49.810% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 49.81% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 49.81% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 49.81% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 49.81% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 49.81% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 49.81% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7434.94 | xxxxxx | 6.630% | $0.00 | 1 |  |  |  | No | No | 7.375% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $508306.89 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 380.96 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 847091 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $26785.00 | $37932.33 | xxxxxx | 8.521% | $16600.42 | $20430.39 | 9.339% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $46019.82 | 1 | xxxxxx | $3028.92 | xxxxxx | $252.41 |  |  |  |  |  | 41.608% | 40.668% | 41.608% | 06/29/2025 | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - Year Not Available<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $26785.00 | xxxxxx | 6.760% | $0.00 | 3.6 |  |  |  | No | No | 9.339% | 0 |  | 0 | 0 | 0 | 0 |  |  | 18.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $179062.48 | 5.810% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.46 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 847093 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $6325.00 | $8488.00 | xxxxxx | 7.509% | $1923.74 | $1923.74 | 7.250% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $4250.25 | 1 | xxxxxx | $1163.52 | xxxxxx | $96.96 | xxxxxx |  | $533.00 |  | Annually | 45.718% | 45.718% | 45.718% | 07/22/2025 | 739 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $6325.00 | xxxxxx | 6.750% | $2500.00 | 2.6 |  |  |  | No | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $109708.52 | 31.120% | No | 30 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.86 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 847113 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $19307.30 | $25794.95 | xxxxxx | 7.323% | $5075.75 | $5075.75 | 6.999% | No | No | Non-Employment Income | Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $6944.40 | 1 | xxxxxx | $3376.08 | xxxxxx | $281.34 |  |  |  |  |  | 45.711% | 45.711% | 45.711% | 07/03/2025 | 709 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; WVOE - 2025 | [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $19307.30 | xxxxxx | 6.610% | $0.00 | 2.1 |  |  |  | N/A | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx |  |  | No |  | 28 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No |  |  |  | No | xxxxxx | $0.00 | $11500.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 847114 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2447.02 | $2447.02 | 7.499% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 2 | xxxxxx | $1065.00 | xxxxxx | $88.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 06/26/2025 | 667 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.499% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.83 | 1.19 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 31.09 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 847117 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2918.40 | $2918.40 | 6.749% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1219.92 | xxxxxx | $101.66 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/08/2025 | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.6 |  |  |  | N/A | No | 6.749% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.79 | 1.25 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 56.08 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 847155 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $13403.00 | $17159.74 | xxxxxx | 8.002% | $4264.09 | $4264.09 | 7.750% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $13204.37 | 1 | xxxxxx | $3445.32 | xxxxxx | $287.11 |  |  |  |  |  | 37.425% | 37.425% | 37.425% | 08/04/2025 | 707 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $13403.00 | xxxxxx | 6.630% | $0.00 | 1 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $56739.61 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 68.75 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 847180 | xxxxxx | N/A |  |  | xxxxxx | No | No | $1795.00 | $3097.13 | xxxxxx | 8.588% | $2651.21 | $2651.21 | 8.500% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $8669.51 | 1 | xxxxxx | $2423.04 | xxxxxx | $201.92 |  |  |  |  |  | 49.757% | 49.757% | 49.757% | 07/16/2025 | 689 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; W-2 - 2023<br> [Borrower - xxxxxx \| Non-Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Account Transcripts - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1795.00 | xxxxxx | 6.630% | $1620.00 | 2.6 | DU |  | ApproveEligible | No | No | 8.500% | 2 |  | 2 | 0 | 2 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $609228.11 | 100.000% | No | 30 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 154 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 847194 | xxxxxx | Higher Priced QM (APOR) |  |  | xxxxxx | Yes | No | $21958.75 | $28593.41 | xxxxxx | 8.134% | $13024.32 | $13024.32 | 8.000% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $46792.75 | 1 | xxxxxx | $7055.52 | xxxxxx | $587.96 |  |  |  |  |  | 39.449% | 39.449% | 39.449% | 07/31/2025 | 682 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $21958.75 | xxxxxx | 6.630% | $0.00 | 1.8 |  |  |  | N/A | No | 8.000% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $24047.94 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 13.25 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 847204 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $1890.00 | $2888.96 |  | 8.902% | $601.95 | $601.95 | 8.375% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $3404.50 | 1 | xxxxxx | $1448.04 | xxxxxx | $120.67 |  |  |  |  |  | 34.709% | 34.709% | 34.709% | 07/28/2025 | 725 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1890.00 |  | 6.100% | $0.00 | 2.7 |  |  |  | No | No | 8.375% | 0 |  | 2 | 0 | 2 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx |  |  | No | 2 |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 4.625% | xxxxxx | xxxxxx | $623.40 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 43.1 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 847205 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $20155.00 | $25688.65 | xxxxxx | 7.217% | $4598.51 | $4598.51 | 6.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $15685.78 | 1 | xxxxxx | $1710.00 | xxxxxx | $142.50 |  |  |  |  |  | 40.843% | 40.843% | 40.843% | 08/27/2025 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025 |  | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $20155.00 | xxxxxx | 6.570% | $26750.00 |  |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 20.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $807980.58 | 58.540% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 20.18 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 847234 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1764.54 | $1764.54 | 7.999% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $1039.80 | xxxxxx | $86.65 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/11/2025 | 668 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.999% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.1 | 0.91 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 45.43 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 847235 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1448.31 | $1448.31 | 7.999% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $839.16 | xxxxxx | $69.93 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/11/2025 | 668 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.999% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.1 | 0.91 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 57.06 |  |  | Yes | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 847238 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $5366.75 | $5366.75 | 8.625% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $5030.16 | xxxxxx | $419.18 | xxxxxx | xxxxxx | $248.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 08/04/2025 | 671 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.7 |  |  |  | N/A | No | 8.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.65 | 1.54 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.63 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 847244 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1366.02 | $1366.02 | 8.500% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2789.04 | xxxxxx | $232.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 07/10/2025 | 683 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.1 | 0.91 |  |  |  |  |  |  | 240 | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 92.52 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 847250 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $1981.82 | $1981.82 | 7.625% | No | No |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  | 1 | xxxxxx | $3187.20 | xxxxxx | $265.60 | xxxxxx | xxxxxx | $833.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 07/18/2025 | 689 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.92 | 1.09 |  |  |  |  |  |  |  | xxxxxx | $11047.14 | 2.760% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 35.1 |  |  | Yes | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 847262 | xxxxxx | N/A |  | Yes | xxxxxx | No | No | $53225.25 | $27857.83 | xxxxxx | 8.357% | $4187.28 | $4187.28 | 7.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $24013.23 | 1 | xxxxxx | $6299.88 | xxxxxx | $524.99 |  |  |  |  |  | 42.874% | 42.874% | 42.874% | 08/07/2025 | 685 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025 |  | Alternative Documentation (A) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $53225.25 | xxxxxx | 6.790% | $0.00 | 1 |  |  |  | Yes | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $587556.33 | 73.440% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 54.34 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 847269 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $14744.72 | $223.32 | xxxxxx | 8.365% | $2553.78 | $2553.78 | 8.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $11080.39 | 1 | xxxxxx | $1250.04 | xxxxxx | $104.17 | xxxxxx | xxxxxx | $647.00 |  | Monthly | 38.575% | 38.575% | 38.575% | 06/05/2025 | 681 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  | xxxxxx | xxxxxx | $14744.72 | xxxxxx | 6.750% | $25000.00 | 1 |  |  |  | N/A | No | 8.375% | 0 |  | 0 | 0 | 2 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $112709.74 | 26.830% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.62 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 847278 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $14531.90 | $8721.79 | xxxxxx | 8.552% | $3078.29 | $3078.29 | 8.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $22474.84 | 1 | xxxxxx | $963.96 | xxxxxx | $80.33 |  |  |  |  |  | 30.559% | 30.559% | 30.559% | 08/12/2025 | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2008 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $14531.90 | xxxxxx | 6.630% | $0.00 | 1 |  |  |  | N/A | No | 8.375% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $73500.00 | 16.330% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.56 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 847322 | xxxxxx | N/A |  |  | xxxxxx | No | No | $37780.68 | $22260.60 | xxxxxx | 7.704% | $4299.45 | $4299.45 | 7.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $32380.40 | 1 | xxxxxx | $1143.96 | xxxxxx | $95.33 |  |  |  |  |  | 29.900% | 29.900% | 29.900% | 08/12/2025 | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2001 |  | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $37780.68 | xxxxxx | 6.630% | $0.00 | 1 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $276173.59 | 33.270% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 847368 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $4850.00 | $10699.68 | xxxxxx | 7.874% | $2972.73 | $2972.73 | 7.625% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $10396.03 | 1 | xxxxxx | $1734.96 | xxxxxx | $144.58 | xxxxxx | xxxxxx | $300.00 |  | Annually | 35.670% | 35.670% | 35.670% | 08/28/2025 | 748 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2021 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $4850.00 | xxxxxx | 6.570% | $0.00 | 1 |  |  |  | Yes | No | 7.625% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $487.20 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | No | 40.55 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 847377 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $20425.00 | $0.00 | xxxxxx | 8.484% | $7161.77 | $7161.77 | 8.499% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $22381.33 | 1 | xxxxxx | $1608.60 | xxxxxx | $134.05 |  |  |  |  |  | 29.542% | 29.542% | 29.542% | 07/23/2025 | 714 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: % \| Expense Ratio Source: \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $20425.00 | xxxxxx | 6.790% | $0.00 | 1.3 |  |  |  | N/A | No | 8.499% | 0 |  | 0 | 0 | 0 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 847380 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $10625.00 | $6387.67 | xxxxxx | 7.879% | $1769.31 | $1769.31 | 7.624% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  | $3534.00 | 1 | xxxxxx | $2333.04 | xxxxxx | $194.42 |  |  |  |  |  | 47.430% | 47.430% | 47.430% | 07/28/2025 | 731 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025 |  | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $10625.00 | xxxxxx | 6.750% | $0.00 | 1.5 |  |  |  | N/A | No | 7.624% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Passport |  |  |  | No |  |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No | Mortgagor Focused |
| xxxxxx | 847386 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $18134.13 | $0.00 | xxxxxx | 7.740% | $4256.15 | $4256.15 | 7.749% | No | No | Self-Employed | Self-Employed |  |  |  |  | xxxxxx | Permanent Resident Alien |  |  |  |  |  |  | $32123.24 | 1 | xxxxxx | $1778.04 | xxxxxx | $148.17 |  |  |  |  |  | 14.890% | 14.890% | 14.890% | 05/29/2025 | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 81.000% | 19.000% |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 81.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 81.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 81.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 81.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $18134.13 | xxxxxx | 6.750% | $20970.00 | 1 |  |  |  | Yes | No | 7.749% | 0 | 0 | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $128927.12 | 18.440% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | 15.29 |  |  | No | xxxxxx | $7171.16 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 847392 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $11684.18 | $11684.18 | 7.865% | No | No |  |  |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $2363.04 | xxxxxx | $196.92 | xxxxxx | xxxxxx | $335.00 |  | Monthly | 0.000% | 0.000% | 0.000% | 08/13/2025 | 753 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx |  |  |  | $0.00 | 2.2 |  |  |  | N/A | No | 7.865% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.46 | 2.14 |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No |  |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Property Focused |
| xxxxxx | 847394 | xxxxxx | N/A |  |  | xxxxxx | No | No | $116301.25 | $45395.02 | xxxxxx | 8.314% | $10831.08 | $10831.08 | 7.990% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $353959.61 | 1 | xxxxxx | $40194.12 | xxxxxx | $3349.51 |  |  |  |  |  | 8.383% | 8.383% | 8.383% | 06/26/2025 | 662 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| 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 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 | No | xxxxxx | xxxxxx | $116301.25 | xxxxxx | 6.610% | $0.00 | 1 |  |  |  | N/A | No | 7.990% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 847401 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $999.00 | $2282.42 | xxxxxx | 8.571% | $1922.28 | $1922.28 | 8.500% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $5651.60 | 1 | xxxxxx | $4788.24 | xxxxxx | $399.02 |  |  |  |  |  | 48.622% | 48.622% | 48.622% | 06/18/2025 | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $999.00 | xxxxxx | 6.770% | $0.00 | 3.2 |  |  |  | No | No | 8.500% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  | 1 | xxxxxx | 4.375% | xxxxxx | xxxxxx | $2196.86 | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 15.99 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 847444 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $8645.04 | $9670.04 | xxxxxx | 7.389% | $2423.72 | $2423.72 | 7.125% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $4855.12 | 1 | xxxxxx | $1181.52 | xxxxxx | $98.46 | xxxxxx |  | $66.00 |  | Monthly | 41.561% | 41.561% | 41.561% | 07/21/2025 | 703 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $8645.04 | xxxxxx | 6.750% | $26981.00 | 1.2 |  |  |  | No | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 19.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $33855.44 | 7.520% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 4.37 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 847448 | xxxxxx | Higher Priced QM (APOR) |  |  | xxxxxx | Yes | No | $10000.00 | $2943.75 | xxxxxx | 8.451% | $2736.26 | $2736.26 | 8.375% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $21806.50 | 1 | xxxxxx | $7077.00 | xxxxxx | $589.75 |  |  |  |  |  | 35.046% | 35.046% | 35.046% | 07/28/2025 | 673 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $10000.00 | xxxxxx | 6.630% | $10000.00 | 1 |  |  |  | No | No | 8.375% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $3500.00 | 0.770% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 25.01 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 847452 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $9097.40 | $11457.90 | xxxxxx | 7.913% | $2013.74 | $2013.74 | 7.500% | No | No | Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  | $4632.32 | 1 | xxxxxx | $2099.52 | xxxxxx | $174.96 | xxxxxx |  | $150.00 |  | Annually | 40.961% | 40.961% | 40.961% | 07/14/2025 | 712 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $9097.40 | xxxxxx | 6.630% | $0.00 | 1 |  |  |  | Yes | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $17085.86 | 4.740% | No | 24 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  |  | 9.66 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 847457 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $13227.78 | $14964.84 | xxxxxx | 7.532% | $3636.49 | $3636.49 | 7.250% | No | No | Employed | Employed |  |  |  |  | xxxxxx | Permanent Resident Alien |  |  |  |  |  |  | $5959.27 | 1 | xxxxxx | $2004.96 | xxxxxx | $167.08 | xxxxxx | xxxxxx | $77.00 |  | Monthly | 47.181% | 47.181% | 47.181% | 06/26/2025 | 695 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - Year Not Available<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $13227.78 | xxxxxx | 6.610% | $0.00 | 1 |  |  |  | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $96165.90 | 14.430% | No | 30 | 30 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | 5.43 |  | Yes | No | xxxxxx | $0.00 | $3782.33 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 847459 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $7805.00 | $9050.22 | xxxxxx | 7.970% | $2980.27 | $2980.27 | 7.750% | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $9059.54 | 1 | xxxxxx | $2160.24 | xxxxxx | $180.02 | xxxxxx | xxxxxx | $42.00 |  | Monthly | 32.892% | 32.892% | 32.892% | 07/16/2025 | 683 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7805.00 | xxxxxx | 6.610% | $15394.81 | 1 |  |  |  | Yes | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $86148.15 | 16.560% | No | 30 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 6.24 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 847776 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $10882.00 | $2626.69 | xxxxxx | 7.309% | $2339.86 | $2339.86 | 7.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $31995.60 | 1 | xxxxxx | $1686.96 | xxxxxx | $140.58 |  |  |  |  |  | 9.249% | 9.249% | 9.249% | 08/21/2025 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $10882.00 | xxxxxx | 6.540% | $0.00 | 1 |  |  |  | No | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $110834.39 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 82.06 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 847778 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $7882.50 | $2640.36 | xxxxxx | 9.200% | $3112.15 | $3112.15 | 9.125% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $4874.55 | 1 | xxxxxx | $1681.20 | xxxxxx | $140.10 |  |  |  |  |  | 49.612% | 49.612% | 49.612% | 07/16/2025 | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| 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 - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| 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 - xxxxxx \| 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 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $7882.50 | xxxxxx | 6.750% | $28000.00 | 1 |  |  |  | Yes | No | 9.125% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $32136.39 | 7.560% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.05 |  | Yes | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 847779 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $8725.00 | $10293.04 | xxxxxx | 8.557% | $2471.67 | $2471.67 | 8.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $6080.28 | 1 | xxxxxx | $4515.84 | xxxxxx | $376.32 | xxxxxx | xxxxxx | $340.00 |  | Annually | 46.885% | 46.885% | 46.885% | 07/06/2025 | 626 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2008 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $8725.00 | xxxxxx | 6.790% | $9400.00 |  |  |  |  | N/A | No | 8.250% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $693513.56 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 172.65 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 847789 | xxxxxx | Higher Priced QM (APOR) |  |  | xxxxxx | Yes | No | $2551.35 | $5551.68 |  | 8.107% | $1602.40 | $1602.40 | 7.875% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $14104.05 | 1 | xxxxxx | $1029.12 | xxxxxx | $85.76 | xxxxxx | xxxxxx | $530.00 |  | Monthly | 15.745% | 15.745% | 15.745% | 07/30/2025 | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2551.35 |  | 6.320% | $2000.00 | 1 |  |  |  | N/A | No | 7.875% | 1 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $459549.13 | 100.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 159.38 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 847812 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $1790.00 | $3459.64 | xxxxxx | 7.952% | $2320.23 | $2320.23 | 7.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $18319.33 | 1 | xxxxxx | $2327.04 | xxxxxx | $193.92 |  |  |  |  |  | 27.356% | 27.356% | 27.356% | 08/19/2025 | 626 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $1790.00 | xxxxxx | 6.540% | $100000.00 | 1 |  |  |  | Yes | No | 7.875% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | xxxxxx | $115000.00 | 22.110% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 15.73 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 847820 | xxxxxx | N/A |  |  | xxxxxx | No | No | $39649.25 | $22969.63 | xxxxxx | 8.359% | $4292.11 | $4292.11 | 7.999% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | xxxxxx |  |  |  | $12189.62 | 1 | xxxxxx | $1518.00 | xxxxxx | $126.50 |  |  |  |  |  | 23.753% | 23.753% | 23.753% | 06/05/2025 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $39649.25 | xxxxxx | 6.750% | $0.00 | 1.3 |  |  |  | N/A | No | 7.999% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $39750.00 | 5.090% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Passport |  |  |  |  | 4.7 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No | No | No | Mortgagor Focused |
| xxxxxx | 847824 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $15840.00 | $8253.55 | xxxxxx | 6.519% | $3742.83 | $3742.83 | 6.374% | No | No | Non-Employment Income |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $12403.42 | 1 | xxxxxx | $3956.04 | xxxxxx | $329.67 |  |  |  |  |  | 31.797% | 31.797% | 31.797% | 07/07/2025 | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - xxxxxx \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $15840.00 | xxxxxx | 6.630% | $18000.00 | 1 |  |  |  | N/A | No | 6.374% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  | 60 | Not Stated |  |  |  | xxxxxx | $2429002.68 | 100.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 312.61 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 847828 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $6670.00 | $8478.20 | xxxxxx | 6.837% | $1794.00 | $2080.80 | 6.624% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $3375.52 | 1 | xxxxxx | $0.00 | xxxxxx | $0.00 | xxxxxx | xxxxxx | $550.00 |  | Monthly | 48.955% | 44.618% | 48.955% | 07/16/2025 | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Audited P&L - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $6670.00 | xxxxxx | 6.630% | $0.00 | 3.9 |  |  |  | N/A | No | 6.624% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  | 360 | xxxxxx | $0.00 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 847831 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $14672.50 | $18468.56 | xxxxxx | 8.784% | $3262.31 | $3262.31 | 8.374% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $19946.22 | 1 | xxxxxx | $2232.00 | xxxxxx | $186.00 |  |  |  |  |  | 29.008% | 29.008% | 29.008% | 08/05/2025 | 682 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $14672.50 | xxxxxx | 6.610% | $0.00 | 1.6 |  |  |  | N/A | No | 8.374% | 0 |  | 0 | 0 | 0 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $16000.00 | 3.160% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 40.66 |  | Yes | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 847832 | xxxxxx | N/A |  |  | xxxxxx | No | No | $33600.00 | $7140.31 | xxxxxx | 7.734% | $4755.92 | $4755.92 | 7.624% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $30248.43 | 1 | xxxxxx | $885.00 | xxxxxx | $73.75 |  |  |  |  |  | 35.177% | 35.177% | 35.177% | 08/04/2025 | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Sole Proprietor]; P&L Statement - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 2yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $33600.00 | xxxxxx | 6.610% | $0.00 | 1 |  |  |  | N/A | No | 7.624% | 0 |  | 0 | 0 | 0 | 0 |  |  | 24 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $435454.28 | 51.830% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 45.65 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 847835 | xxxxxx | N/A |  |  | xxxxxx | No | No | $28495.00 | $13676.77 | xxxxxx | 7.716% | $2401.18 | $2401.18 | 7.365% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $7111.25 | 1 | xxxxxx | $1797.00 | xxxxxx | $149.75 | xxxxxx | xxxxxx | $409.00 |  | Monthly | 34.096% | 34.096% | 34.096% | 07/23/2025 | 734 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr P&L w/Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes | xxxxxx | xxxxxx | $28495.00 | xxxxxx | 6.630% | $0.00 | 1 |  |  |  | N/A | No | 7.365% | 0 |  | 0 | 0 | 0 | 0 |  |  | 19.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $106902.89 | 24.570% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 1.32 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 847836 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $8755.00 | $11219.36 | xxxxxx | 6.755% | $2197.31 | $2197.31 | 6.490% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $5178.64 | 1 | xxxxxx | $1359.96 | xxxxxx | $113.33 | xxxxxx | xxxxxx | $89.00 |  | Monthly | 44.153% | 44.153% | 44.153% | 08/04/2025 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 90.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $8755.00 | xxxxxx | 6.610% | $0.00 | 2.6 |  |  |  | N/A | No | 6.490% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $89878.99 | 20.660% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.13 |  | Yes | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 847873 | xxxxxx | N/A |  |  | xxxxxx | No | No |  |  |  |  | $2338.07 | $2338.07 | 6.625% | No | No |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | 1 | xxxxxx | $1085.04 | xxxxxx | $90.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/26/2025 | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx |  |  |  | $0.00 | 1.6 |  |  |  | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.95 |  |  |  |  |  |  | 240 | xxxxxx | $127121.44 | 21.010% | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 0.6 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Property Focused |
| xxxxxx | 847897 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $13345.00 | $19778.60 | xxxxxx | 7.976% | $3737.15 | $3737.15 | 7.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $17014.65 | 1 | xxxxxx | $2744.04 | xxxxxx | $228.67 |  |  |  |  |  | 41.556% | 41.556% | 41.556% | 08/18/2025 | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - Year Not Available<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021 | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $13345.00 | xxxxxx | 6.570% | $0.00 | 1 |  |  |  | Yes | No | 7.625% | 0 |  | 0 | 0 | 4 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $181786.70 | 27.540% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 18.11 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 847965 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $7600.00 | $8889.49 |  | 7.082% | $2693.41 | $2693.41 | 6.875% | No | No | Employed | Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $11427.47 | 1 | xxxxxx | $5706.96 | xxxxxx | $475.58 | xxxxxx | xxxxxx | $150.00 |  | Monthly | 33.527% | 33.527% | 33.527% | 08/05/2025 | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $7600.00 |  | 6.610% | $0.00 | 1.4 |  |  |  | No | No | 6.875% | 1 | 1 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  | No | 10.16 |  |  | No | xxxxxx | $0.00 | $5966.13 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 847967 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $12287.50 | $4141.78 | xxxxxx | 7.167% | $5841.14 | $5841.14 | 7.125% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $18258.08 | 1 | xxxxxx | $5354.04 | xxxxxx | $446.17 |  |  |  |  |  | 32.799% | 32.799% | 32.799% | 07/21/2025 | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2021 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $12287.50 | xxxxxx | 6.630% | $0.00 | 1.7 |  |  |  | Yes | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 18.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $813268.53 | 75.020% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 74.82 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 847970 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $15485.00 | $20214.29 | xxxxxx | 7.644% | $3520.03 | $3520.03 | 7.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $11436.08 | 1 | xxxxxx | $982.20 | xxxxxx | $81.85 |  |  |  |  |  | 27.389% | 27.389% | 27.389% | 07/08/2025 | 748 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $15485.00 | xxxxxx | 6.630% | $0.00 | 1 |  |  |  | Yes | No | 7.250% | 0 |  | 0 | 0 | 2 | 0 |  |  | 19.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $15000.00 | 2.320% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.24 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 847971 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $10270.60 | $11394.03 | xxxxxx | 7.035% | $4511.26 | $4511.26 | 6.875% | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $6003.05 | 1 | xxxxxx | $1251.00 | xxxxxx | $104.25 | xxxxxx |  | $650.00 |  | Annually | 48.152% | 48.152% | 48.152% | 08/07/2025 | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $10270.60 | xxxxxx | 6.630% | $2500.00 | 1 |  |  |  | No | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $220151.30 | 25.640% | No | 31 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 7.38 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 847972 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $8020.00 | $9555.17 | xxxxxx | 7.240% | $2607.99 | $2607.99 | 7.000% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $4614.20 | 1 | xxxxxx | $980.04 | xxxxxx | $81.67 | xxxxxx | xxxxxx | $450.00 |  | Annually | 47.417% | 47.417% | 47.417% | 07/25/2025 | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Employer Letter - Year Not Available<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $8020.00 | xxxxxx | 6.610% | $8000.00 | 1 |  |  |  | Yes | No | 7.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $164931.60 | 33.650% | No | 31 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 19.51 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 847978 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $10760.00 | $6424.00 | xxxxxx | 7.549% | $1989.14 | $1989.14 | 7.375% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $9459.89 | 1 | xxxxxx | $1360.68 | xxxxxx | $113.39 | xxxxxx |  | $614.00 |  | Annually | 21.491% | 21.491% | 21.491% | 08/13/2025 | 740 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $10760.00 | xxxxxx | 6.610% | $0.00 | 1.2 |  |  |  | Yes | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 19.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $73905.92 | 20.520% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 8.63 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 847979 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $15690.00 | $18123.06 | xxxxxx | 7.136% | $4677.33 | $4677.33 | 6.875% | No | No | Employed | Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $11806.69 | 1 | xxxxxx | $1750.80 | xxxxxx | $145.90 |  |  |  |  |  | 35.543% | 35.543% | 35.543% | 08/14/2025 | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $15690.00 | xxxxxx | 6.610% | $0.00 | 1 |  |  |  | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $600.00 | 0.060% | No | 31 | 31 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 4.22 |  |  | No | xxxxxx | $0.00 | $4629.33 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 847984 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $10065.00 | $13063.08 |  | 7.457% | $4584.22 | $4584.22 | 7.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $28414.05 | 1 | xxxxxx | $2319.12 | xxxxxx | $193.26 |  |  |  |  |  | 29.040% | 29.040% | 29.040% | 08/06/2025 | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $10065.00 |  | 6.610% | $0.00 | 1 |  |  |  | Yes | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 19.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $26152.50 | 3.110% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.03 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 847987 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $22650.00 | $9100.63 | xxxxxx | 7.409% | $8001.47 | $8001.47 | 7.375% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $23928.06 | 1 | xxxxxx | $2082.12 | xxxxxx | $173.51 | xxxxxx | xxxxxx | $100.00 |  | Monthly | 43.872% | 43.872% | 43.872% | 08/12/2025 | 701 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $22650.00 | xxxxxx | 6.630% | $0.00 | 1 |  |  |  | No | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 19.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 13.75 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 847991 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $2245.00 | $7144.89 | xxxxxx | 7.030% | $6340.33 | $6340.33 | 7.000% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $16710.29 | 1 | xxxxxx | $1689.96 | xxxxxx | $140.83 |  |  |  |  |  | 46.496% | 46.496% | 46.496% | 08/14/2025 | 710 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2245.00 | xxxxxx | 6.610% | $0.00 | 1.4 |  |  |  | No | No | 7.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 19.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $2335.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 847999 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $9391.88 | $13630.37 | xxxxxx | 7.664% | $4625.30 | $4625.30 | 7.500% | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $8679.44 | 1 | xxxxxx | $1968.00 | xxxxxx | $164.00 | xxxxxx | xxxxxx | $418.00 |  | Monthly | 42.581% | 42.581% | 42.581% | 06/26/2025 | 696 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $9391.88 | xxxxxx | 6.610% | $0.00 | 1.5 |  |  |  | Yes | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $49907.11 |  | No | 31 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | No | 24.51 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 848000 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $6395.00 | $7094.54 | xxxxxx | 7.465% | $2353.51 | $2353.51 | 7.250% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $6780.09 | 1 | xxxxxx | $1451.04 | xxxxxx | $120.92 |  |  |  |  |  | 44.212% | 44.212% | 44.212% | 08/03/2025 | 660 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $6395.00 | xxxxxx | 6.610% | $0.00 | 1 |  |  |  | Yes | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $134111.14 | 29.150% | No | 31 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.77 |  | Yes | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 848001 | xxxxxx | N/A |  |  | xxxxxx | No | No | $32150.00 | $16351.56 | xxxxxx | 7.452% | $4604.69 | $4604.69 | 7.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $42347.15 | 4 | xxxxxx | $1653.72 | xxxxxx | $137.81 |  |  |  |  |  | 24.097% | 24.097% | 24.097% | 07/28/2025 | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2014 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $32150.00 | xxxxxx | 6.630% | $0.00 |  |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $49525.84 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 144.9 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 848017 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $25720.00 | $29338.94 | xxxxxx | 7.125% | $7226.22 | $7226.22 | 6.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $27417.07 | 1 | xxxxxx | $2166.96 | xxxxxx | $180.58 |  |  |  |  |  | 33.114% | 33.114% | 33.114% | 08/07/2025 | 727 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2018 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $25720.00 | xxxxxx | 6.630% | $0.00 | 1.5 |  |  |  | No | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 19.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $16758.93 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 29.85 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 848147 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $4331.43 | $2884.45 | xxxxxx | 9.167% | $1298.30 | $1298.30 | 8.990% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $19089.52 | 1 | xxxxxx | $1378.08 | xxxxxx | $114.84 |  |  |  |  |  | 16.788% | 16.788% | 16.788% | 09/02/2025 | 716 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2018 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $4331.43 | xxxxxx | 6.540% | $0.00 | 1 |  |  |  | N/A | No | 8.990% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $232762.04 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 238.97 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 848180 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $2245.00 | $7780.00 | xxxxxx | 7.029% | $7185.27 | $7185.27 | 7.000% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $25677.23 | 1 | xxxxxx | $1751.04 | xxxxxx | $145.92 |  |  |  |  |  | 41.595% | 41.595% | 41.595% | 08/13/2025 | 732 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $2245.00 | xxxxxx | 6.630% | $0.00 | 4.1 |  |  |  | No | No | 7.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 19.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 14.66 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 848181 | xxxxxx | N/A |  |  | xxxxxx | No | No | $32064.50 | $15332.28 | xxxxxx | 7.507% | $4249.96 | $4249.96 | 7.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $55374.74 | 1 | xxxxxx | $1629.96 | xxxxxx | $135.83 |  |  |  |  |  | 25.492% | 25.492% | 25.492% | 07/18/2025 | 716 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $32064.50 | xxxxxx | 6.610% | $0.00 | 2.4 |  |  |  | No | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $34363.18 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 25.44 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 848229 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $16098.90 | $19069.55 | xxxxxx | 9.053% | $3655.61 | $3655.61 | 8.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $32309.31 | 1 | xxxxxx | $1902.72 | xxxxxx | $158.56 |  |  |  |  |  | 22.639% | 22.639% | 22.639% | 06/11/2025 | 642 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 51.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2019<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2007<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 | No | xxxxxx | xxxxxx | $16098.90 | xxxxxx | 6.770% | $0.00 | 2.2 |  |  |  | No | No | 8.625% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $15231.83 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 49.33 |  |  | No | xxxxxx | $0.00 | $0.00 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 848303 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $6310.00 | $8433.25 | xxxxxx | 8.134% | $2233.21 | $2233.21 | 7.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $7045.59 | 1 | xxxxxx | $1009.08 | xxxxxx | $84.09 | xxxxxx | xxxxxx | $432.00 |  | Monthly | 31.443% | 31.443% | 31.443% | 08/06/2025 | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - Year Not Available | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023 | Alternative Documentation (A) | 2yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $6310.00 | xxxxxx | 6.750% | $0.00 | 2.6 |  |  |  | Yes | No | 7.875% | 0 |  | 0 | 0 | 2 | 0 |  |  | 24.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $43354.33 | 11.260% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.38 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 848304 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $19113.73 | $18639.31 | xxxxxx | 8.092% | $7232.57 | $7232.57 | 7.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $71650.99 | 1 | xxxxxx | $1914.00 | xxxxxx | $159.50 | xxxxxx | xxxxxx | $1638.00 |  | Monthly | 13.815% | 13.815% | 13.815% | 07/16/2025 | 678 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| 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 - xxxxxx \| 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 - 2012<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2008<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $19113.73 | xxxxxx | 6.630% | $0.00 |  |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $4558.41 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 31.6 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 848464 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $10612.84 | $11327.80 | xxxxxx | 7.248% | $1970.29 | $1970.29 | 6.875% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $8063.25 | 1 | xxxxxx | $4018.44 | xxxxxx | $334.87 |  |  |  |  |  | 30.932% | 30.932% | 30.932% | 06/13/2025 | 735 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $10612.84 | xxxxxx | 6.320% | $19000.00 | 3.5 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | xxxxxx | $113182.98 | 28.300% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.55 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 848574 | xxxxxx | N/A |  |  | xxxxxx | No | No | $25015.00 | $9111.70 | xxxxxx | 7.202% | $2392.68 | $2392.68 | 6.990% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $20206.48 | 1 | xxxxxx | $1164.96 | xxxxxx | $97.08 |  |  |  |  |  | 44.291% | 44.291% | 44.291% | 06/27/2025 | 730 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 | Yes | xxxxxx | xxxxxx | $25015.00 | xxxxxx | 6.750% | $0.00 | 1 |  |  |  | N/A | No | 6.990% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 14.98 |  | No | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 848578 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $16645.00 | $21085.65 | xxxxxx | 7.272% | $4386.57 | $4386.57 | 6.990% | No | No | Employed | Self-Employed |  |  |  |  | xxxxxx | xxxxxx |  |  |  |  |  |  | $18606.38 | 1 | xxxxxx | $2175.00 | xxxxxx | $181.25 | xxxxxx | xxxxxx | $72.00 |  | Annually | 23.308% | 23.308% | 23.308% | 07/26/2025 | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 73.000% |  | 100.000% |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - xxxxxx \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $16645.00 | xxxxxx | 6.630% | $1650.00 | 1.9 |  |  |  | N/A | No | 6.990% | 2 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $345396.29 | 39.240% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | 24.97 |  |  | No | xxxxxx | $17790.38 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 848581 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $6290.00 | $9241.28 | xxxxxx | 6.907% | $1262.83 | $1262.83 | 6.490% | No | No | Non-Employment Income |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $6107.78 | 1 | xxxxxx | $1065.96 | xxxxxx | $88.83 | xxxxxx | xxxxxx | $352.00 |  | Monthly | 29.569% | 29.568% | 29.568% | 08/05/2025 | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - xxxxxx \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - xxxxxx \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - xxxxxx \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - xxxxxx \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $6290.00 | xxxxxx | 6.750% | $0.00 | 1 |  |  |  | N/A | No | 6.490% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  | 60 |  |  |  |  | xxxxxx | $553316.30 | 83.830% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 223.58 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 848584 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $10275.00 | $14587.03 | xxxxxx | 7.117% | $5636.08 | $5636.08 | 6.990% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $9801.34 | 1 | xxxxxx | $3456.00 | xxxxxx | $288.00 |  |  |  |  |  | 41.994% | 41.994% | 41.994% | 08/11/2025 | 738 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - xxxxxx \| 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 - xxxxxx \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2021 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  | xxxxxx | xxxxxx | $10275.00 | xxxxxx | 6.630% | $0.00 | 1.2 |  |  |  | N/A | No | 6.990% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $52123.37 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 8.28 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 848842 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $14750.00 | $1937.44 | xxxxxx | 7.289% | $3820.19 | $3820.19 | 7.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $32542.37 | 1 | xxxxxx | $4053.00 | xxxxxx | $337.75 |  |  |  |  |  | 18.802% | 18.802% | 18.802% | 07/31/2025 | 688 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - Year Not Available<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - Year Not Available | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $14750.00 | xxxxxx | 6.750% | $0.00 | 2 |  |  |  | No | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 19.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 11.8 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 848846 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $8073.23 | $11250.96 | xxxxxx | 7.684% | $4180.07 | $4180.07 | 7.500% | No | No | Employed | Employed |  |  |  |  | xxxxxx | Permanent Resident Alien |  |  |  |  |  |  | $11667.04 | 1 | xxxxxx | $1677.00 | xxxxxx | $139.75 | xxxxxx |  | $92.50 |  | Monthly | 41.665% | 41.665% | 41.665% | 07/10/2025 | 719 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - xxxxxx \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $8073.23 | xxxxxx | 6.610% | $7000.00 | 1 |  |  |  | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $204725.20 | 27.390% | No | 30 | 30 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | 5.37 |  |  | No | xxxxxx | $0.00 | $9500.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 848847 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $15027.50 | $16207.00 | xxxxxx | 8.031% | $3121.37 | $3121.37 | 7.625% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $10066.41 | 1 | xxxxxx | $3032.04 | xxxxxx | $252.67 | xxxxxx | xxxxxx | $650.00 |  | Monthly | 38.585% | 38.585% | 38.585% | 08/14/2025 | 701 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Business License - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2008 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $15027.50 | xxxxxx | 6.610% | $0.00 | 1 |  |  |  | No | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 19.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 14.76 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 848849 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $8018.00 | $2406.75 | xxxxxx | 6.822% | $2321.98 | $2321.98 | 6.750% | No | No | Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | $4037.37 | 1 | xxxxxx | $3043.80 | xxxxxx | $253.65 |  |  |  |  |  | 48.569% | 48.569% | 48.569% | 08/14/2025 | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $8018.00 | xxxxxx | 6.610% | $0.00 | 1 |  |  |  | Yes | No | 6.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $34145.01 |  | No | 31 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  | No | 7.33 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 848853 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $12950.90 | $15828.70 | xxxxxx | 8.013% | $9280.89 | $9280.89 | 7.875% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $28517.02 | 1 | xxxxxx | $3476.04 | xxxxxx | $289.67 | xxxxxx |  | $2711.03 |  | Monthly | 38.541% | 38.541% | 38.541% | 08/05/2025 | 692 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $12950.90 | xxxxxx | 6.610% | $12335.94 | 4.2 |  |  |  | Yes | No | 7.875% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $753029.81 | 47.060% | No | 31 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 29.8 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 848857 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $3968.75 | $7116.78 | xxxxxx | 7.463% | $3755.55 | $3755.55 | 7.375% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $16081.81 | 1 | xxxxxx | $1911.96 | xxxxxx | $159.33 | xxxxxx | xxxxxx | $780.00 |  | Annually | 43.309% | 43.309% | 43.309% | 07/23/2025 | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2023<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2022<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $3968.75 | xxxxxx | 6.630% | $0.00 | 3.4 |  |  |  | Yes | No | 7.375% | 0 |  | 0 | 0 | 2 | 0 |  |  | 18.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $187263.47 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | No | 30.13 |  | No | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No | Mortgagor Focused |
| xxxxxx | 848858 | xxxxxx | Non QM |  |  | xxxxxx | Yes | No | $6926.88 | $7839.55 | xxxxxx | 7.817% | $1175.87 | $1175.87 | 7.375% | No | No | Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $3561.28 | 1 | xxxxxx | $2068.08 | xxxxxx | $172.34 |  |  |  |  |  | 40.645% | 40.645% | 40.645% | 08/11/2025 | 668 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - xxxxxx \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | WVOE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $6926.88 | xxxxxx | 6.630% | $0.00 | 1 |  |  |  | Yes | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | xxxxxx | $57048.59 | 25.130% | No | 26 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.31 |  |  | No | xxxxxx | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | Mortgagor Focused |
| xxxxxx | 848872 | xxxxxx | Safe Harbor QM (APOR) |  |  | xxxxxx | Yes | No | $16013.50 | $6263.75 | xxxxxx | 7.329% | $4183.10 | $4183.10 | 7.250% | No | No | Self-Employed |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  | $10267.72 | 1 | xxxxxx | $2589.48 | xxxxxx | $215.79 |  |  |  |  |  | 43.077% | 43.077% | 43.077% | 07/28/2025 | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - xxxxxx \| Primary Income - P&L Statement Only]; Third Party Verification - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No | xxxxxx | xxxxxx | $16013.50 | xxxxxx | 6.570% | $5900.00 | 1 |  |  |  | Yes | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 19.00 | No |  |  |  |  |  | Not Stated |  |  |  | xxxxxx | $223549.07 | 29.160% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.34 |  |  | No | xxxxxx | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No | Mortgagor Focused |

---

## Exhibit 99.8

**EXHIBIT 99.8**

**amc TAX AND TITLE REPORT**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Client LN** | **SitusAMC ID** | **Seller LN** | **Servicer LN** | **Address** | **City** | **ST** | **Zip** | **Trade** | **Title Report Effective Date** | **Title Report Date** | **Tax Certificate Effective Date** | **Subject Lien Recorded** | **Number of Pages Recorded** | **Subject Mortgage Originator** | **Origination Balance** | **Origination Date** | **Recording Date** | **Mortgage Book** | **Mortgage Page** | **Mortgage Doc Number** | **County of Recording** | **State of Recording** | **Critical Defect** | **SMtg Open** | **Address Variation** | **Origination Vesting** | **Current Vesting** | **SMtg First Position Mortgage** | **Prior Lien / Judgment** | **Municipal Lien** | **Association Super Lien** | **Property Tax Lien** | **Property Tax Status** | **SMtg Lien Position (Mortgages)** | **Critical Exception Count** | **Prior Mortgage Exception Count** | **Prior Mortgage Exception Total** | **Prior Mortgage Exception Details** | **Prior Lien Exception Count** | **Prior Lien Exception Total** | **Prior Lien Exception Details** | **Municipal Lien Exception Count** | **Municipal Lien Exception Total** | **Municipal Lien Exception Details** | **Property Tax Lien Exception Count** | **Property Tax Lien Exception Total** | **Property Tax Lien Exception Details** | **Association Lien Exception Count** | **Association Lien Exception Total** | **Association Lien Exception Details** | **IRS Lien Exception Count** | **IRS Lien Exception Total** | **IRS Lien Exception Details** | **Deed Vesting Exception Categories** | **Property Tax Status Issue** | **DQ Property Tax Amount** | **Property Tax Status Details** | **Final Event Level** | **Title Exceptions** | **Title Comments** |
| 806745 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 20 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| 843993 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 22 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| 844441 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 14 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| 844717 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 21 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| 844718 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 25 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| 844719 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 21 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Mortgage | A Subordinate Mortgage was recorded on xxxxxx by xxxxxx |
| 844722 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 29 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| 844723 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 25 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| 844724 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 26 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| 844725 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 24 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| 844726 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 26 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| 844727 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 27 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| 844728 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 24 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| 844729 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 19 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| 844731 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 28 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| 844732 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 25 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| 844733 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 27 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 2 | Subordinate Mortgage | A Subordinate Mortgage was recorded on xxxxxx by xxxxxx $xxxxxx |
| 844734 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 25 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| 844736 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 26 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| 844738 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 27 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Fail | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Property Address Discrepancy | Client Address of xxxxxx vs Title Report Address of Lot xxxxxx |
| 844739 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 24 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  | Tax Report Not Available |  |  | 1 |  |  |
| 844741 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 27 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 2 | Subordinate Liens/Judgments | Subordinate Liens/Judgments were identified totaling $xxxxxx |
| 844750 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 18 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| 844751 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 20 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| 844757 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 25 | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  |  | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |
| 844758 | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx |  | Yes | 18 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | Pass | 1 | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  | 1 |  |  |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Client LN** | **SitusAMC ID** | **Seller LN** | **Address** | **City** | **ST** | **Zip** | **Trade** | **Origination Balance** | **Origination Date** | **Unique Exception ID** | **Exception Grade** | **Raw Exception Grade** | **Exception Category** | **Exception Subcategory** | **Exception Type** | **SOL Expired** | **SOL Expiration Date** | **Exception Detail** | **Title Policy** | **Title Policy Insurer** | **Title Policy Effective Date** | **Title Policy Exception** | **Paid on HUD** | **CBR Status** | **Borrower Vested on Title Policy** | **Lien Amount** | **Accrual Rate** | **Lienholder** | **Recording Date** | **Additional Exception Information** |
| 844719 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  |  | xxxxxx |  | xxxxxx | xxxxxx | Subordinate Mortgage - A Subordinate Mortgage was recorded on xxxxxx by xxxxxx IAO $xxxxxx |
| 844733 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 2 | 2 | Title Diligence | Subordinate Mortgage | Subordinate Mortgage |  |  |  |  |  |  |  |  |  |  | xxxxxx |  | xxxxxx | xxxxxx | Subordinate Mortgage - A Subordinate Mortgage was recorded on xxxxxx by xxxxxx xxxxxx |
| 844738 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 2 | 2 | Title Diligence | Address Variation | Property Address Discrepancy |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Property Address Discrepancy - Client Address of xxxxxx vs Title Report Address of xxxxxx |
| 844741 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 2 | 2 | Title Diligence | Subordinate Lien | Subordinate Liens/Judgments |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Subordinate Liens/Judgments - Subordinate Liens/Judgments were identified totaling $xxxxxx |

---

## Exhibit 99.9

**EXHIBIT 99.9**

**Canopy Financial Technology Partners, LLC ("Canopy") Narrative**

![](tm2529922d1_ex99-9img001.jpg)

**NARRATIVE**

**Verus 2025-11**

**By Canopy Financial Technology Partners LLC on October 29, 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

![](tm2529922d1_ex99-9img001.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 VMC Asset Pooler, LLC (the "Client") or its affiliated company. The Review was conducted from April 2025 to October 2025 via files imaged and provided by the Client for review.

The Review consisted of a population of two hundred twenty-three (223) Loans with an aggregate principal balance of $126,663,782.

The Review was conducted consistent with the criteria for the specific Nationally Recognized Statistical Rating Organizations (NRSROs); Fitch Ratings, Inc. and Kroll Bond Rating Agency, LLC

**Data Integrity**

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

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Logic Applied** |
| &nbsp;&nbsp;All Borrower Total Income | &nbsp;&nbsp;Apply 2.5% Tolerance If AUS = Yes and DTI > 0 or if AUS = No and DTI between 0 and 43, Do not Apply Tolerance if DTI >= 43 and AUS = No |
| &nbsp;&nbsp;Amortized Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 1 Citizen | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 1 Self Employed Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 2 Citizen | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 2 Self-Employment Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Business Purpose Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Combined LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;.25% tolerance |
| &nbsp;&nbsp;Escrow Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Final Reviewed QM Status | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;First Interest Rate Change Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Higher Priced Mortgage Loan (HPML) Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Index | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;No tolerance |

---

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

![](tm2529922d1_ex99-9img001.jpg)

---

| | |
|:---|:---|
| &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;

· Monthly
 debt service;

· Occupancy;

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

![](tm2529922d1_ex99-9img001.jpg)

· 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)).

**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:

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

![](tm2529922d1_ex99-9img001.jpg)

&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

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

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

![](tm2529922d1_ex99-9img001.jpg)

**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.

**"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.

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

![](tm2529922d1_ex99-9img001.jpg)

**"Material Compliance Violation":** In the event that no express statement existed in the Loan File, Canopy assessed any and all documentation provided to determine what the actual use of the proceeds were, to best identify that the "primary purpose" of the loan was not in fact for "business purpose" as relied upon by the lender, but is in fact for a "consumer purpose". If, in fact, evidence existed that the proceeds were used for personal, Consumer Purpose, then Canopy identified that the "primary purpose" of the loan is not "business purpose" and as "consumer purpose" subject to the full Consumer Purpose regulatory compliance obligations of an originator as it applies to an assignee, with a material compliance exception of a "C" grade.

**"Material Compliance Violation" to "B" Grade:** The above noted Material Compliance Violation was re-graded to a "B" grade by conducting a full Consumer Purpose regulatory compliance review, as applicable to assignees for Consumer Purpose loans, and in the event that the loan did not violate any applicable regulatory compliance obligations, the loan was re-graded as a "B" grade final finding.

**Compliance Review**

Canopy reviewed each Loan File and, if applicable, verified that it was consummated in compliance with the applicable federal, state, and local anti-predatory lending statutes in effect at the time of origination of the mortgage loan. Canopy' review included, but was not limited to, the verification and validation that each mortgage loan met the relevant provisions of:

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

(ii) the **Truth in Lending Act** (" <u>TILA</u> "), as amended by HOEPA, 15 U.S.C. §1601
 et seq., as implemented by Regulation Z, 12 C.F.R. Part 1026;

(iii) the **Real Estate Settlement Procedures Act** (" <u>RESPA</u> "), 12 U.S.C. §2603,
 as implemented by Regulation X, 12 C.F.R. Part 1024;

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

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

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

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

ii. Note,
 including all addendums

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

iv. Mortgage
 / Deed of Trust, including all riders

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

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)

vii. Notice
 of Right to Cancel (as applicable)

viii. Rate
 Lock Date Information;

ix. HOEPA
 Disclosures (if applicable)

x. Initial
 Escrow Account Disclosure

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. **TILA/RESPA Integrated Disclosure Testing ("TRID")**. A review and comparison of LEs and
 CDs with a report outlining any TILA violations, including a re-calculation of disclosed
 finance charge, principal and interest calculations, proper completion of the Projected Payments
 table, total of payments, finance charge, amount financed, recalculation of disclosed APR
 and a review to determine disclosure differences were within the allowed tolerances and disclosures
 were provided within the required timeframes. Testing will be conducted to fulfill the elements
 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;&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;&nbsp;&nbsp;&nbsp;&nbsp;iii. **Qualified Mortgage and Ability to Repay**. A review to ensure the mortgage loan meets the applicable
 Qualified Mortgage ("QM") and Ability-to-Repay ("ATR") requirements
 as set forth in regulations promulgated by the Consumer Financial Protection Bureau as found
 at 12 CFR § 1026.43. QM and ATR testing is detailed below.

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

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

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

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

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

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

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

**State & Local Anti-Predatory Requirements**

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

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

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

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

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

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· 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).

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

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· 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.

**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.

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· 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.**

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**GRADING COMPONENTS**

**Due Diligence Grading Criteria**

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

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, Fitch Ratings, Inc. and Kroll Bond Rating Agency, LLC.

---

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

---

---

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

---

---

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

---

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---

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

---

**FINDINGS SUMMARY**

**Summary Overview**

Canopy's review concluded with the grading of the Credit, Property/Valuation, and Compliance sections. 78.92% (176 loans) have an overall grade of "A", 20.63% (46 loans) have an overall grade of "B", and 0.45% (1 loan) has an overall grade of "C".

Canopy's review concluded a Credit grade of "A" for 177 Loans reviewed (79.37%), and 46 Loans (20.63%) have a Credit grade of "B".

Canopy's review concluded a Compliance grade of "A" for 222 Loans reviewed (99.55%), and 1 loan (0.45%) has a Compliance grade of "C".

Canopy's review concluded a Property/Valuation grade of "A" for 222 Loans reviewed (99.55%), and 1 loan (0.45%) has a Property 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;176 | &nbsp;&nbsp;78.92% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;46 | &nbsp;&nbsp;20.63% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.45% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**223** | &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;177 | &nbsp;&nbsp;79.37% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;46 | &nbsp;&nbsp;20.63% |
| &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;**223** | &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;222 | &nbsp;&nbsp;99.55% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.45% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**223** | &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;222 | &nbsp;&nbsp;99.55% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.45% |
| &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;**223** | &nbsp;&nbsp;**100.00%** |

---

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

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**Additional Loan Summary Details**

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;208 | &nbsp;&nbsp;93.27% | &nbsp;&nbsp;$117901982.00 |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;15 | &nbsp;&nbsp;6.73% | &nbsp;&nbsp;$8761800.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**223** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$126663782.00** |

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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;211 | &nbsp;&nbsp;94.62% | &nbsp;&nbsp;$123463368.00 |
| &nbsp;&nbsp;Second | &nbsp;&nbsp;12 | &nbsp;&nbsp;5.38% | &nbsp;&nbsp;$3200414.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**223** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$126663782.00** |
| &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;Cash Out: Home Improvement/Renovation | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.45% | &nbsp;&nbsp;$400000.00 |
| &nbsp;&nbsp;Cash Out: Other/Multi-Purpose/Unknown Purpose | &nbsp;&nbsp;70 | &nbsp;&nbsp;31.39% | &nbsp;&nbsp;$33325964.00 |
| &nbsp;&nbsp;Construction to Perm | &nbsp;&nbsp;17 | &nbsp;&nbsp;7.62% | &nbsp;&nbsp;$14458160.00 |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;26 | &nbsp;&nbsp;11.66% | &nbsp;&nbsp;$9781145.00 |
| &nbsp;&nbsp;Other Than First Time Home Purchase | &nbsp;&nbsp;96 | &nbsp;&nbsp;43.05% | &nbsp;&nbsp;$61351940.00 |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;13 | &nbsp;&nbsp;5.83% | &nbsp;&nbsp;$7346573.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**223** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$126663782.00** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;120 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;121 - 180 Months | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.90% | &nbsp;&nbsp;$1620000.00 |
| &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;213 | &nbsp;&nbsp;95.52% | &nbsp;&nbsp;$119974032.00 |
| &nbsp;&nbsp;421 - 480 Months | &nbsp;&nbsp;8 | &nbsp;&nbsp;3.59% | &nbsp;&nbsp;$5069750.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**223** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$126663782.00** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Owner Occupied | &nbsp;&nbsp;108 | &nbsp;&nbsp;48.43% | &nbsp;&nbsp;$71136282.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;4 | &nbsp;&nbsp;1.79% | &nbsp;&nbsp;$2319000.00 |
| &nbsp;&nbsp;Investment Property | &nbsp;&nbsp;111 | &nbsp;&nbsp;49.78% | &nbsp;&nbsp;$53208500.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**223** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$126663782.00** |

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

![](tm2529922d1_ex99-9img001.jpg)

**DATA COMPARISON RESULTS**

Of the two hundred twenty-three (223) mortgage loan files reviewed, one hundred eleven (111) unique loans (49.78% by number) had one hundred seventy-six (176) tape comparison discrepancies across twenty-three (23) data fields.

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Logic Applied** | &nbsp;&nbsp;**# Loans with<br> Discrepancy** | &nbsp;&nbsp;**Total Times<br> Compared** | &nbsp;&nbsp;**% Variance** |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;3 | &nbsp;&nbsp;223 | &nbsp;&nbsp;1.35% |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;7 | &nbsp;&nbsp;223 | &nbsp;&nbsp;3.14% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;2 | &nbsp;&nbsp;223 | &nbsp;&nbsp;0.90% |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;223 | &nbsp;&nbsp;0.45% |
| &nbsp;&nbsp;Borrower 1 SSN | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;223 | &nbsp;&nbsp;0.45% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;.25% tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;223 | &nbsp;&nbsp;0.45% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;15 | &nbsp;&nbsp;223 | &nbsp;&nbsp;6.73% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;223 | &nbsp;&nbsp;0.45% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;17 | &nbsp;&nbsp;223 | &nbsp;&nbsp;7.62% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;223 | &nbsp;&nbsp;0.45% |
| &nbsp;&nbsp;Originator Doc Type | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;4 | &nbsp;&nbsp;223 | &nbsp;&nbsp;1.79% |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;14 | &nbsp;&nbsp;223 | &nbsp;&nbsp;6.28% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;15 | &nbsp;&nbsp;223 | &nbsp;&nbsp;6.73% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;223 | &nbsp;&nbsp;0.45% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;3 | &nbsp;&nbsp;223 | &nbsp;&nbsp;1.35% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;41 | &nbsp;&nbsp;223 | &nbsp;&nbsp;18.39% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% | &nbsp;&nbsp;5 | &nbsp;&nbsp;223 | &nbsp;&nbsp;2.24% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;6 | &nbsp;&nbsp;223 | &nbsp;&nbsp;2.69% |
| &nbsp;&nbsp;Qualifying Loan Amount | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;5 | &nbsp;&nbsp;223 | &nbsp;&nbsp;2.24% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% | &nbsp;&nbsp;4 | &nbsp;&nbsp;223 | &nbsp;&nbsp;1.79% |
| &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;21 | &nbsp;&nbsp;223 | &nbsp;&nbsp;9.42% |
| &nbsp;&nbsp;Refinance Type | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;4 | &nbsp;&nbsp;223 | &nbsp;&nbsp;1.79% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;4 | &nbsp;&nbsp;223 | &nbsp;&nbsp;1.79% |

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

![](tm2529922d1_ex99-9img001.jpg)

**Disclaimer**

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

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

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

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

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

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

## Exhibit 99.10

**EXHIBIT 99.10**

**Canopy Exceptions Report**

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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** |
| 819340 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 824734 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 828834 | xxxxxx | D A | Closed | xxxxxx | 2025-08-07 10:03 | 2025-08-07 11:45 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Evidence of Business Purpose use of Proceeds | Resolved-Business Purpose Disclosure or letter from borrower is Present. - Due Diligence Vendor-08/07/2025 <br> Open-Subject is an investment property and borrower signed as xxxxxx. Missing Secretary of State for xxxxxx not located in file. - Due Diligence Vendor-08/07/2025 |  | Resolved-Business Purpose Disclosure or letter from borrower is Present. - Due Diligence Vendor-08/07/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 108.04 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 835354 | xxxxxx | C B A | Closed | xxxxxx | 2025-04-23 06:28 | 2025-09-09 23:24 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client Exception granted with Compensating Factors. Exception approved for Housing History of 2x30x12. - Due Diligence Vendor-04/23/2025 |  | Waived-Client Exception granted with Compensating Factors. Exception approved for Housing History of 2x30x12. - Due Diligence Vendor-04/23/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 19.90 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 24.03% Is Less Than The Guideline Maximum Of 43% 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 - 10.75 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 56.22 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 19.83 Years<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 55% Is Below The Guideline Maximum Of 65% By Ten Percent (10%) Or More | DTI is <25%, max allowed is 50%. Post closing reserves is 56.22 months which program requires 3 months. LTV is 55%, max allowed 65%. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 835354 | xxxxxx | C B A | Closed | xxxxxx | 2025-04-24 13:50 | 2025-04-30 13:14 | Resolved | 1 - Information C A | Credit | Eligibility | DTI (Back) Ratio does not meet eligibility requirement(s) | Resolved-non-subject REO xxxxxx - Property report in file states this property is a xxxxxx with a commercial loan with no personal liability to borrower. Commercial debt is also not reflected on borrowers credit report. - Due Diligence Vendor-04/30/2025<br> Ready for Review-The address is a xxxxxx where business is located. This is not considered as other REO or investment property. - Seller-04/29/2025 <br> Counter-Lender replied with xxxxxx Unsure as to what this means, Please advise xxxxxx - Due Diligence Vendor-04/29/2025 <br> Ready for Review-xxxxxx<br> - Seller-04/29/2025 <br> Counter-Document Uploaded. The Final 1003 reflects xxxxxx - Lender is xxxxxx; 1008 does not reflect this Neg rent (per the 1003) $-3010.26 - Due Diligence Vendor-04/28/2025 <br> Ready for Review-Borrower has no rental property nor other REO owned.<br>- Seller-04/28/2025 <br> Open-Back End DTI variance due to exclusion of non-subject REO PITIA. - Due Diligence Vendor-04/24/2025 | Ready for Review-The address is a xxxxxx where business is located. This is not considered as other REO or investment property. - Seller-04/29/2025 <br> Ready for Review-xxxxxx<br> - Seller-04/29/2025 <br> Ready for Review-Borrower has no rental property nor other REO owned.<br>- Seller-04/28/2025 | Resolved-non-subject REO xxxxxx - Property report in file states this property is a xxxxxx with a commercial loan with no personal liability to borrower. Commercial debt is also not reflected on borrowers credit report. - Due Diligence Vendor-04/30/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 19.90 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 24.03% Is Less Than The Guideline Maximum Of 43% 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 - 10.75 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 56.22 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 19.83 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 55% Is Below The Guideline Maximum Of 65% By Ten Percent (10%) Or More |  | Screenshot 2025-04-28 105306.jpg<br> Screenshot 2025-04-28 110603.jpg | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 838699 | xxxxxx | D A | Closed | xxxxxx | 2025-08-14 17:58 | 2025-08-18 14:31 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-08/18/2025 <br>Ready for Review-Document Uploaded. See HOI - Due Diligence Vendor-08/18/2025 <br>Open- Hazard Insurance Policy Partially Provided - Document is incomplete or missing required policy information. In Hazard Insurance Document Premium amount is not provided. - Due Diligence Vendor-08/14/2025 |  | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-08/18/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 684 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | Full Review838699_xxxxxx_8_18_2025_xxxxxx_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 839635 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 839996 | xxxxxx | D A | Closed | xxxxxx | 2025-07-22 17:10 | 2025-07-27 08:46 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Note is Incomplete | Resolved-Comment of approval "as is" provided is sufficient. xxxxxx. - Due Diligence Vendor-07/27/2025 <br> Ready for Review-The addendum refers to the note. " Borrower's Right to Prepay". that this section is ammended.<br>xxxxxx. - Buyer-07/25/2025 <br> Counter-PREPAYMENT ADDENDUM TO NOTE has been provided. Note section 4 does not refer to the addendum. - Due Diligence Vendor-07/23/2025 <br> Ready for Review-Document Uploaded. I believe this was with the initial package. see attached. - Buyer-07/23/2025 <br> Open-The Note is Incomplete Note section4 does not mention PPP (See Addendum) and file missing addendum to the Note for PPP. - Due Diligence Vendor-07/22/2025 |  | Resolved-Comment of approval "as is" provided is sufficient. xxxxxx. - Due Diligence Vendor-07/27/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 45.46 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 752 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years |  | Addendum PP.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 840301 | xxxxxx | D A | Closed | xxxxxx | 2025-09-19 16:48 | 2025-09-24 12:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-09/24/2025 <br>Ready for Review-Document Uploaded. See attached gap report - Due Diligence Vendor-09/23/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-09/19/2025 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-09/24/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 23.00 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 22.85 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 19.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 14.48% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | Borrower 1 Gap Credit Report is Missing | Full Review840301_xxxxxx_9_23_2025_xxxxxx_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840781 | xxxxxx | D A C | Closed | xxxxxx | 2025-07-31 12:31 | 2025-08-04 23:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing rent comparable schedule form 1007 | Resolved-1007 provided and rent comparables match qual amounts. - Due Diligence Vendor-08/05/2025 <br>Ready for Review-Document Uploaded. See attached 1007 - Due Diligence Vendor-08/05/2025 <br>Open-Missing 1007 - Due Diligence Vendor-07/31/2025 |  | Resolved-1007 provided and rent comparables match qual amounts. - Due Diligence Vendor-08/05/2025<br>|  |  | Full Review840781_xxxxxx_8_1_2025_xxxxxx_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840781 | xxxxxx | D A C | Closed | xxxxxx | 2025-07-31 11:55 | 2025-08-04 23:36 | Resolved | 1 - Information C A | Property | Third Party Valuation | Desk Review Value(s) Do Not Adhere To Tolerance Criteria | Resolved-Desk Review Value(s) Does Adhere To Tolerance Criteria (Desk Review Value is $OBJECT_NOT_FOUND and Appraised Value is xxxxxx For a Variance of null%) - Due Diligence Vendor-08/01/2025 <br> Open-Missing secondary valuation support document for appraisal. - Due Diligence Vendor-07/31/2025 |  | Resolved-Desk Review Value(s) Does Adhere To Tolerance Criteria (Desk Review Value is $OBJECT_NOT_FOUND and Appraised Value is xxxxxx For a Variance of null%) - Due Diligence Vendor-08/01/2025 |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840781 | xxxxxx | D A C | Closed | xxxxxx | 2025-07-31 11:42 | 2025-08-04 23:36 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-08/05/2025 <br>Ready for Review-Document Uploaded. See attached fraud report - Due Diligence Vendor-08/05/2025 <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-07/31/2025 |  | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-08/05/2025<br>|  |  | Full Review840781_xxxxxx_8_1_2025_xxxxxx_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840781 | xxxxxx | D A C | Closed | xxxxxx | 2025-07-30 11:23 | 2025-08-04 23:35 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-08/05/2025 <br>Ready for Review-Document Uploaded. See attached title - Due Diligence Vendor-08/05/2025 <br>Open-Title Document is missing - Due Diligence Vendor-07/30/2025 |  | Resolved-Title Document is fully Present - Due Diligence Vendor-08/05/2025<br>|  |  | Full Review840781_xxxxxx_8_1_2025_xxxxxx_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840781 | xxxxxx | D A C | Closed | xxxxxx | 2025-07-30 11:23 | 2025-08-04 23:32 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-08/05/2025 <br>Ready for Review-Document Uploaded. See attached flood cert - Due Diligence Vendor-08/05/2025 <br>Open-Missing Flood Certificate Flood Certificate is missing. - Due Diligence Vendor-07/30/2025 |  | Resolved-Flood Certificate is fully present - Due Diligence Vendor-08/05/2025<br>|  |  | Full Review840781_xxxxxx_8_1_2025_xxxxxx_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840781 | xxxxxx | D A C | Closed | xxxxxx | 2025-07-30 11:23 | 2025-08-04 23:32 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-08/05/2025 <br>Ready for Review-Document Uploaded. See attached HOI - Due Diligence Vendor-08/05/2025 <br>Open-Missing Hazard Insurance Policy Hazard Insurance Policy is missing. - Due Diligence Vendor-07/30/2025 |  | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-08/05/2025<br>|  |  | Full Review840781_xxxxxx_8_1_2025_xxxxxx_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840783 | xxxxxx | D A | Closed | xxxxxx | 2025-07-31 13:01 | 2025-08-07 18:25 | Resolved | 1 - Information D A | Property | Data | Verify Desk Review Variance Percent | Resolved-Desk Review value of xxxxxx supports the OA value of xxxxxx within a -10.0% variance (0.00%) - Due Diligence Vendor-08/07/2025 <br> Ready for Review-Document Uploaded. See attached CDA with no variance. - Due Diligence Vendor-08/07/2025 <br> Open-Missing secondary appraisal product to verify current appraised value. - Due Diligence Vendor-07/31/2025 |  | Resolved-Desk Review value of xxxxxx supports the OA value of xxxxxx within a -10.0% variance (0.00%) - Due Diligence Vendor-08/07/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 801 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 18.67 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 211.7 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | Full Review840783_xxxxxx_8_7_2025_xxxxxx_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 840783 | xxxxxx | D A | Closed | xxxxxx | 2025-07-30 19:19 | 2025-08-05 23:38 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-08/06/2025 <br>Ready for Review-Document Uploaded. See attached HOI<br> - Due Diligence Vendor-08/06/2025 <br>Open-Missing Hazard Insurance Policy - Due Diligence Vendor-07/30/2025 |  | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-08/06/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 801 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 18.67 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 211.7 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | Full Review840783_xxxxxx_8_5_2025_xxxxxx_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 840783 | xxxxxx | D A | Closed | xxxxxx | 2025-07-30 19:23 | 2025-08-05 01:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing rent comparable schedule form 1007 | Resolved-1007 provided. - Due Diligence Vendor-08/05/2025 <br>Ready for Review-Document Uploaded. See attached 1007 on page 3 of 19 - Due Diligence Vendor-08/05/2025 <br>Open-Missing 1007 document, rental income considered from online xxxxxx - Due Diligence Vendor-07/30/2025 |  | Resolved-1007 provided. - Due Diligence Vendor-08/05/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 801 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 18.67 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 211.7 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | Full Review840783_xxxxxx_8_4_2025_xxxxxx_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 840783 | xxxxxx | D A | Closed | xxxxxx | 2025-07-30 19:21 | 2025-08-05 01:35 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-Asset 1 Provided - Due Diligence Vendor-08/05/2025 <br> Ready for Review-Document Uploaded. See attached bank stmt - Due Diligence Vendor-08/05/2025 <br> Open-Asset 1 Missing xxxxxx account statement is missing. Must verify current balance of $1,023,100.08 - Due Diligence Vendor-07/30/2025 |  | Resolved-Asset 1 Provided - Due Diligence Vendor-08/05/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 801 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 18.67 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 211.7 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | Full Review840783_xxxxxx_8_4_2025_xxxxxx_AM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 840783 | xxxxxx | D A | Closed | xxxxxx | 2025-07-30 19:19 | 2025-08-05 01:33 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-08/05/2025 <br>Ready for Review-Document Uploaded. See attached title - Due Diligence Vendor-08/05/2025 <br>Open-Title Document is missing - Due Diligence Vendor-07/30/2025 |  | Resolved-Title Document is fully Present - Due Diligence Vendor-08/05/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 801 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 18.67 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 211.7 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | Full Review840783_xxxxxx_8_4_2025_xxxxxx_AM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 840786 | xxxxxx | D A | Closed | xxxxxx | 2025-08-05 13:03 | 2025-08-13 23:18 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review value of xxxxxx supports the OA value of xxxxxx within a -10.0% tolerance (0.00%) - Due Diligence Vendor-08/14/2025 <br> Ready for Review-Document Uploaded. See attached CDA<br> - Due Diligence Vendor-08/14/2025 <br> Open-Guidelines require: The Seller may submit the appraisal report to xxxxxx® (CU) or xxxxxx® <br> (LCA). An eligible score is 2.5 or less. The file must include a copy of the Submission Summary Report (SSR).<br> o Only one score required, if both scores (CU & LCA) provided, both required to be 2.5 or less. <br> o If the score exceeds 2.5, the file must include either an enhanced desk review, AVM, field review, or <br> second appraisal. 3rd party valuation product is required and missing. - Due Diligence Vendor-08/05/2025 |  | Resolved-Desk review value of xxxxxx supports the OA value of xxxxxx within a -10.0% tolerance (0.00%) - Due Diligence Vendor-08/14/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 212.46 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 18.66 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 801 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | Full Review840786_xxxxxx_8_12_2025_xxxxxx_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 840830 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 840883 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 840894 | xxxxxx | D A | Closed | xxxxxx | 2025-08-08 10:48 | 2025-08-13 23:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Item was erroneous on the 1003. No further issues. - Due Diligence Vendor-08/14/2025 <br>Ready for Review-Document Uploaded. Please aslo see updated 1003 and 1008, - Due Diligence Vendor-08/14/2025 <br>Open-Missing documentation to support "Other" payment of $182.92 associated with subject property. - Due Diligence Vendor-08/08/2025 |  | Resolved-Item was erroneous on the 1003. No further issues. - Due Diligence Vendor-08/14/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 96.13 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 61.25% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  | Full Review840894_xxxxxx_8_13_2025_xxxxxx_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 840930 | xxxxxx | D B C A | Closed | xxxxxx | 2025-09-18 21:09 | 2025-09-25 15:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Letter of Explanation (Income) missing or unexecuted | Resolved-Updated 1003 & 1008 reflecting B2 income vs B1 provided. - Due Diligence Vendor-09/25/2025 <br>Ready for Review-Document Uploaded. The income was indeed entered into the 1003 incorrectly. Seller has made the correction and attached 1003 and 1008 - Due Diligence Vendor-09/24/2025 <br>Open-As reflected in the final Form 1003 and 1008, the business income was listed under Borrower 1. However, according to the CPA letter and the Third-Party Verification of Employment (VOE), Borrower 2 is the sole (100%) owner of the business, Please provide the Letter of Explanation to clarify the ownership of Each borrower. Now I Considered income only for borrower 1. - Due Diligence Vendor-09/19/2025 |  | Resolved-Updated 1003 & 1008 reflecting B2 income vs B1 provided. - Due Diligence Vendor-09/25/2025<br>| Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.63 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.58 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.63 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.98% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Full Review840930_xxxxxx_9_24_2025_xxxxxx_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840930 | xxxxxx | D B C A | Closed | xxxxxx | 2025-09-19 01:49 | 2025-09-25 08:48 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-\*\*\*HPML Compliant; received disclosure tracking information for appraisal delivery. - Due Diligence Vendor-09/25/2025 <br>Ready for Review-Document Uploaded. Please see attached appraisal acknowledgment. - Due Diligence Vendor-09/24/2025 <br>Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. \*\*Unable to determine if the loan is HPML Compliant. Lender to provide evidence the appraisal was provided to the borrower at least 3 business days prior to closing. - Due Diligence Vendor-09/22/2025 <br>Open- - Due Diligence Vendor-09/22/2025 <br>Open- - Due Diligence Vendor-09/22/2025 <br>Open- - Due Diligence Vendor-09/22/2025 <br>Open- - Due Diligence Vendor-09/19/2025 |  | Resolved-\*\*\*HPML Compliant; received disclosure tracking information for appraisal delivery. - Due Diligence Vendor-09/25/2025<br>| Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.63 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.58 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.63 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.98% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Full Review840930_xxxxxx_9_24_2025_xxxxxx_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840930 | xxxxxx | D B C A | Closed | xxxxxx | 2025-09-19 10:48 | 2025-09-19 10:48 | Waived | 2 - Non-Material B | Credit | Credit | Property/Appraisal General | Waived-Client Exception granted with Compensating Factors. allow acreage of xxxxxx which exceeds guideline max of 20 - Due Diligence Vendor-09/19/2025 |  | Waived-Client Exception granted with Compensating Factors. allow acreage of xxxxxx which exceeds guideline max of 20 - Due Diligence Vendor-09/19/2025 | Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.63 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.58 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.63 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.98% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | 1. DTI <= 40% which is below requirement in guidelines<br> 2. Residual income more than 2.5x the amount required by guidelines<br> 3. Self-employed for > 10 years |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 840935 | xxxxxx | B A | Closed | xxxxxx | 2025-08-07 13:14 | 2025-08-07 13:14 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client Exception granted with Compensating Factors. Missing 12 month housing history for primary and subject property. Borrower has no mortgage history listings and is currently renting his primary, prior primary was owned free/clear, VOR is for last 9 months only. <br>- Due Diligence Vendor-08/07/2025 |  | Waived-Client Exception granted with Compensating Factors. Missing 12 month housing history for primary and subject property. Borrower has no mortgage history listings and is currently renting his primary, prior primary was owned free/clear, VOR is for last 9 months only. <br>- Due Diligence Vendor-08/07/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 773 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 87.29 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 49.53% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More | Experienced investor owns and manages 5 or more properties for 12 months<br> LTV/CLTV 10% or more below the maximum allowed under applicable guidelines<br> Credit Score 30+ points > minimum required |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 840946 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 840949 | xxxxxx | D A | Closed | xxxxxx | 2025-08-06 16:27 | 2025-08-08 06:51 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present - Due Diligence Vendor-08/08/2025 <br>Ready for Review-Document Uploaded. deed attached - Buyer-08/07/2025 <br>Open-The Deed of Trust is Missing - Due Diligence Vendor-08/06/2025 |  | Resolved-The Deed of Trust is Present - Due Diligence Vendor-08/08/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 16 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 786 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | Deed of Trust xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841013 | xxxxxx | B A | Closed | xxxxxx | 2025-09-03 10:07 | 2025-09-03 10:07 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Client Exception granted with Compensating Factors. Audited FICO of 622 is less than Guideline FICO of 640 . Exception for 620 FICO on cash out. - Due Diligence Vendor-09/03/2025 |  | Waived-Client Exception granted with Compensating Factors. Audited FICO of 622 is less than Guideline FICO of 640 . Exception for 620 FICO on cash out. - Due Diligence Vendor-09/03/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.32 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.32 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.69 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 26.99 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 55% Is Below The Guideline Maximum Of 65% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 27 Years | LTV/CLTV 10% or more below the maximum allowed under applicable guidelines. 0x30 for 48 months on subject mortgage. Residual income more than 2.5x the amount required by guidelines. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 841206 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 841258 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 841848 | xxxxxx | B A | Closed | xxxxxx | 2025-07-02 10:47 | 2025-09-09 22:44 | Waived | 2 - Non-Material B | Credit | Missing Doc | VOM or VOR missing/required | Waived-Client Exception granted with Compensating Factors. Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. APPROVED EXCEPTION TO USE VOM COMPLETED BY xxxxxx aND xxxxxx MORTGAGE WITHOUT 12 MONTHS PROOF OF BORROWER PAYMENT. GUIDELINES REQUIRE PROOF OF BORROWER PAYMENT WHEN MORTGHAGE IS NOT REPORTING ON CREDIT. - Due Diligence Vendor-09/10/2025 |  | Waived-Client Exception granted with Compensating Factors. Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. APPROVED EXCEPTION TO USE VOM COMPLETED BY xxxxxx AND xxxxxx MORTGAGE WITHOUT 12 MONTHS PROOF OF BORROWER PAYMENT. GUIDELINES REQUIRE PROOF OF BORROWER PAYMENT WHEN MORTGHAGE IS NOT REPORTING ON CREDIT. - Due Diligence Vendor-09/10/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 62.87 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 765 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | FICO 765 EXCEEDS MINIMUM REQUIRED OF 720. EXPERIENCED INVESTOR: 4.5 YRS, GUIDELINES REQUIRE 1 YEAR. MORTGAGE HIUSTORY PRIMARY IS 0X30X56 GUIDELINES REQUIRE 0X30X12. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 841848 | xxxxxx | B A | Closed | xxxxxx | 2025-07-02 10:46 | 2025-07-02 10:46 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client Exception granted with Compensating Factors. Approved Exception to use 80% LTV W/IO payment, guideline max LTV is 75%. - Due Diligence Vendor-07/02/2025 |  | Waived-Client Exception granted with Compensating Factors. Approved Exception to use 80% LTV W/IO payment, guideline max LTV is 75%. - Due Diligence Vendor-07/02/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 62.87 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 765 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | FICO 765 EXCEEDS MINIMUM REQUIRED OF 720. EXPERIENCED INVESTOR: 4.5 YRS, GUIDELINES REQUIRE 1 YEAR. MORTGAGE HIUSTORY PRIMARY IS 0X30X56 GUIDELINES REQUIRE 0X30X12. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 841946 | xxxxxx | B A | Closed | xxxxxx | 2025-08-01 08:30 | 2025-08-01 08:30 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client Exception granted with Compensating Factors. Housing History Does Not Meet Guideline Requirements Exception request for the borrower living rent-free with son - Unable to provide 12-month VOR/VOM primary history - Due Diligence Vendor-08/01/2025 |  | Waived-Client Exception granted with Compensating Factors. Housing History Does Not Meet Guideline Requirements Exception request for the borrower living rent-free with son - Unable to provide 12-month VOR/VOM primary history - Due Diligence Vendor-08/01/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 47.62% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 19 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 64.9 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 738 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | \* LTV/CLTV 10% or more below the maximum allowed under applicable guidelines<br> \* Reserves exceed requirement by 10 months or more<br> \* Credit Score 30+ points > minimum required |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 841994 | xxxxxx | D A | Closed | xxxxxx | 2025-08-14 11:32 | 2025-08-18 14:28 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Personal Guaranty is Missing | Resolved-Personal Guaranty is Present. - Due Diligence Vendor-08/18/2025 <br>Ready for Review-Document Uploaded. See guaranty agreement - Due Diligence Vendor-08/18/2025 <br>Open-Personal Guaranty is missing. - Due Diligence Vendor-08/14/2025 |  | Resolved-Personal Guaranty is Present. - Due Diligence Vendor-08/18/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.46 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 62.5% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 760 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | Full Review841994_xxxxxx_8_18_2025_xxxxxx_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 842309 | xxxxxx | C A | Closed | xxxxxx | 2025-07-28 06:41 | 2025-08-04 09:32 | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-08/04/2025 <br> Ready for Review-Document Uploaded. Email from agent stating 100% replacement cost - Buyer-08/01/2025 <br> Counter-The HOI Policy does not state "includes 100% Dwelling Replacement costs" Property is located in xxxxxx and a RCE is not required to be provided however the Policy or a lox from the Agent stating the Dwelling amount is 100% replacement costs is needed. - Due Diligence Vendor-07/29/2025 <br> Ready for Review-the appraisal cost new is xxxxxx there is enough coverage. let me know if you still dont agree - Buyer-07/28/2025 <br> Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxxxxx is less than the minimum required coverage amount of $ xxxxxx Missing evidence of sufficient hazard coverage OR satisfactory RCE. - Due Diligence Vendor-07/28/2025 |  | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-08/04/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 753 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 56.7 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20 Years |  | email from agent.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 842566 | xxxxxx | C B A | Closed | xxxxxx | 2025-07-23 15:11 | 2025-08-08 13:34 | Resolved | 1 - Information C A | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Resolved-Desk review value of xxxxxx supports the OA value of xxxxxx within a -10.0% tolerance (0.00%) - Due Diligence Vendor-08/08/2025 <br> Ready for Review-Document Uploaded. See attached CDA - Due Diligence Vendor-08/08/2025 <br> Counter-Review products are still an issue. CU score is 2.6 and LCA score is 1.5. If both are provided, both need to be 2.5 or less and CU score is above 2.5. If the score exceeds 2.5, the file must include either an enhanced desk review, AVM, field review, or second appraisal. - Due Diligence Vendor-08/05/2025 <br> Ready for Review-Document Uploaded. Please see SSR - Due Diligence Vendor-08/05/2025 <br> Counter-Document Uploaded. Per Guidelines: The Seller may submit the appraisal report to xxxxxx® (CU) or Loanxxxxxx® (LCA). An eligible score is 2.5 or less. The file must include a copy of the Submission Summary Report (SSR). Only one score required, "if both scores (CU & LCA) provided, both required to be 2.5 or less. " - (Both scores were provided in the loan file) - If the score exceeds 2.5, the file must include either an enhanced desk review, AVM, field review, or second appraisal. - Due Diligence Vendor-08/01/2025 <br> Ready for Review-Document Uploaded. - Buyer-08/01/2025 <br> Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 2.6) CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided - Due Diligence Vendor-07/23/2025 |  | Resolved-Desk review value of xxxxxx supports the OA value of xxxxxx within a -10.0% tolerance (0.00%) - Due Diligence Vendor-08/08/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 42.15 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 49.28% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 765 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxxxxx SSRs LCA Risk 1.5.pdf<br> xxxxxx Appraisal Review.jpg<br> CU score .jpg<br> Full Review842566_xxxxxx_8_1_2025_xxxxxx_PM.zip<br> Full Review842566_xxxxxx_8_8_2025_xxxxxx_AM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 842566 | xxxxxx | C B A | Closed | xxxxxx | 2025-07-23 15:39 | 2025-07-23 15:39 | Waived | 2 - Non-Material B | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Waived-Client Exception granted with Compensating Factors. Borrower lives rent free with Family - Due Diligence Vendor-07/23/2025 |  | Waived-Client Exception granted with Compensating Factors. Borrower lives rent free with Family - Due Diligence Vendor-07/23/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 42.15 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 49.28% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 765 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | LTV/CLTV 10% or more below the maximum allowed under applicable guidelines<br> Credit Score 30+ points > minimum required |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 842605 | xxxxxx | D A | Closed | xxxxxx | 2025-08-14 07:25 | 2025-09-04 22:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-UDM provided as of xxxxxx which is within 30 days of closing and goes through closing date. - Due Diligence Vendor-09/05/2025 <br> Ready for Review-Document Uploaded. See UDM - Due Diligence Vendor-09/05/2025 <br> Open-Borrower 1 Gap Credit Report is Missing . A gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 30- days prior to loan closing or any time after closing. The credit report is over 40 days prior to closing. - Due Diligence Vendor-08/14/2025 |  | Resolved-UDM provided as of xxxxxx which is within 30 days of closing and goes through closing date. - Due Diligence Vendor-09/05/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.44 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 8.4% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Full Review842605_xxxxxx_9_3_2025_xxxxxx_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 842608 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-10 13:56 | 2025-09-18 14:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Lender provided. - Due Diligence Vendor-09/18/2025 <br>Ready for Review-Document Uploaded. Please see UDN - Due Diligence Vendor-09/17/2025 <br>Open-Borrower 1 Gap Credit Report is Missing . Provide a gap credit report or Undisclosed Debt Monitoring (UDM) report no more than 30- days prior to loan closing or any time after closing. (Guidelines Section 2.5.2) - Due Diligence Vendor-09/10/2025 |  | Resolved-Lender provided. - Due Diligence Vendor-09/18/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.60 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.59 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 45.72 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.41 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.39% 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 764 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | Full Review842608_xxxxxx_9_17_2025_xxxxxx_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 842608 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-10 19:33 | 2025-09-10 19:33 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client Exception granted with Compensating Factors. The seller is requesting an exception for NSF's that exceed the guideline maximum of 3 within the last 12 months. - Due Diligence Vendor-09/10/2025 |  | Waived-Client Exception granted with Compensating Factors. The seller is requesting an exception for NSF's that exceed the guideline maximum of 3 within the last 12 months. - Due Diligence Vendor-09/10/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.60 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.59 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 45.72 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.41 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.39% 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 764 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | 1. Current primary home ownership > 5 years<br> 2. Self-employed for > 10 years |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 842623 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 842658 | xxxxxx | D A | Closed | xxxxxx | 2025-07-28 08:09 | 2025-08-06 14:21 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-BPO provided. - Due Diligence Vendor-08/06/2025 <br>Ready for Review-Document Uploaded. - Buyer-08/06/2025 <br>Open-Please Provide 3rd Part Valuation Product for the Subject Property. However Its not Available at the Time of Review. - Due Diligence Vendor-07/28/2025 |  | Resolved-BPO provided. - Due Diligence Vendor-08/06/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 778 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 64.89 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 842706 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 842713 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 842737 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 842739 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 842750 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 842773 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 842774 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 842776 | xxxxxx | D A | Closed | xxxxxx | 2025-08-14 12:30 | 2025-08-18 12:28 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Personal Guaranty is Missing | Resolved-Personal Guaranty is Present. - Due Diligence Vendor-08/18/2025 <br>Ready for Review-Document Uploaded. - Due Diligence Vendor-08/18/2025 <br>Open-Personal Guaranty is missing. - Due Diligence Vendor-08/14/2025 |  | Resolved-Personal Guaranty is Present. - Due Diligence Vendor-08/18/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 89.6 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | Full Review842776_xxxxxx_8_15_2025_xxxxxx_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 842776 | xxxxxx | D A | Closed | xxxxxx | 2025-08-13 14:21 | 2025-08-18 12:26 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 2 Missing | Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-08/18/2025 <br> Ready for Review-Document Uploaded. See attached xxxxxx x xxxxxx xx stmt. - Due Diligence Vendor-08/18/2025 <br> Open-Asset 2 Missing xxxxxx xxxxxx Account xxxxxx is missing in the file. - Due Diligence Vendor-08/13/2025 |  | Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-08/18/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 89.6 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | Full Review842776_xxxxxx_8_15_2025_xxxxxx_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 842777 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 842811 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 842815 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 842835 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Home Improvement/Reno |  |  |  |
| 842911 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 842952 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 842975 | xxxxxx | C A | Closed | xxxxxx | 2025-08-08 13:03 | 2025-08-18 13:26 | Resolved | 1 - Information C A | Credit | Income | DSCR is less than the guideline minimum | Resolved-Updated 1007 provided showing estimated rent of $2500 and moves DSCR to > 1.0 - Due Diligence Vendor-08/18/2025 <br> Ready for Review-Document Uploaded. Please see the corrected 1007. xxxxxx! - Due Diligence Vendor-08/18/2025 <br> Open-DSCR was locket at 1.0 but is currently under 1.0 beause rent amount used for DSCR was $2500 from the rental survey. However, the appraiser also states that the property is currentyly rented for $1800/month from 03/25 to 03/26. The property is listed as vacant and pictures confirm this. Appraiser needs to addrress the $1800/month current lease. - Due Diligence Vendor-08/08/2025 |  | Resolved-Updated 1007 provided showing estimated rent of $2500 and moves DSCR to > 1.0 - Due Diligence Vendor-08/18/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 54.95 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | Full Review842975_xxxxxx_8_15_2025_xxxxxx_AM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 842995 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 843020 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 843138 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 843413 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 843430 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 843491 | xxxxxx | B A | Closed | xxxxxx | 2025-07-08 03:16 | 2025-07-09 12:37 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client Exception granted with Compensating Factors. Audited LTV of 65% exceeds Guideline LTV of 60% use DSCR of 0.79 for current LTV (65%) while guideline requires min DSCR of 0.80 - Due Diligence Vendor-07/08/2025 |  | Waived-Client Exception granted with Compensating Factors. Audited LTV of 65% exceeds Guideline LTV of 60% use DSCR of 0.79 for current LTV (65%) while guideline requires min DSCR of 0.80 - Due Diligence Vendor-07/08/2025<br>| Property Equity - - Subject property's appraised value of xxxxxx with supporting review product evidences xxxxxx in additional equity not accounted for in LTV based on the lower sales price of xxxxxx<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 37.08 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | Reserves of 37 + months post loan closing |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 843491 | xxxxxx | B A | Closed | xxxxxx | 2025-07-08 08:25 | 2025-07-09 12:26 | Waived | 2 - Non-Material B | Credit | Eligibility | Condo project is non-warrantable | Waived-Client Exception granted with Compensating Factors. Loan is underwritten to Agency guidelines and condo is non-warrantable per xxxxxx. Subject property is a non-warrantable condo since the 10% budget reserve allocation requirement is not met. - Due Diligence Vendor-07/08/2025 |  | Waived-Client Exception granted with Compensating Factors. Loan is underwritten to Agency guidelines and condo is non-warrantable per xxxxxx. Subject property is a non-warrantable condo since the 10% budget reserve allocation requirement is not met. - Due Diligence Vendor-07/08/2025 | Property Equity - - Subject property's appraised value of xxxxxx with supporting review product evidences xxxxxx in additional equity not accounted for in LTV based on the lower sales price of xxxxxx<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 37.08 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | Reserves of 37 + months post loan closing |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 843491 | xxxxxx | B A | Closed | xxxxxx | 2025-07-08 08:24 | 2025-07-09 12:26 | Waived | 2 - Non-Material B | Credit | Eligibility | Foreign National or Non-xxxxxx Citizen Indicator | Waived-Client Exception granted with Compensating Factors. Exception to waive the visa requirement (page 547 of guidelines to have xxxxxx Visa along with Foreign Passport) - Due Diligence Vendor-07/08/2025 |  | Waived-Client Exception granted with Compensating Factors. Exception to waive the visa requirement (page 547 of guidelines to have xxxxxx Visa along with Foreign Passport) - Due Diligence Vendor-07/08/2025 | Property Equity - - Subject property's appraised value of xxxxxx with supporting review product evidences xxxxxx in additional equity not accounted for in LTV based on the lower sales price of xxxxxx<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 37.08 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | Reserves of 37 + months post loan closing |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 843497 | xxxxxx | C B A | Closed | xxxxxx | 2025-07-15 07:14 | 2025-07-31 10:39 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Client Exception granted with Compensating Factors. EXCEPTION FOR FICO SCORE OF 650 , MINIMUM ALLOWED IS 660+ FOR LTV OF 75% <br> - Due Diligence Vendor-07/31/2025 <br> Ready for Review-Document Uploaded. Exception was approved for 75% LTV and xxxxxx borrower has enoght funder to cover collection account per guidlines collection may remain - Seller-07/30/2025 <br> Open-Audited CLTV of 75% exceeds Guideline CLTV of 65% for guides under xxxxxx-No Ratio / 0 DSCR - Due Diligence Vendor-07/15/2025 | Ready for Review-Document Uploaded. Exception was approved for 75% LTV and xxxxxx borrower has enoght funder to cover collection account per guidlines collection may remain - Seller-07/30/2025 | Waived-Client Exception granted with Compensating Factors. EXCEPTION FOR FICO SCORE OF 650 , MINIMUM ALLOWED IS 660+ FOR LTV OF 75% | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 153.11 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months<br> Experienced xxxxxx - - Borrower is an experienced investor with long term xxxxxx expierence | Post closing reserves is 153.11 months which program requires 4 months<br> Self-employed for more than 12 years | Guideline Exception Form - xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 843497 | xxxxxx | C B A | Closed | xxxxxx | 2025-07-15 07:14 | 2025-07-23 13:44 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Client Exception granted with Compensating Factors. EXCEPTION FOR FICO SCORE OF 650 , MINIMUM ALLOWED IS 660+ FOR LTV OF 75% - Due Diligence Vendor-07/29/2025 <br> Open-Audited FICO of 650 is less than Guideline FICO of 660+ (1008 addresses exception is required but no exception in file) - Due Diligence Vendor-07/15/2025 |  | Waived-Client Exception granted with Compensating Factors. EXCEPTION FOR FICO SCORE OF 650 , MINIMUM ALLOWED IS 660+ FOR LTV OF 75% - Due Diligence Vendor-07/29/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 153.11 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months<br> Experienced xxxxxx - - Borrower is an experienced investor with long term xxxxxx investment expierence | Post closing reserves is 153.11 months which program requires 4 months <br> Self-employed for more than 12 years |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 843497 | xxxxxx | C B A | Closed | xxxxxx | 2025-07-16 10:41 | 2025-07-23 13:36 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Property | Waived-Client Exception granted with Compensating Factors. EXCEPTION REQUIRED FOR SUBJECT PROPERTY LOCATED IN xxxxxx ZONING. - Due Diligence Vendor-07/29/2025 <br> Ready for Review-Document Uploaded. - Seller-07/22/2025 <br> Open-Per lender guides under xxxxxx-No Ratio DSCR properties zoned Rural is are ineligible. (Lender addressed on 1008 but no exception in file) - Due Diligence Vendor-07/16/2025 | Ready for Review-Document Uploaded. - Seller-07/22/2025<br>| Waived-Client Exception granted with Compensating Factors. EXCEPTION REQUIRED FOR SUBJECT PROPERTY IS LOCATED IN xxxxxx ZONING. - Due Diligence Vendor-07/29/2025 <br> Ready for Review-Document Uploaded. - Seller-07/22/2025 <br> Open-Per lender guides under xxxxxx-No Ratio DSCR properties zoned Rural is are ineligible. (Lender addressed on 1008 but no exception in file) - Due Diligence Vendor-07/16/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 153.11 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months<br> Experienced xxxxxx - - Borrower is an experienced investor with long term xxxxxx expierence | Post closing reserves is 153.11 months which program requires 4 months<br> Self-employed for more than 12 years | Guideline Exception Form - xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 843499 | xxxxxx | C B A | Closed | xxxxxx | 2025-07-09 12:30 | 2025-07-11 10:33 | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-07/11/2025 <br> Ready for Review-Document Uploaded. - Seller-07/10/2025 <br> Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxxxxx is less than the minimum required coverage amount of xxxxxx Total hazard dwelling coverage A of xxxxxx does not meet loan amount xxxxxx. No RCE was provided. - Due Diligence Vendor-07/09/2025 | Ready for Review-Document Uploaded. - Seller-07/10/2025<br>| Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-07/11/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.5 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months |  | RCE.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 843499 | xxxxxx | C B A | Closed | xxxxxx | 2025-07-08 10:41 | 2025-07-09 12:55 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client Exception granted with Compensating Factors. Audited LTV of 75% exceeds Guideline LTV of 60% Exception approval to allow for current LTV of 75% which did not meet maximum allowable LTV/CLTV of 60% for no primary residence. - Due Diligence Vendor-07/08/2025 |  | Waived-Client Exception granted with Compensating Factors. Audited LTV of 75% exceeds Guideline LTV of 60% Exception approval to allow for current LTV of 75% which did not meet maximum allowable LTV/CLTV of 60% for no primary residence. - Due Diligence Vendor-07/08/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 732 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.5 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months | Program is No Ratio. Current FICO is 732 while min required is 660 exceeds minimum credit score requirement by at least 72 points. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 843500 | xxxxxx | D B A | Closed | xxxxxx | 2025-07-09 14:40 | 2025-07-15 07:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Missing | Resolved-Business Documents provided - Due Diligence Vendor-07/15/2025 <br>Ready for Review-Document Uploaded. - Seller-07/14/2025 <br>Counter-Missing evidence of EIN - Due Diligence Vendor-07/11/2025 <br>Ready for Review-Document Uploaded. - Seller-07/10/2025 <br>Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Missing business entity documents required by gl's:<br> - Articles of Organization/Partnership/Operating Agrmts<br> - Tax ID number (EIN)<br> - Cert of Good Standing<br> - Cert of Authorization for person executing all docs<br> - Due Diligence Vendor-07/09/2025 | Ready for Review-Document Uploaded. - Seller-07/14/2025 <br>Ready for Review-Document Uploaded. - Seller-07/10/2025<br>| Resolved-Business Documents provided - Due Diligence Vendor-07/15/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 59.75 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | LLC VESTING ï¿½ CERTIFICATE OF GOOD STANDING.pdf<br>LLC VESTING ï¿½ ARTICLES OF INCORPORATION.pdf<br>LLC VESTING ï¿½ IRS EIN LETTER.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 843500 | xxxxxx | D B A | Closed | xxxxxx | 2025-07-08 21:24 | 2025-07-08 21:24 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client Exception granted with Compensating Factors. Exception approved to use 75% LTV which exceeds guideline max of 70%. - Due Diligence Vendor-07/09/2025 |  | Waived-Client Exception granted with Compensating Factors. Exception approved to use 75% LTV which exceeds guideline max of 70%. - Due Diligence Vendor-07/09/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 59.75 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | Credit Score is 705, minimum required is 660. Post closing reserves is 59.75 months which program requires 2 months. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 843516 | xxxxxx | D A | Closed | xxxxxx | 2025-09-08 13:34 | 2025-09-16 22:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Debt monitoring provided shows start date and end date up to clsoing date and no new debts - Due Diligence Vendor-09/17/2025 <br>Ready for Review-Document Uploaded. Please see attached Undisclosed Debt Monitoring report. - Due Diligence Vendor-09/17/2025 <br>Counter-The uploaded report for the gap credit report appears to only be a one page supplement for the mortgage but doesnt address anything further. - Due Diligence Vendor-09/10/2025 <br>Ready for Review-Document Uploaded. Please see attached Report. - Due Diligence Vendor-09/10/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Gap credit report missing - Due Diligence Vendor-09/08/2025 |  | Resolved-Debt monitoring provided shows start date and end date up to clsoing date and no new debts - Due Diligence Vendor-09/17/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 19.25 Years<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.34 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.69% 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 714 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.34 Years |  | Full Review843516_xxxxxx_9_9_2025_xxxxxx_AM.zip<br> Full Review843516_xxxxxx_9_16_2025_xxxxxx_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843516 | xxxxxx | D A | Closed | xxxxxx | 2025-09-08 13:34 | 2025-09-16 22:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Debt monitoring provided shows start date and end date up to clsoing date and no new debts - Due Diligence Vendor-09/17/2025 <br>Ready for Review-Document Uploaded. Please see attached Undisclosed Debt Monitoring report. - Due Diligence Vendor-09/17/2025 <br>Counter-The uploaded report for the gap credit report appears to only be a one page supplement for the mortgage but doesnt address anything further. - Due Diligence Vendor-09/10/2025 <br>Ready for Review-Document Uploaded. Please see attached Report. - Due Diligence Vendor-09/10/2025 <br>Open-Borrower 2 Gap Credit Report is Missing B2 Gap credit report missing - Due Diligence Vendor-09/08/2025 |  | Resolved-Debt monitoring provided shows start date and end date up to clsoing date and no new debts - Due Diligence Vendor-09/17/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 19.25 Years<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.34 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.69% 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 714 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.34 Years |  | Full Review843516_xxxxxx_9_9_2025_xxxxxx_AM.zip<br> Full Review843516_xxxxxx_9_16_2025_xxxxxx_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843525 | xxxxxx | B A | Closed | xxxxxx | 2025-08-05 13:47 | 2025-08-05 15:53 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Client Exception granted with Compensating Factors. Audited FICO of 661 is less than Guideline FICO of 700 Approved lender exception for a 661 qualifying FICO for a first-time investor. The guideline requirement is 700. - Due Diligence Vendor-08/05/2025 |  | Waived-Client Exception granted with Compensating Factors. Audited FICO of 661 is less than Guideline FICO of 700 Approved lender exception for a 661 qualifying FICO for a first-time investor. The guideline requirement is 700. - Due Diligence Vendor-08/05/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 114.53 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 42.25% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More | The transaction LTV/CLTV is greater than 10% below the maximum allowed under lender guidelines. The DSCR is > 1.00%. Borrower has no mortgage lates, 0x30 in the prior 48 months. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 843539 | xxxxxx | D A | Closed | xxxxxx | 2025-08-04 14:45 | 2025-08-05 09:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Incomplete | Resolved-Business Documents provided. - Due Diligence Vendor-08/05/2025 <br>Ready for Review-Document Uploaded. entity docs - Buyer-08/04/2025 <br>Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Missing Articles of Organization. - Due Diligence Vendor-08/04/2025 |  | Resolved-Business Documents provided. - Due Diligence Vendor-08/05/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 793 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 134.77 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | entity docs.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 843539 | xxxxxx | D A | Closed | xxxxxx | 2025-07-31 17:51 | 2025-08-05 09:27 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-08/05/2025 <br>Ready for Review-Document Uploaded. xxxxxx - Buyer-08/04/2025 <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-07/31/2025 |  | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-08/05/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 793 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 134.77 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | xxxxxx xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 843596 | xxxxxx | B A | Closed | xxxxxx | 2025-07-31 07:42 | 2025-07-31 07:42 | Waived | 2 - Non-Material B | Credit | Eligibility | Original CLTV does not meet eligibility requirement(s) | Waived-Client Exception granted with Compensating Factors. Investor concentration of 75% exceeds guideline of 60%. - Due Diligence Vendor-07/31/2025 |  | Waived-Client Exception granted with Compensating Factors. Investor concentration of 75% exceeds guideline of 60%. - Due Diligence Vendor-07/31/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.86 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | \* DSCR > 1.3<br> \* Reserves exceed requirement by 10 months or more |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 843628 | xxxxxx | C A | Closed | xxxxxx | 2025-08-14 15:55 | 2025-08-18 12:53 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 62.61 are greater than or equal to Guideline Required Reserves of 2 - Due Diligence Vendor-08/18/2025 <br>Ready for Review-Document Uploaded. See Bank Statement - Due Diligence Vendor-08/18/2025 <br>Open-Audited Reserves of are less than Guideline Required Reserves of 2 . Borrowers usable assets are $95,000. Evidence of $20,000 EMD from borrower's own funds were not provided at the time of review. No additional funds were provided. Required funds to close is $90,998.31 + 2 months PITIA reserves $5,120.60 + $20,000 EMD needed to be verified = $116,118.91. $95,000 - $90,998.31 = $4,001.69 remains once EMD is verified and loan remains short reserves by $1,118.91. - Due Diligence Vendor-08/14/2025 |  | Resolved-Audited Reserves of 62.61 are greater than or equal to Guideline Required Reserves of 2 - Due Diligence Vendor-08/18/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 62.61 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | Full Review843628_xxxxxx_8_15_2025_xxxxxx_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 843628 | xxxxxx | C A | Closed | xxxxxx | 2025-08-14 15:49 | 2025-08-18 12:53 | Resolved | 1 - Information C A | Credit | Assets | Insufficient Total Liquid Assets Available for Close | Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-08/18/2025 <br>Ready for Review-Document Uploaded. See Bank Statement - Due Diligence Vendor-08/18/2025 <br>Open-Total Liquid Assets Available for Close of $95000 is less than Total Cash to Close $110998.31. Provide documentation to evidence the $20,000 coming from the borrower's own funds. The check drawn in May does not show withdrawn from the account provided to evidence borrowers own funds cleared. Per CPA letter, the borrower can only use $95,000 of the business funds. - Due Diligence Vendor-08/14/2025 |  | Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-08/18/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 62.61 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | Full Review843628_xxxxxx_8_15_2025_xxxxxx_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 843629 | xxxxxx | D A | Closed | xxxxxx | 2025-08-25 07:41 | 2025-09-10 00:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Updated report provided and a new debt is present but was opened after closing. - Due Diligence Vendor-09/10/2025 <br> Ready for Review-Document Uploaded. Please see Gap report attached (after closing xxxxxx). xxxxxx! - Due Diligence Vendor-09/10/2025 <br> Counter-Doc provided is the same version that was presented previously. Still need documentation of a gap credit report or credit monitoring. - Due Diligence Vendor-08/27/2025 <br> Ready for Review-Document Uploaded. Please UDN Report attached. xxxxxx! - Due Diligence Vendor-08/27/2025 <br> Counter-Credit monitoring provided however the 90 pages contain only monitoring in through the end of 2024. There is no monitoring during the time frame of the loan process through closing. - Due Diligence Vendor-08/27/2025 <br> Ready for Review-Document Uploaded. Please see credit refresh attached. xxxxxx! - Due Diligence Vendor-08/27/2025 <br> Open-Borrower 1 Gap Credit Report is Missing . Provide a gap credit report or Undisclosed Debt Monitoring (UDM) report which is required no more than 30- days prior to loan <br> closing or any time after closing (GL's Sec. 2.5.2). Credit report is 47 days prior to the Note date. - Due Diligence Vendor-08/25/2025 |  | Resolved-Updated report provided and a new debt is present but was opened after closing. - Due Diligence Vendor-09/10/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 775 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.88% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 |  | Full Review843629_xxxxxx_8_26_2025_xxxxxx_PM.zip<br> Full Review843629_xxxxxx_8_27_2025_xxxxxx_AM.zip<br> Full Review843629_xxxxxx_9_8_2025_xxxxxx_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 843756 | xxxxxx | C A | Closed | xxxxxx | 2025-09-03 03:05 | 2025-09-07 11:43 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-09/07/2025 <br> Ready for Review-Document Uploaded. - Seller-09/05/2025 <br> Open-\*\*\*\* Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower. - Due Diligence Vendor-09/04/2025 | Ready for Review-Document Uploaded. - Seller-09/05/2025<br>| Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-09/07/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 32.58 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.96% Is Less Than The Guideline Maximum Of 55% 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 - 5.16 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 762 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 79.84% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More |  | 3D CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843773 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 843777 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 843787 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 843806 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 843849 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 843859 | xxxxxx | D B A | Closed | xxxxxx | 2025-08-15 14:53 | 2025-08-22 00:06 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review value of xxxxxx supports the OA value of xxxxxx within a -10.0% tolerance (0.00%) - Due Diligence Vendor-08/22/2025 <br> Ready for Review-Document Uploaded. Please see attached CDA, xxxxxx. - Due Diligence Vendor-08/22/2025 <br> Open-3rd Party Valuation Product is Required and Missing - Due Diligence Vendor-08/15/2025 |  | Resolved-Desk review value of xxxxxx supports the OA value of xxxxxx within a -10.0% tolerance (0.00%) - Due Diligence Vendor-08/22/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.55 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 751 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | Full Review843859_xxxxxx_8_19_2025_xxxxxx_AM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 843859 | xxxxxx | D B A | Closed | xxxxxx | 2025-08-15 08:26 | 2025-08-15 08:26 | Waived | 2 - Non-Material B | Credit | Credit | Property/Appraisal General | Waived-Client Exception granted with Compensating Factors. xxxxxx unit property is dissalowed per guideline for first time investor. - Due Diligence Vendor-08/15/2025 |  | Waived-Client Exception granted with Compensating Factors. xxxxxx unit property is dissalowed per guideline for first time investor. - Due Diligence Vendor-08/15/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.55 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 751 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | \* Reserves exceed requirement by 6 months or more<br> \* 0x30 for 48 months on all mortgages<br> \* Credit Score 30+ points > minimum required |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 843879 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 843897 | xxxxxx | B A | Closed | xxxxxx | 2025-09-06 23:35 | 2025-09-17 01:32 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008 provided - Due Diligence Vendor-09/17/2025 <br>Ready for Review-Document Uploaded. 1008 reuploaded - Due Diligence Vendor-09/16/2025 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-09/07/2025 |  | Resolved-1008 provided - Due Diligence Vendor-09/17/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 130.84 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.33% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 59.43% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.04 Years |  | Full Review843897_xxxxxx_9_16_2025_xxxxxx_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 843899 | xxxxxx | C A | Closed | xxxxxx | 2025-08-27 17:40 | 2025-09-04 11:25 | Resolved | 1 - Information C A | Credit | Income | Income 2 Months Income Verified is Missing | Resolved-Income 2 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-09/04/2025 <br> Ready for Review-Document Uploaded. Please see revised 1008 removing ssi income. xxxxxx - Buyer-09/03/2025 <br> Counter-Document Uploaded. The Condition is for Missing Proof of SSI Income used to qualify iao $1308.00 as seen on Lenders 1008 & Final 1003 - The Bank statement provided is a Business B/S xxxxxx and does not show any SSI deposits also the Bwr's Business is named xxxxxx. - Due Diligence Vendor-09/03/2025 <br> Ready for Review-Document Uploaded. Bk stmt - Buyer-09/02/2025 <br> Open-Income 2 Months Income Verified is Missing Missing Proof of SSI stated income monthly amount of $1,308.00 per final 1003 pg 949 used to qualify. - Due Diligence Vendor-08/27/2025 |  | Resolved-Income 2 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-09/04/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 76.69 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 16.06% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.97 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17.50 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17 |  | xxxxxx xxxxxx xxxxxx - MAR 2025.pdf<br> Screenshot 2025-09-03 102929.jpg<br> Screenshot 2025-09-03 102909.jpg<br> xxxxxx revised 1008 removing ssi.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843912 | xxxxxx | C B A | Closed | xxxxxx | 2025-08-13 18:38 | 2025-08-13 18:39 | Waived | 2 - Non-Material B | Credit | Eligibility | Condo project is ineligible per guidelines | Waived-Client Exception granted with Compensating Factors. Condo project does not meet guidelines. Client waiver provided with Comp Factors. Lender exception granted for condo project investor concentration >60% and additional project xxxxxx. - Due Diligence Vendor-08/13/2025 |  | Waived-Client Exception granted with Compensating Factors. Condo project does not meet guidelines. Client waiver provided with Comp Factors. Lender exception granted for condo project investor concentration >60% and additional project xxxxxx. - Due Diligence Vendor-08/13/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 756 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 97.02 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | Fico 20+ points<br> 6 mos reserves grater than the program requirement<br> DSCR rate way above min at 1.19% |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 843912 | xxxxxx | C B A | Closed | xxxxxx | 2025-08-01 19:31 | 2025-08-06 10:55 | Waived | 2 - Non-Material C B | Credit | Eligibility | Neighborhood Location Not Allowed for Guidelines | Waived-Client Exception granted with Compensating Factors. Subject is a xxxxxx property and dissalowed per guidelines - Due Diligence Vendor-08/06/2025 <br> Ready for Review-Document Uploaded. exception and approval email. loan number is listed in email trail - Buyer-08/05/2025 <br> Open-Primary Value Valuation Neighborhood Location Not Allowed for Program Rural Property not eligible per guidelines. - Due Diligence Vendor-08/01/2025 |  | Waived-Client Exception granted with Compensating Factors. Subject is a xxxxxx property and dissalowed per guidelines - Due Diligence Vendor-08/06/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 756 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 97.02 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | Fico 20+ points<br> 6 mos reserves grater than the program requirement<br> DSCR rate way above min at 1.19% | Exception email.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 843957 | xxxxxx | B A | Closed | xxxxxx | 2025-08-23 09:13 | 2025-08-23 09:16 | Waived | 2 - Non-Material B | Credit | Credit | Property Zoning is Ineligible | Waived-Client Exception granted with Compensating Factors. xxxxxx residential property is zoned for xxxxxx use. (page 93)(186) - Due Diligence Vendor-08/23/2025 |  | Waived-Client Exception granted with Compensating Factors. xxxxxx residential property is zoned for xxxxxx. (page 93)(186) - Due Diligence Vendor-08/23/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 791 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 114.75 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | FICO 20+ higher than minimum <br> Reserves 6 months+ above minimum |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 843961 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 843968 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 844018 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 844052 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 844068 | xxxxxx | B A | Closed | xxxxxx | 2025-09-12 06:03 | 2025-09-17 01:07 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008 provided. - Due Diligence Vendor-09/17/2025 <br>Ready for Review-Document Uploaded. See attached 1008 - Due Diligence Vendor-09/17/2025 <br>Open-1008/Underwriting Summary Not Provided 1008/Underwriting Summary / Approval Not Provided - Due Diligence Vendor-09/14/2025 |  | Resolved-1008 provided. - Due Diligence Vendor-09/17/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 22 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.04% 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 - 24.16 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 49.26 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 696 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 53.57% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  | Full Review844068_xxxxxx_9_15_2025_xxxxxx_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 844072 | xxxxxx | C A | Closed | xxxxxx | 2025-09-12 19:39 | 2025-09-17 12:37 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-\*\*Received ICD - Due Diligence Vendor-09/17/2025 <br>Ready for Review-Document Uploaded. See all disclosure history and disclosures - Due Diligence Vendor-09/17/2025 <br>Open-Initial CD is missing<br>Documentation provided does not contain the______________________________________. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings - Due Diligence Vendor-09/12/2025 |  | Resolved-\*\*Received ICD - Due Diligence Vendor-09/17/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.34% 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 - 13 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 89.03 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 720 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | Full Review844072_xxxxxx_9_16_2025_xxxxxx_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 844073 | xxxxxx | B A | Closed | xxxxxx | 2025-09-02 06:02 | 2025-09-04 22:04 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Approval/Underwriting Summary Partially Provided | Resolved-1008 provided. - Due Diligence Vendor-09/05/2025 <br>Ready for Review-Document Uploaded. Please see attached 1008. - Due Diligence Vendor-09/05/2025 <br>Open-1008/Underwriting Summary Partially Provided Lender has consider incorrect income hence DTI is getting above 50% please provide updated 1008 - Due Diligence Vendor-09/02/2025 |  | Resolved-1008 provided. - Due Diligence Vendor-09/05/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 791 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.4% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 23.56 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.58 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15 |  | Full Review844073_xxxxxx_9_4_2025_xxxxxx_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 844076 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 844082 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 844153 | xxxxxx | B A | Closed | xxxxxx | 2025-08-18 19:09 | 2025-08-18 19:09 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client Exception granted with Compensating Factors. Exception approval is required for transfer appraisal that is "Subject to". Per guideline, 'Subject to' appraisal transfer report is ineligible. 1004D is provided in file. - Due Diligence Vendor-08/18/2025 |  | Waived-Client Exception granted with Compensating Factors. Exception approval is required for transfer appraisal that is "Subject to". Per guideline, 'Subject to' appraisal transfer report is ineligible. 1004D is provided in file. - Due Diligence Vendor-08/18/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.58 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 75.19 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | Borrower exceeds minimum credit score requirement by at least 56 points; Current LTV is 25% less than max allowed |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 844153 | xxxxxx | B A | Closed | xxxxxx | 2025-08-05 15:16 | 2025-08-05 16:31 | Waived | 2 - Non-Material B | Credit | Missing Doc | VOM or VOR missing/required | Waived-Client Exception granted with Compensating Factors. Exception approval is required for using lender ledger in lieu of VOM and 12 months payment history on subject property. Ledger shows that payments were received on time, promissory note is in file and mortgage statement shows the terms of the loan. - Due Diligence Vendor-08/18/2025 |  | Waived-Client Exception granted with Compensating Factors. Exception approval is required for using lender ledger in lieu of VOM and 12 months payment history on subject property. Ledger shows that payments were received on time, promissory note is in file and mortgage statement shows the terms of the loan. - Due Diligence Vendor-08/18/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.58 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 75.19 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | \* Borrower exceeds minimum credit score requirement by at least 56 points.<br> \* Current LTV is 25% less than max allowed. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 844153 | xxxxxx | B A | Closed | xxxxxx | 2025-08-05 15:25 | 2025-08-05 16:31 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client Exception granted with Compensating Factors. Exception approval is required for 4x30x12 mortgage rating on xxxxxx. Per guideline, housing history must be 0x30x12. - Due Diligence Vendor-08/18/2025 |  | Waived-Client Exception granted with Compensating Factors. Exception approval is required for 4x30x12 mortgage rating on xxxxxx. Per guideline, housing history must be 0x30x12. - Due Diligence Vendor-08/18/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.58 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 75.19 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | \*Borrower exceeds minimum credit score requirement by at least 56 points.<br> \*Current LTV is 25% less than max allowed. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 844155 | xxxxxx | B A | Closed | xxxxxx | 2025-08-05 09:01 | 2025-08-05 09:01 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client Exception granted with Compensating Factors. Housing History Does Not Meet Guideline Requirements Waived with Compensating Factors. Per guides max allowed delinquency on mtg history is 0x30x12. Per credit borrower has been 2x30x12. - Due Diligence Vendor-08/18/2025 |  | Waived-Client Exception granted with Compensating Factors. Housing History Does Not Meet Guideline Requirements Waived with Compensating Factors. Per guides max allowed delinquency on mtg history is 0x30x12. Per credit borrower has been 2x30x12. - Due Diligence Vendor-08/18/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 689 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.34 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 25.91 Years | 1. Credit Score is 689, minimum required is 660.<br> 2. DSCR 1.00<br> 3. Post closing reserves is 10.50 months which program requires 2 months |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 844157 | xxxxxx | B A | Closed | xxxxxx | 2025-08-06 14:51 | 2025-08-06 14:51 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client Exception granted with Compensating Factors. Exception granted for undocumented housing history as borrower pays rent in cash. - Due Diligence Vendor-08/06/2025 |  | Waived-Client Exception granted with Compensating Factors. Exception granted for undocumented housing history as borrower pays rent in cash. - Due Diligence Vendor-08/06/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 777 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Qualifying FICO Of 777 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 38.55 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Months Reserves Of 38.55 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 844157 | xxxxxx | B A | Closed | xxxxxx | 2025-07-31 08:31 | 2025-07-31 08:31 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client Exception granted with Compensating Factors. Audited LTV of 80% exceeds Guideline LTV of 70% 80% LTV EXCEEDS THE MAX ALLOWED 70% FOR FTHB <br> - Due Diligence Vendor-07/31/2025 |  | Waived-Client Exception granted with Compensating Factors. Audited LTV of 80% exceeds Guideline LTV of 70% 80% LTV EXCEEDS THE MAX ALLOWED 70% FOR FTHB <br> - Due Diligence Vendor-07/31/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 777 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Qualifying FICO Of 777 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 38.55 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Months Reserves Of 38.55 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | QUALIFYING FICO = 777 HIGHER THAN MINIMUM OF 660, EXPERIENCED INVESTOR, 36 MONTHS RESERVES, DSCR OF 1.40 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 844157 | xxxxxx | B A | Closed | xxxxxx | 2025-07-31 08:31 | 2025-07-31 08:31 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Client Exception granted with Compensating Factors. Audited Loan Amount of xxxxxx is less than the Guideline Minimum Loan Amount of 150000 xxxxxx IS LESS THAN THE MINIMUM ALLOWED OF $150,000 - Due Diligence Vendor-07/31/2025 |  | Waived-Client Exception granted with Compensating Factors. Audited Loan Amount of xxxxxx is less than the Guideline Minimum Loan Amount of 150000 xxxxxx IS LESS THAN THE MINIMUM ALLOWED OF $150,000 - Due Diligence Vendor-07/31/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 777 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Qualifying FICO Of 777 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 38.55 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months Months Reserves Of 38.55 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | QUALIFYING FICO = 777 HIGHER THAN MINIMUM OF 660, EXPERIENCED INVESTOR, 36 MONTHS RESERVES, DSCR OF 1.40 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 844160 | xxxxxx | D B A | Closed | xxxxxx | 2025-05-21 14:53 | 2025-08-06 14:52 | Waived | 2 - Non-Material B | Credit | Eligibility | Number of Mortgaged Properties and/or aggregate loan balance with lender exceeds max allowable. | Waived-Client Exception granted with Compensating Factors. Exception required for the transaction has exceeded the aggregate financed amount of xxxxxx and the number of loans financed (max is 10). Borrower as xxxxxx financed properties. Origination exception granted with comp factors. - Due Diligence Vendor-08/06/2025 |  | Waived-Client Exception granted with Compensating Factors. Exception required for the transaction has exceeded the aggregate financed amount of xxxxxx and the number of loans financed (max is 10). Borrower as xxxxxx financed properties. Origination exception granted with comp factors. - Due Diligence Vendor-08/06/2025 | Experienced xxxxxx - - Borrower has long term investment property ownership experience<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 146.81 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | • >4 months reserves<br> • 1.0 DSCR<br> • C1 property condition |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 844160 | xxxxxx | D B A | Closed | xxxxxx | 2025-05-21 14:51 | 2025-06-02 08:19 | Resolved | 1 - Information D A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal has been provided - Due Diligence Vendor-06/02/2025 <br>Ready for Review-Document Uploaded. - Seller-05/29/2025 <br>Open-Appraisal is Missing Missing appraisal with 1007 - Due Diligence Vendor-05/21/2025 | Ready for Review-Document Uploaded. - Seller-05/29/2025<br>| Resolved-Appraisal has been provided - Due Diligence Vendor-06/02/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 146.81 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | APPRAISAL.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 844160 | xxxxxx | D B A | Closed | xxxxxx | 2025-05-21 14:56 | 2025-05-27 11:15 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client Exception granted with Compensating Factors. Audited LTV of 74.59% exceeds Guideline LTV of 70% Exception required for 74.59% LTV, maximum allowed is 70% for unleased property. - Due Diligence Vendor-05/21/2025 |  | Waived-Client Exception granted with Compensating Factors. Audited LTV of 74.59% exceeds Guideline LTV of 70% Exception required for 74.59% LTV, maximum allowed is 70% for unleased property. - Due Diligence Vendor-05/21/2025<br>| Experienced xxxxxx - - Borrower has long term investment property ownership experience<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 146.81 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | • >4 months reserves<br> • 1.0 DSCR<br> • C1 property condition |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 844165 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 844254 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 844316 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 844336 | xxxxxx | D A | Closed | xxxxxx | 2025-09-26 07:06 | 2025-10-02 14:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-10/02/2025 <br>Ready for Review-Document Uploaded. - Due Diligence Vendor-10/02/2025 <br>Ready for Review-Document Uploaded. Please see UDN<br> - Due Diligence Vendor-10/02/2025 <br>Open-Borrower 1 Gap Credit Report is Missing A gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 30- days prior to loan <br> closing or any time after closing - Due Diligence Vendor-09/26/2025 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-10/02/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.12 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 715 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | Full Review847362_xxxxxx_10_1_2025_xxxxxx_PM.zip<br> Full Review844336_xxxxxx_10_1_2025_xxxxxx_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 844338 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 844366 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 844377 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 844378 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 844380 | xxxxxx | D A | Closed | xxxxxx | 2025-09-18 06:17 | 2025-09-22 13:40 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-09/22/2025 <br>Ready for Review-Document Uploaded. See attached flood cert - Due Diligence Vendor-09/20/2025 <br>Open-Missing Flood Certificate - Due Diligence Vendor-09/18/2025 |  | Resolved-Flood Certificate is fully present - Due Diligence Vendor-09/22/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.11 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.63% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.96 Years |  | Full Review844380_xxxxxx_9_19_2025_xxxxxx_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 844417 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 844582 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 844620 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 844627 | xxxxxx | B A | Closed | xxxxxx | 2025-09-04 15:55 | 2025-09-04 15:56 | Waived | 2 - Non-Material B | Credit | Missing Doc | Missing an established escrow impound account for taxes and insurance. | Waived-Client Exception granted with Compensating Factors. Approved exception with comp factors for waiving escrow when required by program guidelines. - Due Diligence Vendor-09/04/2025 |  | Waived-Client Exception granted with Compensating Factors. Approved exception with comp factors for waiving escrow when required by program guidelines. - Due Diligence Vendor-09/04/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 213.49 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.2<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 820 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.75 Years | Fico 20 points higher than program min required. 6 months reserves greater than program requires. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 844627 | xxxxxx | B A | Closed | xxxxxx | 2025-09-04 15:53 | 2025-09-04 15:55 | Waived | 2 - Non-Material B | Credit | Eligibility | Neighborhood Location Not Allowed for Guidelines | Waived-Client Exception granted with Compensating Factors. Primary Value Valuation Neighborhood Location Not Allowed for Program Approved exception with comp factors for rural property with xxxxxx acres. - Due Diligence Vendor-09/04/2025 |  | Waived-Client Exception granted with Compensating Factors. Primary Value Valuation Neighborhood Location Not Allowed for Program Approved exception with comp factors for rural property with xxxxxx acres. - Due Diligence Vendor-09/04/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 213.49 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.2<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 820 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.75 Years | Fico 20 points higher than program min required. 6 months reserves greater than program requires. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 844663 | xxxxxx | D A C | Closed | xxxxxx | 2025-08-26 18:29 | 2025-09-04 22:02 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | Closing/Settlement Disclosure Unexecuted | Resolved-Final SS provided. - Due Diligence Vendor-09/05/2025 <br> Ready for Review-Document Uploaded. Please see the Final Settlement Statement. xxxxxx! - Due Diligence Vendor-09/05/2025 <br> Counter-Settlement statement is listed as just an estimate and was printed 08/14/25. Still looking for the settlement statement indicitive of a final settlement statement. - Due Diligence Vendor-09/02/2025 <br> Ready for Review-Document Uploaded. Please see executed Settlement Statement. - Due Diligence Vendor-09/02/2025 <br> Open-Closing/Settlement Disclosure Unexecuted - Due Diligence Vendor-08/26/2025 |  | Resolved-Final SS provided. - Due Diligence Vendor-09/05/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 771 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.2 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | Full Review844663_xxxxxx_8_29_2025_xxxxxx_PM.zip<br> Full Review844663_xxxxxx_9_4_2025_xxxxxx_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 844663 | xxxxxx | D A C | Closed | xxxxxx | 2025-08-26 18:03 | 2025-08-28 17:24 | Resolved | 1 - Information C A | Credit | Borrower | Stated Citizenship is Not Supported and/or Discrepancies present | Resolved-Updated 1003 provided to show correct status of Permanent Resident Alien. - Due Diligence Vendor-08/28/2025 <br> Ready for Review-Document Uploaded. Please see uploaded 1003. xxxxxx!<br> - Due Diligence Vendor-08/28/2025 <br> Open-Documentation in file does not support and/or match stated citizenship from 1003. The loan application indicates the Borrower is a xxxxxx; however a copy of a permanet resident card was located in the file. Please confirm citizenship. - Due Diligence Vendor-08/26/2025 |  | Resolved-Updated 1003 provided to show correct status of Permanent Resident Alien. - Due Diligence Vendor-08/28/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 771 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.2 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | Full Review844663_xxxxxx_8_28_2025_xxxxxx_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 844703 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 844717 | xxxxxx | D A | Closed | xxxxxx | 2025-09-03 17:46 | 2025-10-01 14:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Lease agreement with 2 months proof of rental income provided. - Due Diligence Vendor-10/01/2025 <br> Ready for Review-Document Uploaded. Please see attached<br> - Due Diligence Vendor-10/01/2025 <br> Counter-Final 1003 reflects using Rental Income of $4500.00 for Investment property located at xxxxxx however the file is missing the Lease agreement - Due Diligence Vendor-09/24/2025 <br> Ready for Review-Document Uploaded. PLease see attached. - Due Diligence Vendor-09/22/2025 <br> Open-Lease Agreement is missing for xxxxxx - Due Diligence Vendor-09/03/2025 |  | Resolved-Lease agreement with 2 months proof of rental income provided. - Due Diligence Vendor-10/01/2025<br>|  |  | Full Review844717_xxxxxx_9_22_2025_xxxxxx_PM.zip<br> Full Review844717_xxxxxx_9_30_2025_xxxxxx_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844717 | xxxxxx | D A | Closed | xxxxxx | 2025-08-26 02:10 | 2025-09-24 08:23 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 2 Citizenship Documentation Not Provided | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-09/24/2025 <br> Ready for Review-Document Uploaded. PLease see attached. - Due Diligence Vendor-09/22/2025 <br> Open-Borrower 2 Citizenship Documentation Is Missing (Number of Borrowers equals 2 Borrower 2 Residency Doc Locator is Missing) - Due Diligence Vendor-08/26/2025 |  | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-09/24/2025 |  |  | Full Review844717_xxxxxx_9_22_2025_xxxxxx_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844717 | xxxxxx | D A | Closed | xxxxxx | 2025-08-26 02:10 | 2025-09-24 08:23 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-09/24/2025 <br> Ready for Review-Document Uploaded. PLease see attached. - Due Diligence Vendor-09/22/2025 <br> Open-Borrower 1 Citizenship Documentation Is Missing - Due Diligence Vendor-08/26/2025 |  | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-09/24/2025 |  |  | Full Review844717_xxxxxx_9_22_2025_xxxxxx_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844718 | xxxxxx | D A | Closed | xxxxxx | 2025-09-17 08:37 | 2025-09-30 08:02 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided - Due Diligence Vendor-09/30/2025 <br> Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-09/29/2025 <br> Open-CDA Ordered - Due Diligence Vendor-09/23/2025 <br> Ready for Review-Please order a CDA - Due Diligence Vendor-09/22/2025 <br> Open-Missing 3rd Party Valuation. CU/LCA are greater than 2.5. - Due Diligence Vendor-09/17/2025 |  | Resolved-Desk review provided - Due Diligence Vendor-09/30/2025 |  |  | Full Review844718_xxxxxx_9_26_2025_xxxxxx_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 844718 | xxxxxx | D A | Closed | xxxxxx | 2025-09-17 08:43 | 2025-09-25 14:24 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-09/25/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Due Diligence Vendor-09/24/2025 <br> Open-Missing Hazard Insurance Policy - Due Diligence Vendor-09/17/2025 |  | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-09/25/2025<br>|  |  | Full Review844718_xxxxxx_9_24_2025_xxxxxx_AM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 844718 | xxxxxx | D A | Closed | xxxxxx | 2025-09-03 04:53 | 2025-09-25 14:23 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 2 Citizenship Documentation Not Provided | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-09/25/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Due Diligence Vendor-09/24/2025 <br> Open-Borrower 2 Citizenship Documentation Is Missing (Number of Borrowers equals 2 Borrower 2 Residency Doc Locator is Missing) - Due Diligence Vendor-09/03/2025 |  | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-09/25/2025 |  |  | Full Review844718_xxxxxx_9_24_2025_xxxxxx_AM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 844718 | xxxxxx | D A | Closed | xxxxxx | 2025-09-03 04:53 | 2025-09-25 14:23 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-09/25/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Due Diligence Vendor-09/24/2025 <br> Open-Borrower 1 Citizenship Documentation Is Missing. - Due Diligence Vendor-09/03/2025 |  | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-09/25/2025 |  |  | Full Review844718_xxxxxx_9_24_2025_xxxxxx_AM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 844719 | xxxxxx | D A | Closed | xxxxxx | 2025-09-09 13:41 | 2025-09-23 14:44 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-xxxxxx Patriot Act Form provided. - Due Diligence Vendor-09/23/2025 <br> Ready for Review-Document Uploaded. Please see attached - Due Diligence Vendor-09/22/2025 <br> Open-Borrower 1 Citizenship Documentation Is Missing Borrower 1 Citizenship Documentation/ID Is Missing - Due Diligence Vendor-09/09/2025 |  | Resolved-xxxxxx Patriot Act Form provided. - Due Diligence Vendor-09/23/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.14 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.19 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months |  | Full Review844719_xxxxxx_9_22_2025_xxxxxx_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 844719 | xxxxxx | D A | Closed | xxxxxx | 2025-09-09 15:39 | 2025-09-22 19:23 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster area. | Resolved-PDI provided shows no disasters. - Due Diligence Vendor-09/22/2025 <br> Open-Property is located in a FEMA Declared Disaster area and requires a post-disaster inspection. Subject is located in an individual assistance declared area for FEMA disaster xxxxxx. PDI is required to confirm no damage to the subject property since the appraisal occured. - Due Diligence Vendor-09/09/2025 |  | Resolved-PDI provided shows no disasters. - Due Diligence Vendor-09/22/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.14 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.19 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 844722 | xxxxxx | D B A | Closed | xxxxxx | 2025-08-24 23:04 | 2025-10-01 23:21 | Waived | 2 - Non-Material C B | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Waived-Client Exception granted with Compensating Factors. Client provided guideline exception waiving the need to document insurance during construction period. Property converted to xxxxxx in xxxxxx upon completion. - Due Diligence Vendor-10/02/2025 <br> Ready for Review-The request for an exception to client eligibility criteria is granted. - Due Diligence Vendor-10/02/2025 <br> Open-Hazard Insurance Effective Date of xxxxxx is after the construction Disbursement Date of xxxxxx. Missing evidence of builders risk insurance during construction period. - Due Diligence Vendor-08/25/2025 |  | Waived-Client Exception granted with Compensating Factors. Client provided guideline exception waiving the need to document insurance during xxxxxx period. Property converted to xxxxxx in xxxxxx upon completion. - Due Diligence Vendor-10/02/2025 | LTV/CLTV 5% or more below the maximum allowed under applicable guidelines <br> Residual income more than 1.5x the amount required by guidelines | Compensating Factor 1 - LTV/CLTV 5% or more below the maximum allowed under applicable guidelines / <br> Compensating Factor 2 - Residual income more than 1.5x the amount required by guidelines |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 844722 | xxxxxx | D B A | Closed | xxxxxx | 2025-08-24 22:21 | 2025-09-30 17:22 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-Patriot act documentation provided. - Due Diligence Vendor-09/30/2025 <br> Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-09/30/2025 <br> Counter-Excel worksheet provided however condition is requesting xxxxxx Patriot Act Form - Due Diligence Vendor-09/30/2025 <br> Ready for Review-Document Uploaded. see attached Patriot act - Due Diligence Vendor-09/29/2025 <br> Open-Borrower 1 Citizenship Documentation Is Missing Borrower Citizenship Documentation Is Missing in file - Due Diligence Vendor-08/25/2025 |  | Resolved-Patriot act documentation provided. - Due Diligence Vendor-09/30/2025<br>|  |  | Full Review_Comments_844722_xxxxxx_9_29_2025_xxxxxx_PM.csv<br> 844722_xxxxxx an_xxxxxx.zip<br> Full Review844722_xxxxxx_9_29_2025_xxxxxx_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 844723 | xxxxxx | D A | Closed | xxxxxx | 2025-09-12 12:39 | 2025-09-25 14:29 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-09/25/2025 <br> Ready for Review-Document Uploaded. see attached HOI - Due Diligence Vendor-09/24/2025 <br> Open-Missing Hazard Insurance Policy - Due Diligence Vendor-09/12/2025 |  | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-09/25/2025<br>|  |  | Full Review844723_xxxxxx_9_24_2025_xxxxxx_AM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 844723 | xxxxxx | D A | Closed | xxxxxx | 2025-08-25 10:37 | 2025-09-24 08:42 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 2 Citizenship Documentation Not Provided | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-09/24/2025 <br> Ready for Review-Document Uploaded. please see attached patriot act - Due Diligence Vendor-09/22/2025 <br> Open-Borrower 2 Citizenship Documentation Is Missing (Number of Borrowers equals 2 Borrower 2 Residency Doc Locator is Missing) - Due Diligence Vendor-09/12/2025 |  | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-09/24/2025 |  |  | Full Review844723_xxxxxx_9_22_2025_xxxxxx_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 844723 | xxxxxx | D A | Closed | xxxxxx | 2025-08-25 10:37 | 2025-09-24 08:41 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-09/24/2025 <br> Ready for Review-Document Uploaded. please see attached patriot act - Due Diligence Vendor-09/22/2025 <br> Open-Borrower 1 Citizenship Documentation Is Missing - Due Diligence Vendor-09/12/2025 |  | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-09/24/2025 |  |  | Full Review844723_xxxxxx_9_22_2025_xxxxxx_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 844724 | xxxxxx | D A | Closed | xxxxxx | 2025-09-09 11:27 | 2025-09-24 12:42 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-UDN Provided started and went through closing date with no new debts. - Due Diligence Vendor-09/24/2025 <br> Counter-Please provide the post construction hazard insurance policy with endorsements. - Due Diligence Vendor-09/18/2025 <br> Ready for Review-This loan is a xxxxxx loan and HOI wasnt required to close on the xxxxxx. Once the house was complete then the HOI was required which is why the effective date is after the original loan date. During construction, the xxxxxx carried builders risk insurance - Due Diligence Vendor-09/17/2025 <br> Open-Missing Hazard Insurance Policy - Due Diligence Vendor-09/09/2025 |  | Resolved-UDN Provided started and went through closing date with no new debts. - Due Diligence Vendor-09/24/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.25 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 28 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 124.76 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.76% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 46.43% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 766 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 844724 | xxxxxx | D A | Closed | xxxxxx | 2025-08-26 00:11 | 2025-09-18 12:44 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-ID provided - Due Diligence Vendor-09/18/2025 <br> Ready for Review-Document Uploaded. patriot act has been added - Due Diligence Vendor-09/17/2025 <br> Open-Borrower 1 Citizenship Documentation Is Missing - Due Diligence Vendor-08/26/2025 |  | Resolved-ID provided - Due Diligence Vendor-09/18/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.25 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 28 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 124.76 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.76% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 46.43% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 766 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | Full Review844724_xxxxxx_9_16_2025_xxxxxx_PM.zip | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 844724 | xxxxxx | D A | Closed | xxxxxx | 2025-08-26 00:11 | 2025-09-18 12:44 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 2 Citizenship Documentation Not Provided | Resolved-ID provided - Due Diligence Vendor-09/18/2025 <br> Ready for Review-Document Uploaded. attached - Due Diligence Vendor-09/17/2025 <br> Open-Document Uploaded. patriot act has been added - Due Diligence Vendor-09/17/2025 <br> Open-Borrower 2 Citizenship Documentation Is Missing (Number of Borrowers equals 2 Borrower 2 Residency Doc Locator is Missing) Borrower 2 Citizenship Documentation Is Missing - Due Diligence Vendor-08/26/2025 |  | Resolved-ID provided - Due Diligence Vendor-09/18/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.25 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 28 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 124.76 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.76% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 46.43% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 766 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | Full Review844724_xxxxxx_9_16_2025_xxxxxx_PM.zip<br>Full Review844724_xxxxxx_9_16_2025_xxxxxx_PM.zip | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 844725 | xxxxxx | D B A | Closed | xxxxxx | 2025-08-25 02:15 | 2025-09-24 08:56 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 2 Citizenship Documentation Not Provided | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-09/24/2025 <br> Ready for Review-Document Uploaded. please see patriot disclosure added - Due Diligence Vendor-09/22/2025 <br> Open-Borrower 2 Citizenship Documentation Is Missing (Number of Borrowers equals 2 Borrower 2 Residency Doc Locator is Missing) - Due Diligence Vendor-08/25/2025 |  | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-09/24/2025 |  |  | Full Review844725_xxxxxx_9_22_2025_xxxxxx_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 844725 | xxxxxx | D B A | Closed | xxxxxx | 2025-08-25 02:15 | 2025-09-24 08:56 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-09/24/2025 <br> Ready for Review-Document Uploaded. please see patriot disclosure added - Due Diligence Vendor-09/22/2025 <br> Open-Borrower 1 Citizenship Documentation Is Missing - Due Diligence Vendor-08/25/2025 |  | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-09/24/2025 |  |  | Full Review844725_xxxxxx_9_22_2025_xxxxxx_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 844725 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-12 12:37 | 2025-09-22 19:56 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds AUS DTI | Waived-Client Exception granted with Compensating Factors. Client provided guideline exception for AUS re-run Due to DTI exceeding 43%. - Due Diligence Vendor-09/22/2025<br> Ready for Review-The request for an exception to client eligibility criteria is granted. - Due Diligence Vendor-09/22/2025 <br> Open-Audited DTI of 43.09% exceeds AUS DTI of 43% DTI Variance due to lender using a lower Hazard payment in their calculation. - Due Diligence Vendor-09/12/2025 |  | Waived-Client Exception granted with Compensating Factors. Client provided guideline exception for AUS re-run Due to DTI exceeding 43%. - Due Diligence Vendor-09/22/2025 | LTV/CLTV 5% or more below the maximum allowed under applicable guidelines <br> Residual income more than 1.5x the amount required by guidelines | Compensating Factor 1 - LTV/CLTV 5% or more below the maximum allowed under applicable guidelines / <br> Compensating Factor 2 - Residual income more than 1.5x the amount required by guidelines |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 844725 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-12 12:33 | 2025-09-22 08:32 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Document Uploaded. - Due Diligence Vendor-09/22/2025 <br> Open-CDA Ordered - Due Diligence Vendor-09/17/2025 <br> Ready for Review-Please order a CDA - Due Diligence Vendor-09/17/2025 <br> Open-LCA and CU do not meet 2.5 or less, CDA required. - Due Diligence Vendor-09/12/2025 |  | Resolved-Document Uploaded. - Due Diligence Vendor-09/22/2025<br>|  |  | 844725 CDA.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 844726 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-30 07:52 | 2025-10-05 22:17 | Waived | 2 - Non-Material C B | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Waived-Client Exception granted with Compensating Factors. Client provided a guideline exception allowing for the insurance coverage based on comp factors provided. - Due Diligence Vendor-10/06/2025 <br> Ready for Review-The request for an exception to client eligibility criteria is granted. - Due Diligence Vendor-10/06/2025 <br> Open-Hazard Insurance Coverage in the amount of xxxxxx is less than the minimum required coverage amount of xxxxxx - Missing RCE from file to support the State Farm Dwelling coverage of xxxxxx - Due Diligence Vendor-09/30/2025 |  | Waived-Client Exception granted with Compensating Factors. Client provided a guideline exception allowing for the insurance coverage based on comp factors provided. - Due Diligence Vendor-10/06/2025<br>| Credit Score 10 points > minimum required <br> Reserves exceed requirement by 2 months or more  | Compensating Factor 1 - Credit Score 10 points > minimum required / <br> Compensating Factor 2 - Reserves exceed requirement by 2 months or more / <br> Compensating Factor 3 - Residual income more than 1.5x the amount required by guidelines |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 844726 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-12 10:41 | 2025-09-30 07:52 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-09/30/2025 <br> Ready for Review-Document Uploaded. please see hoi attached - Due Diligence Vendor-09/29/2025 <br> Open-Builders risk in file. Hazard policy not provided. - Due Diligence Vendor-09/12/2025 |  | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-09/30/2025<br>|  |  | Full Review844726_xxxxxx_9_29_2025_xxxxxx_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 844726 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-12 10:07 | 2025-09-30 07:42 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided - Due Diligence Vendor-09/30/2025 <br> Ready for Review-Document Uploaded. CDA attached - Due Diligence Vendor-09/29/2025 <br> Open-CDA ordered - no action required at this time. - Due Diligence Vendor-09/23/2025 <br> Ready for Review-Order CDA - Due Diligence Vendor-09/23/2025 <br> Open-CU and LCA are outside tolerance. CDA not provided. - Due Diligence Vendor-09/12/2025 |  | Resolved-Desk review provided - Due Diligence Vendor-09/30/2025<br>|  |  | Full Review844726_xxxxxx_9_26_2025_xxxxxx_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 844726 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-12 10:51 | 2025-09-22 19:55 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds AUS DTI | Waived-Client Exception granted with Compensating Factors. Client provided guideline exception for AUS re-run Due to DTI exceeding 43%. - Due Diligence Vendor-09/22/2025<br> Ready for Review-The request for an exception to client eligibility criteria is granted. - Due Diligence Vendor-09/22/2025 <br> Open-Audited DTI of 43.11% exceeds AUS DTI of 42.98% DTI Variance of .13%. Lender income stated on 1003 does not match AUS/1008 income of $13,852.62. Income variance of -$71.08. Asset depletion variance of $30.90. Total Variance of -$40.18 based on review calculations. - Due Diligence Vendor-09/12/2025 |  | Waived-Client Exception granted with Compensating Factors. Client provided guideline exception for AUS re-run Due to DTI exceeding 43%. - Due Diligence Vendor-09/22/2025 | Credit Score 10 points > minimum required<br> Reserves exceed requirement by 2 months or more | Compensating Factor 1 - Credit Score 10 points > minimum required / <br> Compensating Factor 2 - Reserves exceed requirement by 2 months or more / Compensating Factor 3 - Residual income more than 1.5x the amount required by guidelines |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 844727 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-16 15:00 | 2025-10-01 14:26 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-10/01/2025 <br> Ready for Review-Document Uploaded. see cure doc attached to condition code xxxxxx - Due Diligence Vendor-10/01/2025 <br> Counter-xxxxxx for the confusion, Per Guidelines: xxxxxx requires a "xxxxxx" credit report within 10 business days prior to loan closing. Please review requirements under xxxxxx Correspondent Underwriting Guidelines/Re-verification of Credit Prior to Closing (Gap Report) for all details. the GAP report in the file is dated 1.18.2023 > 10 days required. - Due Diligence Vendor-09/26/2025 <br> Ready for Review-Can you please provide more information on what document is being reviewed? Our fraud tool, Data Verify, monitors the credit and we turn it off after funding. - Due Diligence Vendor-09/25/2025 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-09/16/2025 |  | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-10/01/2025<br>|  |  | Full Review844727_xxxxxx_9_30_2025_xxxxxx_PM.zip<br> Full Review844727_xxxxxx_9_30_2025_xxxxxx_PM.zip | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 844727 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-16 15:00 | 2025-10-01 14:26 | Resolved | 1 - Information C A | Credit | Closing | Borrower 2 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 2 Gap Credit Report is not expired. - Due Diligence Vendor-10/01/2025 <br> Ready for Review-Document Uploaded. see cure doc attached to condition code xxxxxx - Due Diligence Vendor-10/01/2025 <br> Counter-xxxxxx for the confusion, Per Guidelines: xxxxxx requires a "xxxxxx" credit report within 10 business days prior to loan closing. Please review requirements under xxxxxx Correspondent Underwriting Guidelines/Re-verification of Credit Prior to Closing (Gap Report) for all details. the GAP report in the file is dated 1.18.2023 > 10 days required. - Due Diligence Vendor-09/26/2025 <br> Ready for Review-Can you please provide more information on what document is being reviewed? Our fraud tool, Data Verify, monitors the credit and we turn it off after funding. - Due Diligence Vendor-09/25/2025 <br> Open-Borrower 2 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-09/16/2025 |  | Resolved-Borrower 2 Gap Credit Report is not expired. - Due Diligence Vendor-10/01/2025<br>|  |  | Full Review844727_xxxxxx_9_30_2025_xxxxxx_PM.zip<br> Full Review844727_xxxxxx_9_30_2025_xxxxxx_PM.zip | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 844727 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-16 15:19 | 2025-09-30 07:55 | Resolved | 1 - Information C A | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Resolved-Desk review provided - Due Diligence Vendor-09/30/2025 <br> Ready for Review-Document Uploaded. CDA attached. - Due Diligence Vendor-09/29/2025 <br> Open-CDA Ordered - Due Diligence Vendor-09/23/2025 <br> Ready for Review-Please order a CDA - Due Diligence Vendor-09/22/2025 <br> Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 4.5) - Due Diligence Vendor-09/18/2025 |  | Resolved-Desk review provided - Due Diligence Vendor-09/30/2025<br>|  |  | Full Review844727_xxxxxx_9_26_2025_xxxxxx_PM.zip | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 844727 | xxxxxx | D A C | Closed | xxxxxx | 2025-08-25 04:47 | 2025-09-25 12:20 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved- - Due Diligence Vendor-09/25/2025 <br> Ready for Review-Document Uploaded. Please see attached - Due Diligence Vendor-09/24/2025 <br> Open-Mortgage statement missing xxxxxx . - Due Diligence Vendor-08/25/2025 |  |  |  |  | Full Review844727_xxxxxx_9_24_2025_xxxxxx_PM.zip | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 844727 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-16 14:51 | 2025-09-25 12:19 | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-09/25/2025 <br> Ready for Review-Document Uploaded. Please see attached - Due Diligence Vendor-09/24/2025 <br> Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxxxxx is less than the minimum required coverage amount of xxxxxx - Due Diligence Vendor-09/16/2025 |  | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-09/25/2025<br>|  |  | Full Review844727_xxxxxx_9_24_2025_xxxxxx_PM.zip | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 844728 | xxxxxx | D A | Closed | xxxxxx | 2025-09-04 16:19 | 2025-09-17 09:02 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | HO6 Master Insurance Policy is Missing | Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-09/17/2025 <br> Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-09/17/2025 <br> Open-Missing HO-6 Master Insurance Policy - Due Diligence Vendor-09/04/2025 |  | Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-09/17/2025<br>|  |  | Full Review844728_xxxxxx_9_16_2025_xxxxxx_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844728 | xxxxxx | D A | Closed | xxxxxx | 2025-08-25 05:18 | 2025-09-17 09:01 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-09/17/2025 <br> Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-09/17/2025 <br> Open-Borrower 1 Citizenship Documentation Is Missing - Due Diligence Vendor-08/25/2025 |  | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-09/17/2025 |  |  | Full Review844728_xxxxxx_9_16_2025_xxxxxx_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844728 | xxxxxx | D A | Closed | xxxxxx | 2025-09-04 16:18 | 2025-09-17 08:59 | Resolved | 1 - Information D A | Credit | Missing Doc | HOA Questionnaire is Missing or incomplete | Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-09/17/2025 <br> Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-09/17/2025 <br> Open-HOA Questionnaire Document status is Missing. - Due Diligence Vendor-09/04/2025 |  | Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-09/17/2025<br>|  |  | Full Review844728_xxxxxx_9_16_2025_xxxxxx_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844728 | xxxxxx | D A | Closed | xxxxxx | 2025-09-04 16:18 | 2025-09-17 08:59 | Resolved | 1 - Information D A | Credit | Missing Doc - Property | Purchase Contract is Missing | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-09/17/2025 <br> Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-09/17/2025 <br> Open-Purchase Contract Is Missing - Due Diligence Vendor-09/04/2025 |  | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-09/17/2025<br>|  |  | Full Review844728_xxxxxx_9_12_2025_xxxxxx_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844729 | xxxxxx | D A | Closed | xxxxxx | 2025-08-25 02:07 | 2025-09-23 14:43 | Resolved | 1 - Information D A | Credit | Missing Doc - Property | Purchase Contract is Missing | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-09/23/2025 <br> Ready for Review-Document Uploaded. please see attached to clear exception - Due Diligence Vendor-09/22/2025 <br> Open-Purchase Contract Is Missing - Due Diligence Vendor-08/25/2025 |  | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-09/23/2025<br>|  |  | Full Review844729_xxxxxx_9_22_2025_xxxxxx_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844729 | xxxxxx | D A | Closed | xxxxxx | 2025-09-17 02:46 | 2025-09-22 08:43 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Document Uploaded. - Due Diligence Vendor-09/22/2025 <br> Open-CDA Ordered - Due Diligence Vendor-09/17/2025 <br> Ready for Review-Please order a CDA - Due Diligence Vendor-09/17/2025 <br> Open-3rd Party Valuation Product Required--CU score >2.5. <br> - Due Diligence Vendor-09/17/2025 |  | Resolved-Document Uploaded. - Due Diligence Vendor-09/22/2025<br>|  |  | 844729 CDA.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844731 | xxxxxx | D A | Closed | xxxxxx | 2025-09-17 11:26 | 2025-09-25 13:31 | Resolved | 1 - Information C A | Credit | Borrower | Borrower Identification Documentation Missing | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-09/25/2025 <br> Ready for Review-Document Uploaded. Please see attached - Due Diligence Vendor-09/24/2025 <br> Open- Missing xxxxxx Patriot Act Form and or Valid Drivers License. - Due Diligence Vendor-09/17/2025 |  | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-09/25/2025 |  |  | Full Review844731_xxxxxx_9_24_2025_xxxxxx_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 844731 | xxxxxx | D A | Closed | xxxxxx | 2025-09-09 12:59 | 2025-09-17 11:22 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-09/17/2025 <br> Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-09/17/2025 <br> Open-Missing Hazard Insurance Policy Missing insurance policy for subject property. - Due Diligence Vendor-09/09/2025 |  | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-09/17/2025<br>|  |  | Full Review844731_xxxxxx_9_15_2025_xxxxxx_AM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 844731 | xxxxxx | D A | Closed | xxxxxx | 2025-09-09 13:02 | 2025-09-17 11:19 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Property Tax Cert | Resolved-Property Tax Cert Provided - Due Diligence Vendor-09/17/2025 <br> Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-09/17/2025 <br> Open-Missing Property Tax Cert - Due Diligence Vendor-09/09/2025 |  | Resolved-Property Tax Cert Provided - Due Diligence Vendor-09/17/2025<br>|  |  | Full Review844731_xxxxxx_9_15_2025_xxxxxx_AM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 844732 | xxxxxx | D A | Closed | xxxxxx | 2025-09-17 10:01 | 2025-09-30 07:57 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided - Due Diligence Vendor-09/30/2025 <br> Ready for Review-Document Uploaded. CDA attached. - Due Diligence Vendor-09/29/2025 <br> Open-CDA Ordered - Due Diligence Vendor-09/23/2025 <br> Ready for Review-Please order a CDA - Due Diligence Vendor-09/22/2025 <br> Open-CU >2.5, CDA not provided. - Due Diligence Vendor-09/17/2025 |  | Resolved-Desk review provided - Due Diligence Vendor-09/30/2025<br>|  |  | Full Review844732_xxxxxx_9_26_2025_xxxxxx_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 844732 | xxxxxx | D A | Closed | xxxxxx | 2025-09-17 09:54 | 2025-09-30 07:57 | Resolved | 1 - Information C A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report is fully present, or Not Applicable - Due Diligence Vendor-09/25/2025 <br> Ready for Review-Document Uploaded. Please see attached - Due Diligence Vendor-09/24/2025 <br> Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not fully Present - Due Diligence Vendor-09/17/2025 |  | Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report is fully present, or Not Applicable - Due Diligence Vendor-09/25/2025<br>|  |  | Full Review844732_xxxxxx_9_24_2025_xxxxxx_AM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 844732 | xxxxxx | D A | Closed | xxxxxx | 2025-09-17 09:54 | 2025-09-25 09:39 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-09/25/2025 <br> Ready for Review-Document Uploaded. Please see attached - Due Diligence Vendor-09/24/2025 <br> Open-Missing Hazard Insurance Policy Missing Hazard Policy and xxxxxx Risk. - Due Diligence Vendor-09/17/2025 |  | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-09/25/2025<br>|  |  | Full Review844732_xxxxxx_9_24_2025_xxxxxx_AM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 844732 | xxxxxx | D A | Closed | xxxxxx | 2025-09-03 06:02 | 2025-09-25 09:36 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 2 Citizenship Documentation Not Provided | Resolved-xxxxxx Patriot Act Form Provided - Due Diligence Vendor-09/25/2025 <br> Ready for Review-Document Uploaded. Please see attached - Due Diligence Vendor-09/24/2025 <br> Open-Borrower 2 Citizenship Documentation Is Missing (Number of Borrowers equals 2 Borrower 2 Residency Doc Locator is Missing) Borrower 2 Citizenship Documentation Is Missing - Due Diligence Vendor-09/03/2025 |  | Resolved-xxxxxx Patriot Act Form Provided - Due Diligence Vendor-09/25/2025 |  |  | Full Review844732_xxxxxx_9_24_2025_xxxxxx_AM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 844732 | xxxxxx | D A | Closed | xxxxxx | 2025-09-03 06:02 | 2025-09-25 09:36 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-xxxxxx Patriot Act Form Provided - Due Diligence Vendor-09/25/2025 <br> Ready for Review-Document Uploaded. Please see attached - Due Diligence Vendor-09/24/2025 <br> Open-Borrower 1 Citizenship Documentation Is Missing - Due Diligence Vendor-09/03/2025 |  | Resolved-xxxxxx Patriot Act Form Provided - Due Diligence Vendor-09/25/2025 |  |  | Full Review844732_xxxxxx_9_24_2025_xxxxxx_AM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 844733 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-03 10:32 | 2025-09-30 07:54 | Resolved | 1 - Information C A | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Resolved-Desk review provided - Due Diligence Vendor-09/30/2025 <br> Ready for Review-Document Uploaded. CDA Attached - Due Diligence Vendor-09/29/2025 <br> Open-CDA Ordered - no action required at this time. - Due Diligence Vendor-09/23/2025 <br> Ready for Review-Order CDA - Due Diligence Vendor-09/23/2025 <br> Ready for Review-Please order a CDA - Due Diligence Vendor-09/22/2025 <br> Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 2.7). Provide Desk Review - Due Diligence Vendor-09/03/2025 |  | Resolved-Desk review provided - Due Diligence Vendor-09/30/2025<br>| Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 36.60 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.50 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.32% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.9 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 807 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 59.83% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More |  | Full Review844733_xxxxxx_9_26_2025_xxxxxx_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 844733 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-17 11:08 | 2025-09-25 14:20 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-09/25/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Due Diligence Vendor-09/24/2025 <br> Open-Missing Hazard Insurance Policy - Due Diligence Vendor-09/17/2025 |  | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-09/25/2025<br>| Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 36.60 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.50 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.32% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.9 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 807 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 59.83% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More |  | Full Review844733_xxxxxx_9_24_2025_xxxxxx_AM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 844733 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-03 07:59 | 2025-09-25 14:16 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 2 Citizenship Documentation Not Provided | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-09/25/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Due Diligence Vendor-09/24/2025 <br> Counter-The xxxxxx Patriot Act Form provided is not for the subject Borrowers (xxxxxx). Please provided for xxxxxx - Due Diligence Vendor-09/23/2025 <br> Ready for Review-see attached - Due Diligence Vendor-09/22/2025 <br> Open-Borrower 2 Citizenship Documentation Is Missing (Number of Borrowers equals 2 Borrower 2 Residency Doc Locator is Missing) - Due Diligence Vendor-09/03/2025 |  | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-09/25/2025 | Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 36.60 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.50 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.32% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.9 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 807 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 59.83% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More |  | Full Review844733_xxxxxx_9_24_2025_xxxxxx_AM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 844733 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-03 07:59 | 2025-09-25 14:16 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-09/25/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Due Diligence Vendor-09/24/2025 <br> Counter-The xxxxxx Patriot Act Form provided is not for the subject Borrowers (xxxxxx). Please provided for "xxxxxx" - Due Diligence Vendor-09/23/2025 <br> Ready for Review-Document Uploaded. please see attached patriot act - Due Diligence Vendor-09/22/2025 <br> Open-Borrower 1 Citizenship Documentation Is Missing - Due Diligence Vendor-09/03/2025 |  | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-09/25/2025 | Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 36.60 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.50 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.32% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.9 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 807 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 59.83% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More |  | Full Review844723_xxxxxx_9_22_2025_xxxxxx_PM.zip<br> Full Review844733_xxxxxx_9_24_2025_xxxxxx_AM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 844734 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-16 18:42 | 2025-09-30 07:40 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided - Due Diligence Vendor-09/30/2025 <br> Ready for Review-Document Uploaded. CDA attached. - Due Diligence Vendor-09/29/2025 <br> Open-CDA Ordered - no action required at this time. - Due Diligence Vendor-09/23/2025 <br> Ready for Review-Order CDA - Due Diligence Vendor-09/23/2025 <br> Open-CU greater than 2.5, CDA not provided. - Due Diligence Vendor-09/16/2025 |  | Resolved-Desk review provided - Due Diligence Vendor-09/30/2025<br>|  |  | Full Review844734_xxxxxx_9_26_2025_xxxxxx_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 844734 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-03 08:20 | 2025-09-30 07:40 | Resolved | 1 - Information C A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report is fully present, or Not Applicable - Due Diligence Vendor-09/30/2025 <br> Ready for Review-Document Uploaded. see the attached 1004D - Due Diligence Vendor-09/29/2025 <br> Counter-The attachment is for a PDI showing no disasters. Orignal condition is for something showing the property was complete (I.E., 1004D). - Due Diligence Vendor-09/24/2025 <br> Ready for Review-Document Uploaded. See attached - Due Diligence Vendor-09/24/2025 <br> Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not fully Present - Due Diligence Vendor-09/03/2025 |  | Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report is fully present, or Not Applicable - Due Diligence Vendor-09/30/2025<br>|  |  | Full Review844734_xxxxxx_9_24_2025_xxxxxx_PM.zip<br> Full Review844734_xxxxxx_9_29_2025_xxxxxx_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 844734 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-03 07:52 | 2025-09-25 13:43 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 2 Citizenship Documentation Not Provided | Resolved-xxxxxx Patriot Act Form provided. - Due Diligence Vendor-09/25/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Due Diligence Vendor-09/24/2025 <br> Open-Borrower 2 Citizenship Documentation Is Missing (Number of Borrowers equals 2 Borrower 2 Residency Doc Locator is Missing) - Due Diligence Vendor-09/03/2025 |  | Resolved-xxxxxx Patriot Act Form provided. - Due Diligence Vendor-09/25/2025 |  |  | Full Review844734_xxxxxx_9_24_2025_xxxxxx_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 844734 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-03 07:52 | 2025-09-25 13:43 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-xxxxxx Patriot Act Form provided. - Due Diligence Vendor-09/25/2025 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-09/24/2025 <br> Ready for Review-Please see attached. - Due Diligence Vendor-09/24/2025 <br> Open-Borrower 1 Citizenship Documentation Is Missing - Due Diligence Vendor-09/03/2025 |  | Resolved-xxxxxx Patriot Act Form provided. - Due Diligence Vendor-09/25/2025 |  |  | Full Review844734_xxxxxx_9_24_2025_xxxxxx_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 844736 | xxxxxx | D B A C | Closed | xxxxxx | 2025-08-25 16:19 | 2025-09-30 07:13 | Resolved | 1 - Information C A | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Resolved-Desk review provided - Due Diligence Vendor-09/30/2025 <br> Ready for Review-Document Uploaded. CDA attached. - Due Diligence Vendor-09/29/2025 <br> Open-CDA ordered - no action required at this time. - Due Diligence Vendor-09/23/2025 <br> Ready for Review-Order CDA - Due Diligence Vendor-09/23/2025 <br> Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 2.8) - Due Diligence Vendor-09/18/2025 <br> Resolved-CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Provided Or CU Score Is Less Than Or Equal To 2.5 And A Third Party Valuation Product Was Not Required (CU Score Is) - Due Diligence Vendor-09/18/2025 <br> Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 2.8) - Due Diligence Vendor-08/25/2025 |  | Resolved-Desk review provided - Due Diligence Vendor-09/30/2025 <br>Resolved-CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Provided Or CU Score Is Less Than Or Equal To 2.5 And A Third Party Valuation Product Was Not Required (CU Score Is) - Due Diligence Vendor-09/18/2025<br>|  |  | Full Review844736_xxxxxx_9_26_2025_xxxxxx_PM.zip | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844736 | xxxxxx | D B A C | Closed | xxxxxx | 2025-08-25 16:17 | 2025-09-30 07:13 | Resolved | 1 - Information D A | Credit | Missing Doc - Property | Purchase Contract is Missing | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-09/17/2025 <br> Ready for Review-Document Uploaded. PLease see attached - Due Diligence Vendor-09/17/2025 <br> Open-Purchase Contract Is Missing - Due Diligence Vendor-08/25/2025 |  | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-09/17/2025<br>|  |  | Full Review844736_xxxxxx_9_16_2025_xxxxxx_PM.zip | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844736 | xxxxxx | D B A C | Closed | xxxxxx | 2025-08-25 16:17 | 2025-09-24 15:01 | Waived | 2 - Non-Material C B | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Waived-Client Exception granted with Compensating Factors. Client provided guideline exception allowing for hazard insurance effective date. - Due Diligence Vendor-09/24/2025 <br> Ready for Review-The request for an exception to client eligibility criteria is granted. Compensating Factor 1 - Credit Score 30+ points > minimum required / Compensating Factor 2 - Residual income more than 1.5x the amount required by guidelines / Compensating Factor 3 - DTI <= 40% which is below requirement in guidelines - Due Diligence Vendor-09/24/2025 <br> Counter-In this case it appears that the house was completed at time of closing. Appraisal shows "As-is" as of xxxxxx. Insurance binder was done on xxxxxx. Please provide evidence of coverage from note date. - Due Diligence Vendor-09/18/2025 <br> Ready for Review-This loan is a xxxxxx loan and HOI wasnt required to close on the construction. Once the house was complete then the HOI was required which is why the effective date is after the original loan date. During construction, the xxxxxx carried builders risk insurance - Due Diligence Vendor-09/17/2025 <br> Open-Hazard Insurance Effective Date of xxxxxx is after the Disbursement Date of xxxxxx. - Due Diligence Vendor-08/25/2025 |  | Waived-Client Exception granted with Compensating Factors. Client provided guideline exception allowing for hazard insurance effective date. - Due Diligence Vendor-09/24/2025<br>| Credit Score 30+ points > minimum required <br> Low qualifying DTI | Compensating Factor 1 - Credit Score 30+ points > minimum required / <br> Compensating Factor 2 - Residual income more than 1.5x the amount required by guidelines / <br> Compensating Factor 3 - DTI <= 40% which is below requirement in guidelines |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 844736 | xxxxxx | D B A C | Closed | xxxxxx | 2025-08-25 16:18 | 2025-09-17 11:48 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-09/17/2025 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-09/17/2025 <br> Ready for Review-Document Uploaded. Borrower is self employed-attached are the VVOE documents - Due Diligence Vendor-09/17/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-08/25/2025 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-09/17/2025<br>|  |  | Full Review844736_xxxxxx_9_16_2025_xxxxxx_PM.zip<br> Full Review844736_xxxxxx_9_16_2025_xxxxxx_PM.zip | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844736 | xxxxxx | D B A C | Closed | xxxxxx | 2025-09-03 17:05 | 2025-09-17 11:47 | Resolved | 1 - Information C A | Credit | Income | Income documentation does not meet guidelines | Resolved-File Contains 2 yrs Personal tax returns, with Trans scripts. DU required: for Self-Employed- the income may be supported by personal tax returns covering the most recent two-year period (including all tax schedules) Borrower is a xxxxxx, File also contains 1099 (2 yrs) Lender Provided Borrower's xxxxxx License. - Due Diligence Vendor-09/17/2025 <br> Ready for Review-Document Uploaded. See attached - Due Diligence Vendor-09/17/2025 <br> Open-1040's in file reflect Wage income. Schedule C income was not provided. Business License, SOS not provided. Per AUS "If the self-employed income from any of the businesses listed below is being used for qualifying purposes, the income may be supported by business tax returns covering the most recent period as specified in the table below (including all tax schedules). The tax returns must reflect at least 12 months of self-employment income, the borrower must have had 25% or greater ownership in the business for at least five years for the use of one-year of returns, and the Cash Flow Analysis (Form 1084) or equivalent must have been completed. The requirement for business tax returns for each specific business listed below can be waived if personal returns covering the most recent two-year period are obtained, and (1) the borrower has been self-employed in the same business for at least five years, (2) the borrower's individual tax returns show an increase in self-employment income over the last two years, and (3) the borrower is paying the down payment and closing costs with his or her own funds, and is not using any funds from the business account to fund the transaction or satisfy applicable reserve requirements. Refer to the Selling Guide for additional information." - Due Diligence Vendor-09/03/2025 |  | Resolved-File Contains 2 yrs Personal tax returns, with Trans scripts. DU required: for Self-Employed- the income may be supported by personal tax returns covering the most recent two-year period (including all tax schedules) Borrower is a xxxxxx, File also contains 1099 (2 yrs) Lender Provided Borrower's xxxxxx License. - Due Diligence Vendor-09/17/2025<br>|  |  | Full Review844736_xxxxxx_9_16_2025_xxxxxx_PM.zip | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844736 | xxxxxx | D B A C | Closed | xxxxxx | 2025-08-25 15:23 | 2025-09-17 11:31 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved- - Due Diligence Vendor-09/17/2025 <br> Ready for Review-Document Uploaded. PLease see attached - Due Diligence Vendor-09/17/2025 <br> Open-Borrower 1 Citizenship Documentation Is Missing - Due Diligence Vendor-08/25/2025 |  |  |  |  | Full Review844736_xxxxxx_9_16_2025_xxxxxx_PM.zip | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844738 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-16 12:11 | 2025-10-01 14:22 | Resolved | 1 - Information C A | Credit | Assets | Asset 9 Does Not Meet Guideline Requirements | Resolved-Asset 9 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-10/01/2025 <br> Ready for Review-Document Uploaded. Please see attached - Due Diligence Vendor-10/01/2025 <br> Counter-CSV excel sheet provided however condition is stating Missing current xxxxxx Checking xxxxxx bank statement. - Due Diligence Vendor-09/26/2025 <br> Ready for Review-Document Uploaded. see attached<br> - Due Diligence Vendor-09/25/2025 <br> Open-Asset 9 Does Not Meet Guideline Requirements Missing current xxxxxx Checking xxxxxx bank statement. - Due Diligence Vendor-09/16/2025 |  | Resolved-Asset 9 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-10/01/2025<br>|  |  | Full Review_Comments_844738_xxxxxx_9_25_2025_xxxxxx_PM.csv<br> Full Review844738_xxxxxx_9_30_2025_xxxxxx_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 844738 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-03 00:30 | 2025-09-25 13:32 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 2 Citizenship Documentation Not Provided | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-09/25/2025 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-09/24/2025 <br> Open-Borrower 2 Citizenship Documentation Is Missing (Number of Borrowers equals 2 Borrower 2 Residency Doc Locator is Missing) Borrower 2 Citizenship Documentation Is Missing - Due Diligence Vendor-09/03/2025 |  | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-09/25/2025 |  |  | Full Review844738_xxxxxx_9_24_2025_xxxxxx_PM.zip<br> Full Review844738_xxxxxx_9_24_2025_xxxxxx_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 844738 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-03 00:30 | 2025-09-25 13:32 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-09/25/2025 <br> Ready for Review-Document Uploaded. Please see attached - Due Diligence Vendor-09/24/2025 <br> Open-Borrower 1 Citizenship Documentation Is Missing - Due Diligence Vendor-09/03/2025 |  | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-09/25/2025 |  |  | Full Review844738_xxxxxx_9_24_2025_xxxxxx_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 844738 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-16 12:12 | 2025-09-22 19:51 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds AUS DTI | Waived-Client Exception granted with Compensating Factors. Client provided guideline exception for AUS re-run Due to DTI exceeding 43%. - Due Diligence Vendor-09/22/2025<br> Ready for Review-The request for an exception to client eligibility criteria is granted. - Due Diligence Vendor-09/22/2025 <br> Open-Audited DTI of 44.63% exceeds AUS DTI of 42.51% DTI variance due to lender asset depletion calculations. - Due Diligence Vendor-09/16/2025 |  | Waived-Client Exception granted with Compensating Factors. Client provided guideline exception for AUS re-run Due to DTI exceeding 43%. - Due Diligence Vendor-09/22/2025 | Residual income more than 1.5x the amount required by guidelines <br> Reserves exceed requirement by 2 months or more | Compensating Factor 1 - Residual income more than 1.5x the amount required by guidelines / <br> Compensating Factor 2 - Reserves exceed requirement by 2 months or more / Compensating Factor 3 - Credit Score 10 points > minimum required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 844738 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-16 10:51 | 2025-09-22 08:46 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Document Uploaded. - Due Diligence Vendor-09/22/2025 <br> Open-CDA Ordered - Due Diligence Vendor-09/17/2025 <br> Ready for Review-Please order a CDA - Due Diligence Vendor-09/17/2025 <br> Open-CU/LCA greater than 2.5, CDA not provided. - Due Diligence Vendor-09/16/2025 |  | Resolved-Document Uploaded. - Due Diligence Vendor-09/22/2025<br>|  |  | 844738 CDA.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 844739 | xxxxxx | D A | Closed | xxxxxx | 2025-08-25 13:37 | 2025-09-30 11:21 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-09/30/2025 <br> Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-09/29/2025 <br> Open-Missing Hazard Insurance Policy - Due Diligence Vendor-08/25/2025 |  | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-09/30/2025<br>|  |  | Full Review844739_xxxxxx_9_16_2025_xxxxxx_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 844739 | xxxxxx | D A | Closed | xxxxxx | 2025-08-25 13:39 | 2025-09-24 08:31 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-09/24/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Due Diligence Vendor-09/22/2025 <br> Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-08/25/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-09/24/2025<br>|  |  | Full Review844739_xxxxxx_9_22_2025_xxxxxx_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 844739 | xxxxxx | D A | Closed | xxxxxx | 2025-08-25 11:09 | 2025-09-24 08:30 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 2 Citizenship Documentation Not Provided | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-09/24/2025 <br> Ready for Review-Document Uploaded. Please see attached - Due Diligence Vendor-09/22/2025 <br> Counter-The Condition is asking for xxxxxx Patriot Act Form or a valid Drivers License. - Due Diligence Vendor-09/17/2025 <br> Ready for Review-please see attached - Due Diligence Vendor-09/16/2025 <br> Open-Borrower 2 Citizenship Documentation Is Missing (Number of Borrowers equals 2 Borrower 2 Residency Doc Locator is Missing) - Due Diligence Vendor-08/25/2025 |  | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-09/24/2025 |  |  | Full Review844739_xxxxxx_9_22_2025_xxxxxx_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 844739 | xxxxxx | D A | Closed | xxxxxx | 2025-08-25 11:09 | 2025-09-24 08:30 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-09/24/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Due Diligence Vendor-09/22/2025 <br> Counter-The Condition is asking for xxxxxx Patriot Act Form or a valid Drivers License. the document provided is a HOI Policy. - Due Diligence Vendor-09/17/2025 <br> Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-09/16/2025 <br> Open-Borrower 1 Citizenship Documentation Is Missing - Due Diligence Vendor-08/25/2025 |  | Resolved-xxxxxx Patriot Act Form provided - Due Diligence Vendor-09/24/2025 |  |  | Full Review844739_xxxxxx_9_16_2025_xxxxxx_PM.zip<br> Full Review844739_xxxxxx_9_22_2025_xxxxxx_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 844741 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-08 14:59 | 2025-09-18 13:02 | Resolved | 1 - Information C A | Compliance | Closing Package | Other Compliance | Resolved-Documentation provided is sufficient. xxxxxx. - Due Diligence Vendor-09/18/2025 <br> Ready for Review-Document Uploaded. Borrower is a xxxxxx per application and we do not require proof of documentation. - Due Diligence Vendor-09/17/2025 <br> Open-Lender to provide Compliance testing results for final calculation determination - Due Diligence Vendor-09/08/2025 |  | Resolved-Documentation provided is sufficient. xxxxxx. - Due Diligence Vendor-09/18/2025<br>|  |  | Full Review844741_xxxxxx_9_15_2025_xxxxxx_AM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 844741 | xxxxxx | D A C | Closed | xxxxxx | 2025-08-25 07:55 | 2025-09-17 09:25 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 2 Citizenship Documentation Not Provided | Resolved- - Due Diligence Vendor-09/17/2025 <br> Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-09/16/2025 <br> Open-Borrower 2 Citizenship Documentation Is Missing (Number of Borrowers equals 2 Borrower 2 Residency Doc Locator is Missing) - Due Diligence Vendor-08/25/2025 |  |  |  |  | Full Review844741_xxxxxx_9_16_2025_xxxxxx_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 844741 | xxxxxx | D A C | Closed | xxxxxx | 2025-08-25 07:55 | 2025-09-17 09:25 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved- - Due Diligence Vendor-09/17/2025 <br> Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-09/16/2025 <br> Open-Borrower 1 Citizenship Documentation Is Missing - Due Diligence Vendor-08/25/2025 |  |  |  |  | Full Review844741_xxxxxx_9_16_2025_xxxxxx_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 844750 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-08 14:29 | 2025-10-01 10:36 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-ICD_ received, data entered, no additional compliance findings. - Due Diligence Vendor-10/01/2025 <br> Ready for Review-Document Uploaded. please see attached docs to clear exception - Due Diligence Vendor-10/01/2025 <br> Counter-NRTC received. However, documentation provided does not included the initial Closing disclosure with proof of delivery not less than 3 days prior to consummations - Due Diligence Vendor-09/30/2025 <br> Ready for Review-Document Uploaded. please see CD and notice of right to cancel attached - Due Diligence Vendor-09/29/2025 <br> Counter-Documentation provided is the Executed Final Closing Disclosure rcvd by borrower on consummation date of xxxxxx. Initial Closing disclosure with proof of delivery not less than 3 days prior to consummations, has not been provided. Please provide the ICD and proof of delivery not less than 3 days prior to consummation. xxxxxx - Due Diligence Vendor-09/25/2025 <br> Ready for Review-Document Uploaded. Cd has been attached, these should have been in the inital packet - Due Diligence Vendor-09/24/2025 <br> Open-\*\*\*\*\*\*Documentation provided does not contain the Initial Closing Disclosure is missing. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-09/08/2025 |  | Resolved-ICD_ received, data entered, no additional compliance findings. - Due Diligence Vendor-10/01/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.05 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.47% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 779 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | Full Review844750_xxxxxx_9_24_2025_xxxxxx_PM.zip<br> Full Review844750_xxxxxx_9_29_2025_xxxxxx_PM.zip<br> Full Review844750_xxxxxx_9_30_2025_xxxxxx_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 844750 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-25 00:19 | 2025-09-30 07:40 | Resolved | 1 - Information D A | Compliance | Missing Doc - ROR | Right of Rescission is Missing | Resolved-Executed NRTC received. - Due Diligence Vendor-09/30/2025 <br> Ready for Review-Document Uploaded. please see CD and notice of right to cancel attached - Due Diligence Vendor-09/29/2025 <br> Open-Right of Rescission is Missing Final Closing Disclosure received, data entered, resulting in additional compliance findings. Executed Notice of Right to Cancel(s) , have not been provided - Due Diligence Vendor-09/25/2025 |  | Resolved-Executed NRTC received. - Due Diligence Vendor-09/30/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.05 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.47% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 779 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | Full Review844750_xxxxxx_9_29_2025_xxxxxx_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 844750 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-11 12:21 | 2025-09-25 00:28 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | Closing/Settlement Disclosure Unexecuted | Resolved-Executed FCD has been provided - Due Diligence Vendor-09/25/2025 <br> Ready for Review-Document Uploaded. Cd has been attached, these should have been in the inital packet - Due Diligence Vendor-09/24/2025 <br> Open-Copies of the Final CD in the file on pages 79 and 85 are unexecuted. - Due Diligence Vendor-09/11/2025 |  | Resolved-Executed FCD has been provided - Due Diligence Vendor-09/25/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.05 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.47% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 779 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | Full Review844750_xxxxxx_9_24_2025_xxxxxx_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 844750 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-11 12:00 | 2025-09-22 08:31 | Resolved | 1 - Information C A | Property | Third Party Valuation | CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided | Resolved-Acceptable CDA provided. - Due Diligence Vendor-09/22/2025 <br> Open-CDA Ordered. - Due Diligence Vendor-09/17/2025 <br> Ready for Review-Please order a CDA - Due Diligence Vendor-09/17/2025 <br> Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 3.5). - Due Diligence Vendor-09/15/2025 |  | Resolved-Acceptable CDA provided. - Due Diligence Vendor-09/22/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.05 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.47% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 779 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | 844750 CDA.pdf | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 844751 | xxxxxx | D A | Closed | xxxxxx | 2025-08-25 08:47 | 2025-09-17 11:30 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 3 3rd Party VOE Prior to Close Missing | Resolved-Borrower 3 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 3) - Due Diligence Vendor-09/17/2025 <br> Ready for Review-Document Uploaded. Borrower 3 (xxxxxx) was self-employed. She owned two businesses. Verification of businesses are required to be within 30-days of the Note date. Our verifications were completed on xxxxxx and the loan closed on xxxxxx. Provide them with the attached. <br> Business 1: xxxxxx<br> Business 2: xxxxxx<br> please see attached - Due Diligence Vendor-09/17/2025 <br> Open-Borrower 3 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-08/25/2025 |  | Resolved-Borrower 3 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 3) - Due Diligence Vendor-09/17/2025<br>|  |  | Full Review844751_xxxxxx_9_15_2025_xxxxxx_AM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844753 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-02 09:52 | 2025-10-03 13:16 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-10/03/2025 <br> Resolved- - Due Diligence Vendor-10/03/2025 <br> Open- - Due Diligence Vendor-10/03/2025 <br> Ready for Review-Document Uploaded. please see attached LE dated xxxxxx - Due Diligence Vendor-10/03/2025 <br> Counter-\*\* Valid COC event dated xxxxxx and proof of delivery of RLE dated xxxxxx, However, the actual Revised Loan Estimate issued xxxxxx, has not been provided. - Due Diligence Vendor-10/01/2025 <br> Ready for Review-Document Uploaded. please see attached documents - Due Diligence Vendor-10/01/2025 <br> Open- - Due Diligence Vendor-09/02/2025 <br> Open- - Due Diligence Vendor-09/02/2025 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. \*\*\*A revised Loan Estimate / Closing Disclosure must be provided within 3 business days of receiving information sufficient to establish a changed circumstance. Documentation provided indicates the Appraisal charge amount was known on xxxxxx but not disclosed to the borrower until xxxxxx. 0% tolerance cure in the amount of $195.00 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing.\*\*\*\*\*\*\*Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. - Due Diligence Vendor-09/02/2025 <br> Open- - Due Diligence Vendor-09/02/2025 |  | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-10/03/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 759 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.33 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.47 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.12% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.7 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.23 |  | Full Review844753_xxxxxx_10_1_2025_xxxxxx_PM.zip<br> Full Review844753_xxxxxx_10_3_2025_xxxxxx_PM.zip<br> Full Review844753_xxxxxx_10_3_2025_xxxxxx_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844753 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-02 09:52 | 2025-10-03 13:16 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-10/03/2025 <br> Resolved- - Due Diligence Vendor-10/03/2025 <br> Open- - Due Diligence Vendor-10/03/2025 <br> Ready for Review-Document Uploaded. please see attached LE dated xxxxxx - Due Diligence Vendor-10/03/2025 <br> Counter-\*\* Valid COC event dated xxxxxx and proof of delivery of RLE dated xxxxxx, However, the actual Revised Loan Estimate issued xxxxxx, has not been provided. - Due Diligence Vendor-10/01/2025 <br> Ready for Review-Document Uploaded. please see attached documents - Due Diligence Vendor-10/01/2025 <br> Open- - Due Diligence Vendor-09/02/2025 <br> Open- - Due Diligence Vendor-09/02/2025 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. \*\*\*A revised Loan Estimate / Closing Disclosure must be provided within 3 business days of receiving information sufficient to establish a changed circumstance. Documentation provided indicates the Appraisal charge amount was known on xxxxxx but not disclosed to the borrower until xxxxxx. 0% tolerance cure in the amount of $195.00 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing.\*\*\*\*\*\*\*Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. - Due Diligence Vendor-09/02/2025 <br> Open- - Due Diligence Vendor-09/02/2025 |  | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-10/03/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 759 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.33 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.47 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.12% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.7 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.23 |  | Full Review844753_xxxxxx_10_1_2025_xxxxxx_PM.zip<br> Full Review844753_xxxxxx_10_3_2025_xxxxxx_PM.zip<br> Full Review844753_xxxxxx_10_3_2025_xxxxxx_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844753 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-02 09:52 | 2025-10-03 13:16 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-10/03/2025 <br> Resolved- - Due Diligence Vendor-10/03/2025 <br> Ready for Review-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 $.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-10/03/2025 <br> Open- - Due Diligence Vendor-10/03/2025 <br> Ready for Review-Document Uploaded. please see attached LE dated xxxxxx - Due Diligence Vendor-10/03/2025 <br> Counter-\*\* Valid COC event dated xxxxxx and proof of delivery of RLE dated xxxxxx, However, the actual Revised Loan Estimate issued xxxxxx, has not been provided. - Due Diligence Vendor-10/01/2025 <br> Ready for Review-Document Uploaded. please see attached documents - Due Diligence Vendor-10/01/2025 <br> Open- - Due Diligence Vendor-09/02/2025 <br> Open- - Due Diligence Vendor-09/02/2025 <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 $195.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). \*\*\*A revised Loan Estimate / Closing Disclosure must be provided within 3 business days of receiving information sufficient to establish a changed circumstance. Documentation provided indicates the Appraisal charge amount was known on xxxxxx but not disclosed to the borrower until xxxxxx. 0% tolerance cure in the amount of $195.00 is required. Please provide PCCD, LOE, copy of refund check and proof of mailing.\*\*\*\*\*\*\*Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. - Due Diligence Vendor-09/02/2025 <br> Open- - Due Diligence Vendor-09/02/2025 |  | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-10/03/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 759 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.33 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.47 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.12% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.7 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.23 |  | Full Review844753_xxxxxx_10_1_2025_xxxxxx_PM.zip<br> Full Review844753_xxxxxx_10_3_2025_xxxxxx_PM.zip<br> Full Review844753_xxxxxx_10_3_2025_xxxxxx_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844753 | xxxxxx | D A C | Closed | xxxxxx | 2025-08-25 06:33 | 2025-09-18 12:01 | Resolved | 1 - Information D A | Credit | Missing Doc | VOM or VOR missing/required | Resolved-Lender provided explanation about DU findings. - Due Diligence Vendor-09/18/2025 <br> Ready for Review-Document Uploaded. Please see attached - Due Diligence Vendor-09/17/2025 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Verification of Rent/Verification of Mortgage Document is Missing Is missing for the current rental property address "xxxxxx" to verify the rent amount of $4500 - Due Diligence Vendor-08/25/2025 |  | Resolved-Lender provided explanation about DU findings. - Due Diligence Vendor-09/18/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 759 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.33 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.47 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.12% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.7 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.23 |  | Full Review844753_xxxxxx_9_16_2025_xxxxxx_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844753 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-03 11:48 | 2025-09-18 11:56 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-09/18/2025 <br>Resolved-Lender provided - Due Diligence Vendor-09/18/2025 <br>Ready for Review-Document Uploaded. Please see attached - Due Diligence Vendor-09/17/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing S/E verification. - Due Diligence Vendor-09/03/2025 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-09/18/2025 <br>Resolved-Lender provided - Due Diligence Vendor-09/18/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 759 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.33 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.47 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.12% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.7 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.23 |  | Full Review844753_xxxxxx_9_16_2025_xxxxxx_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844756 | xxxxxx | C A | Closed | xxxxxx | 2025-09-08 15:17 | 2025-10-07 13:47 | Acknowledged | 3 - Material C | Compliance | TRID | TRID: CHARM Booklet is Missing | Acknowledged-Verus agrees to accept as EV3, SOL 1 yr, Expires xxxxxx. Please add notes to the securitization tape. - Due Diligence Vendor-10/07/2025 <br> Open-CHARM Booklet is Missing - Due Diligence Vendor-10/07/2025 |  | Acknowledged-Verus agrees to accept as EV3, SOL 1 yr, Expires xxxxxx. Please add notes to the securitization tape. - Due Diligence Vendor-10/07/2025 |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 844756 | xxxxxx | C A | Closed | xxxxxx | 2025-09-08 15:17 | 2025-10-07 13:46 | Acknowledged | 3 - Material C | Compliance | TRID | TRID: ARM Disclosure is Missing | Acknowledged-Verus agrees to accept as EV3, SOL 1 yr, Expires xxxxxx. Please add notes to the securitization tape. - Due Diligence Vendor-10/07/2025 <br> Open-ARM Disclosure is Missing - Due Diligence Vendor-10/07/2025 |  | Acknowledged-Verus agrees to accept as EV3, SOL 1 yr, Expires xxxxxx Please add notes to the securitization tape. - Due Diligence Vendor-10/07/2025 |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 844757 | xxxxxx | D A | Closed | xxxxxx | 2025-09-03 08:04 | 2025-09-18 12:05 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-ID provided - Due Diligence Vendor-09/18/2025 <br> Ready for Review-Document Uploaded. please see attached patriot disclosure - Due Diligence Vendor-09/17/2025 <br> Open-Borrower 1 Citizenship Documentation Is Missing - Due Diligence Vendor-09/03/2025 |  | Resolved-ID provided - Due Diligence Vendor-09/18/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 24.19% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 799 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 334.01 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.65% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More |  | Full Review844757_xxxxxx_9_16_2025_xxxxxx_PM.zip | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 844757 | xxxxxx | D A | Closed | xxxxxx | 2025-09-03 08:04 | 2025-09-18 12:05 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 2 Citizenship Documentation Not Provided | Resolved-ID provided - Due Diligence Vendor-09/18/2025 <br>Ready for Review-Document Uploaded. Please see attached - Due Diligence Vendor-09/17/2025 <br>Open-Borrower 2 Citizenship Documentation Is Missing (Number of Borrowers equals 2 Borrower 2 Residency Doc Locator is Missing) - Due Diligence Vendor-09/03/2025 |  | Resolved-ID provided - Due Diligence Vendor-09/18/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 24.19% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 799 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 334.01 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.65% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More |  | Full Review844757_xxxxxx_9_16_2025_xxxxxx_PM.zip | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 844757 | xxxxxx | D A | Closed | xxxxxx | 2025-09-03 09:05 | 2025-09-18 12:02 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Lender provided explanation - Due Diligence Vendor-09/18/2025 <br> Ready for Review-This loan is a xxxxxx loan and HOI wasnt required to close on the construction. Once the house was complete then the HOI was required which is why the effective date is after the original loan date. During construction, the xxxxxx carried builders risk insurance - Due Diligence Vendor-09/17/2025 <br> Open-Hazard Insurance Effective Date of xxxxxx is after the Disbursement Date of xxxxxx. Provide binder effective as of xxxxxx. - Due Diligence Vendor-09/03/2025 |  | Resolved-Lender provided explanation - Due Diligence Vendor-09/18/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 24.19% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 799 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 334.01 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.65% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 844758 | xxxxxx | D B A | Closed | xxxxxx | 2025-08-25 08:32 | 2025-09-24 14:32 | Waived | 2 - Non-Material D B | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Waived-Client Exception granted with Compensating Factors. Client provided guideline exception for VOE - Due Diligence Vendor-09/24/2025 <br> Ready for Review-The request for an exception to client eligibility criteria is granted - Due Diligence Vendor-09/24/2025 <br> Counter-For a lender exception to be granted, TPR needs exception form from client approving exception with comp factors. - Due Diligence Vendor-09/18/2025 <br> Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-09/17/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-08/25/2025 |  | Waived-Client Exception granted with Compensating Factors. Client provided guideline exception for VOE - Due Diligence Vendor-09/24/2025  | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 804 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 68.57% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 42.29 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16.83 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.02 Years | Compensating Factor 1 - DTI <= 40% which is below requirement in guidelines / <br> Compensating Factor 2 - Credit Score 30+ points > minimum required / Compensating Factor 3 - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines | Full Review844758_xxxxxx_9_16_2025_xxxxxx_PM.zip | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 844758 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-09 08:22 | 2025-09-18 11:52 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Lender provided info about loan being CP loan and eventual construction completion. - Due Diligence Vendor-09/18/2025 <br> Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-09/17/2025 <br> Open-Hazard Insurance Effective Date of xxxxxx is after the Disbursement Date of xxxxxx - Due Diligence Vendor-09/09/2025 |  | Resolved-Lender provided info about loan being CP loan and eventual construction completion. - Due Diligence Vendor-09/18/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 804 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 68.57% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 42.29 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16.83 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.02 Years |  | Full Review844758_xxxxxx_9_16_2025_xxxxxx_PM.zip | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 844758 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-09 08:22 | 2025-09-18 11:52 | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-09/18/2025 <br> Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-09/17/2025 <br> Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxxxxx is less than the minimum required coverage amount of $xxxxxx - Due Diligence Vendor-09/09/2025 |  | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-09/18/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 804 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 68.57% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 42.29 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16.83 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.02 Years |  | Full Review844758_xxxxxx_9_16_2025_xxxxxx_PM.zip | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 844758 | xxxxxx | D B A | Closed | xxxxxx | 2025-08-25 01:18 | 2025-09-18 06:25 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-09/18/2025 <br>Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-09/17/2025 <br>Open-Borrower 1 Citizenship Documentation Is Missing Borrower 1 Citizenship Documentation Is Mis sing - Due Diligence Vendor-08/25/2025 |  | Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-09/18/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 804 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 68.57% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 42.29 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16.83 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.02 Years |  | Full Review844758_xxxxxx_9_16_2025_xxxxxx_PM.zip | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 844758 | xxxxxx | D B A | Closed | xxxxxx | 2025-08-25 01:18 | 2025-09-18 06:25 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 2 Citizenship Documentation Not Provided | Resolved-Borrower 2 Citizenship Documentation Provided or Not Required (Number of Borrowers equals 2 Borrower 2 Residency Doc Locator is Present) - Due Diligence Vendor-09/18/2025 <br>Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-09/17/2025 <br>Open-Borrower 2 Citizenship Documentation Is Missing (Number of Borrowers equals 2 Borrower 2 Residency Doc Locator is Missing) - Due Diligence Vendor-08/25/2025 |  | Resolved-Borrower 2 Citizenship Documentation Provided or Not Required (Number of Borrowers equals 2 Borrower 2 Residency Doc Locator is Present) - Due Diligence Vendor-09/18/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 804 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 68.57% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 42.29 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16.83 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.02 Years |  | Full Review844758_xxxxxx_9_16_2025_xxxxxx_PM.zip | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Construction-Perm | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 844759 | xxxxxx | D A | Closed | xxxxxx | 2025-09-08 10:45 | 2025-09-17 13:41 | Resolved | 1 - Information D A | Compliance | Missing Doc - Rate Lock | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-09/17/2025 <br> Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-09/16/2025 <br> Open-Evidence of Rate Lock Missing - Due Diligence Vendor-09/08/2025 |  | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-09/17/2025<br>|  |  | Full Review844759_xxxxxx_9_16_2025_xxxxxx_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844759 | xxxxxx | D A | Closed | xxxxxx | 2025-09-08 10:47 | 2025-09-17 11:20 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Loan Estimate | Resolved-ILE received, data entered, no additional compliance findings. - Due Diligence Vendor-09/17/2025 <br> Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-09/16/2025 <br> Open-\*Documentation provided does not contain LEs. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-09/08/2025 |  | Resolved-ILE received, data entered, no additional compliance findings. - Due Diligence Vendor-09/17/2025<br>|  |  | Full Review844759_xxxxxx_9_16_2025_xxxxxx_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844759 | xxxxxx | D A | Closed | xxxxxx | 2025-09-08 10:45 | 2025-09-17 11:19 | Resolved | 1 - Information C A | Compliance | Points & Fees | TILA Finance Charge Test | Resolved-ILE received, data entered, no additional compliance findings. - Due Diligence Vendor-09/17/2025 <br> Resolved- - Due Diligence Vendor-09/17/2025 <br> Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-09/16/2025 <br> Open-This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2))The finance charge is $1,521,415.26. The disclosed finance charge of $1,521,292.19 is not considered accurate because it is understated by more than $100. \*Documentation provided does not contain LEs. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-09/10/2025 <br> Open- - Due Diligence Vendor-09/10/2025 <br> Open- - Due Diligence Vendor-09/08/2025 |  | Resolved-ILE received, data entered, no additional compliance findings. - Due Diligence Vendor-09/17/2025<br>|  |  | Full Review844759_xxxxxx_9_16_2025_xxxxxx_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844759 | xxxxxx | D A | Closed | xxxxxx | 2025-08-22 15:07 | 2025-09-17 07:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-09/17/2025 <br> Ready for Review-Document Uploaded. please see attached - Due Diligence Vendor-09/16/2025 <br> Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-08/22/2025 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-09/17/2025<br>|  |  | Full Review844759_xxxxxx_9_16_2025_xxxxxx_PM.zip | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844832 | xxxxxx | B A | Closed | xxxxxx | 2025-09-03 08:34 | 2025-09-03 08:35 | Waived | 2 - Non-Material B | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Waived-Client Exception granted with Compensating Factors. Asset Qualification Does Not Meet Guideline Requirements . Assets used for asset utilization seasoned < 90 days. - Due Diligence Vendor-09/03/2025 |  | Waived-Client Exception granted with Compensating Factors. Asset Qualification Does Not Meet Guideline Requirements . Assets used for asset utilization seasoned < 90 days. - Due Diligence Vendor-09/03/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 705 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.49 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 105.02 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17 | LTV/CLTV 10% or more below the maximum allowed under applicable guidelines. Residual income more than 2.5x the amount required by guidelines. Credit Score 30+ points > minimum required. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 844864 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-05 15:12 | 2025-09-09 23:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Gap credit report provided and no new debt present. - Due Diligence Vendor-09/10/2025 <br> Ready for Review-Document Uploaded. Please see attached GAP Credit Report. - Due Diligence Vendor-09/10/2025 <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-09/05/2025 |  | Resolved-Gap credit report provided and no new debt present. - Due Diligence Vendor-09/10/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 28% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 18.16% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 31.50 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 31.67 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 35.08 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 94.89 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | Full Review_Comments_844864_xxxxxx_9_9_2025_xxxxxx_AM.csv | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 844864 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-05 15:29 | 2025-09-05 15:29 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client Exception granted with Compensating Factors. borrower looking to waive escrows yet has a 701 score vs. 720 required<br> - Due Diligence Vendor-09/05/2025 |  | Waived-Client Exception granted with Compensating Factors. borrower looking to waive escrows yet has a 701 score vs. 720 required<br> - Due Diligence Vendor-09/05/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 28% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 18.16% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 31.50 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 31.67 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 35.08 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 94.89 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months | LTV/CLTV 10% or more below the maximum allowed under applicable guidelines<br> Current primary home ownership > 10 years<br> Reserves exceed requirement by 10 months or more |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 844870 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 844950 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-09 12:52 | 2025-09-09 12:52 | Waived | 2 - Non-Material B | Credit | Eligibility | Property has been listed for sale in the past six months | Waived-Client Exception granted with Compensating Factors. Property listing seasoning requirement of 6 months have not been met. The property listing was terminated on xxxxxx, loan closed xxxxxx. - Due Diligence Vendor-09/09/2025 |  | Waived-Client Exception granted with Compensating Factors. Property listing seasoning requirement of 6 months have not been met. The property listing was terminated on xxxxxx, loan closed xxxxxx. - Due Diligence Vendor-09/09/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower has post closing reserves of 13.88 months.<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower has stable time in profession by more than twelve (12) years. | 1. Post closing reserves of 13.88 months. <br> 2. Borrower owns business for more than 12 years. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 844950 | xxxxxx | D B A | Closed | xxxxxx | 2025-08-07 12:20 | 2025-09-02 09:34 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Client Exception granted with Compensating Factors. Exception required for DTI of 52.15% exceeding max of 50% - Due Diligence Vendor-09/02/2025 <br> Ready for Review-Document Uploaded. - Seller-08/29/2025 <br> Counter-Approved exception provided is missing Comp Factors. - Due Diligence Vendor-08/29/2025 <br> Ready for Review-will accept their audited DTI at 52.15% with an exception, <br>- Seller-08/28/2025 <br> Open-Audited DTI of 52.15% exceeds Guideline DTI of 50% DTI Variance of 8.63% due to lender not including HOA, taxes and insurance for non-subject property. Additionally, the lender used $652 for monthly dues on subject property. However, the appraisal indicates that the monthly HOA fee of $700 per month. No additional verification documentation was provided. - Due Diligence Vendor-08/07/2025 | Ready for Review-Document Uploaded. - Seller-08/29/2025 <br>Ready for Review-will accept their audited DTI at 52.15% with an exception, <br>- Seller-08/28/2025<br>| Waived-Client Exception granted with Compensating Factors. Exception required for DTI of 52.15% exceeding max of 50% - Due Diligence Vendor-09/02/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower has post closing reserves of 13.88 months.<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower has stable time in profession by more than twelve (12) years. | Post-closing reserves of 13.88 months<br> Borrower owns business for more than 12 years | xxxxxx - Exception form.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 844950 | xxxxxx | D B A | Closed | xxxxxx | 2025-08-07 11:48 | 2025-09-02 09:32 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Final 1003 is Incomplete | Resolved-Updated 1003 Provided. - Due Diligence Vendor-09/02/2025 <br> Ready for Review-Document Uploaded. - Seller-08/29/2025 <br> Counter-Condition is for Final 1003 is Incomplete Taxes, Insurance and HOA are not reflected for properties in section 3. Per mortgage statements and HUD, properties were not escrowed. - Due Diligence Vendor-08/29/2025 <br> Ready for Review-Document Uploaded. Updated exception form 1003 to follow - Seller-08/28/2025 <br> Open-The Final 1003 is Incomplete Taxes, Insurance and HOA are not reflected for properties in section 3. Per mortgage statements and HUD, properties were not escrowed. - Due Diligence Vendor-08/07/2025 | Ready for Review-Document Uploaded. - Seller-08/29/2025 <br>Ready for Review-Document Uploaded. Updated exception form 1003 to follow - Seller-08/28/2025<br>| Resolved-Updated 1003 Provided. - Due Diligence Vendor-09/02/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower has post closing reserves of 13.88 months.<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower has stable time in profession by more than twelve (12) years. |  | xxxxxx - Exception form.pdf<br> xxxxxx - 1003.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 844950 | xxxxxx | D B A | Closed | xxxxxx | 2025-08-07 11:42 | 2025-08-29 10:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-HOI Policy provided for xxxxxx - Due Diligence Vendor-08/29/2025 <br> Ready for Review-Document Uploaded. - Seller-08/28/2025 <br> Counter-the condition is for Missing hazard insurance policy for xxxxxx - Due Diligence Vendor-08/27/2025 <br> Ready for Review-The PI of the 1st and 2nd for xxxxxx pushes the DTI to 50.203%.<br>will you accept their audited DTI at 52.15% with an exception, <br>The $652 HOA fees came directly from the management company.<br> The email is in the file.<br> That should be acceptable.<br> - Seller-08/26/2025 <br> Open-Missing hazard insurance policy for xxxxxx. The mortgage statement does not reflect that the borrower has escrowed the property. - Due Diligence Vendor-08/07/2025 | Ready for Review-Document Uploaded. - Seller-08/28/2025 <br> Ready for Review-The PI of the 1st and 2nd for xxxxxx pushes the DTI to 50.203%.<br>will you accept their audited DTI at 52.15% with an exception, <br>The $652 HOA fees came directly from the management company.<br> The email is in the file.<br> That should be acceptable.<br> - Seller-08/26/2025 | Resolved-HOI Policy provided for xxxxxx - Due Diligence Vendor-08/29/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower has post closing reserves of 13.88 months.<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower has stable time in profession by more than twelve (12) years. |  | HOME OWNERï¿½S INSURANCE (SECOND HOME _ INV).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 844950 | xxxxxx | D B A | Closed | xxxxxx | 2025-08-07 07:41 | 2025-08-07 07:41 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client Exception granted with Compensating Factors. Audited LTV of 75% exceeds Guideline LTV of 70% Client waived with compensating factors. Exception to allow an LTV of 75%. Per guidelines, the maximum allowed for a cash-out refinance in xxxxxx is 70%. - Due Diligence Vendor-09/05/2025 |  | Waived-Client Exception granted with Compensating Factors. Audited LTV of 75% exceeds Guideline LTV of 70% Client waived with compensating factors. Exception to allow an LTV of 75%. Per guidelines, the maximum allowed for a cash-out refinance in xxxxxx is 70%. - Due Diligence Vendor-09/05/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower has post closing reserves of 13.88 months.<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower has stable time in profession by more than twelve (12) years. | 1. Post closing reserves of 13.88 months. <br> 2. Borrower owns business for more than 12 years. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 844950 | xxxxxx | D B A | Closed | xxxxxx | 2025-08-07 07:36 | 2025-08-07 07:36 | Waived | 2 - Non-Material B | Credit | Missing Doc | xxxxxx Driver's License or other xxxxxx or foreign government-issued photo ID Incomplete | Waived-Client Exception granted with Compensating Factors. Exception required for non-permanent resident borrower with E2 visa valid until xxxxxx. Per guideline, xxxxxx is not allowed. - Due Diligence Vendor-09/05/2025 |  | Waived-Client Exception granted with Compensating Factors. Exception required for non-permanent resident borrower with E2 visa valid until xxxxxx. Per guideline, xxxxxx is not allowed. - Due Diligence Vendor-09/05/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower has post closing reserves of 13.88 months.<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower has stable time in profession by more than twelve (12) years. | 1. Post closing reserves of 13.88 months. <br> 2. Borrower owns business for more than 12 years. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 844952 | xxxxxx | D B A | Closed | xxxxxx | 2025-08-14 12:11 | 2025-09-09 23:30 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client Exception granted with Compensating Factors. Client waived with compensating factors. Audited LTV of 75% exceeds Guideline LTV of 70% <br> - Due Diligence Vendor-08/28/2025 |  | Waived-Client Exception granted with Compensating Factors. Client waived with compensating factors. Audited LTV of 75% exceeds Guideline LTV of 70% <br> - Due Diligence Vendor-08/28/2025 | Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 29.13 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 19.16 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.36% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 743 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 94.37 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 29.13 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 29.12 Years | 1. Borrower exceeds the minimum credit score requirement by 83 points<br> 2. Both borrowers have been in the same line of business for 29 years.<br> 3. DTI of 31%. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Home Improvement/Reno | Originator Pre-Close | Yes | xxxxxx |
| 844952 | xxxxxx | D B A | Closed | xxxxxx | 2025-08-27 23:11 | 2025-09-09 23:30 | Waived | 2 - Non-Material B | Credit | Eligibility | Credit Event Seasoning is Less than Guideline Minimum | Waived-Client Exception granted with Compensating Factors. Credit documents reviewed indicate a derogatory credit event (bankruptcy, foreclosure, short sale, deed-in-lieu, or modification) that does not meet minimum seasoning requirements per guidelines. Loan modification seasoning requirement of 48 months not met. Promissory note on the subject property matured in xxxxxx. - Due Diligence Vendor-08/28/2025 |  | Waived-Client Exception granted with Compensating Factors. Credit documents reviewed indicate a derogatory credit event (bankruptcy, foreclosure, short sale, deed-in-lieu, or modification) that does not meet minimum seasoning requirements per guidelines. Loan modification seasoning requirement of 48 months not met. Promissory note on the subject property matured in xxxxxx. - Due Diligence Vendor-08/28/2025 | Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 29.13 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 19.16 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.36% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 743 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 94.37 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 29.13 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 29.12 Years | 1. Borrower exceeds the minimum credit score requirement by 83 points<br> 2. Both borrowers have been in the same line of business for 29 years.<br> 3. DTI of 31%. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Home Improvement/Reno | Originator Pre-Close | Yes | xxxxxx |
| 844952 | xxxxxx | D B A | Closed | xxxxxx | 2025-08-14 08:40 | 2025-08-20 14:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-REO Documents provided - Due Diligence Vendor-08/20/2025 <br> Ready for Review-Document Uploaded. <br> The following addresses were included as part of the business cash flow. We did not request HOI, as the mortgage is being paid by the business.<br> Please see verbiage from the CPA. <br>For xxxxxx Via xxxxxx, the property is owned by xxxxxx, in which the borrower holds a 33.33% ownership interest. The following addresses were included as part of the business cash flow. We did not request HOI, as the mortgage is being paid by the business.<br> Please see verbiage from the CPA. <br>- Seller-08/20/2025 <br> Counter-Missing HOI policies for xxxxxx - Due Diligence Vendor-08/19/2025 <br> Ready for Review-Document Uploaded. - Seller-08/18/2025 <br> Open-Missing Hazard insurance policies for xxxxxx DTI to be recalculated once received.<br> - Due Diligence Vendor-08/14/2025 | Ready for Review-Document Uploaded. <br> The following addresses were included as part of the business cash flow. We did not request HOI, as the mortgage is being paid by the business.<br> Please see verbiage from the CPA. <br>For xxxxxx Via xxxxxx, the property is owned by xxxxxx, in which the borrower holds a 33.33% ownership interest. The following addresses were included as part of the business cash flow. We did not request HOI, as the mortgage is being paid by the business.<br> Please see verbiage from the CPA. <br>- Seller-08/20/2025 <br> Ready for Review-Document Uploaded. - Seller-08/18/2025 | Resolved-REO Documents provided - Due Diligence Vendor-08/20/2025<br>| Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 29.13 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 19.16 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.36% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 743 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 94.37 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 29.13 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 29.12 Years |  | HAZARD INSURANCE 2.pdf<br>HAZARD INSURANCE.pdf<br>CPA LETTER (4).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | xxxxxx |
| 844975 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 844998 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 845194 | xxxxxx | D A | Closed | xxxxxx | 2025-09-11 10:37 | 2025-09-15 09:43 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-09/15/2025 <br> Ready for Review-Document Uploaded. - Seller-09/12/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing . Provide Verification of borrower's self-employment with the company of xxxxxx in addition to confirmation with percentage of ownership. - Due Diligence Vendor-09/11/2025 | Ready for Review-Document Uploaded. - Seller-09/12/2025<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-09/15/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.48 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 40 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 48.73 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 16.5 Years |  | SOS - xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 845224 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 845226 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 845291 | xxxxxx | D A | Closed | xxxxxx | 2025-09-11 18:26 | 2025-09-19 11:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-UDN pulled on xxxxxx shows monitoring in place through closing with no new debts. - Due Diligence Vendor-09/19/2025 <br> Ready for Review-Document Uploaded. See attached UDN - Due Diligence Vendor-09/19/2025 <br> Counter-the UDM's provided are "prior" to the Full CBR dated xxxxxx - GL's state GAP report no more than 30- days prior to loan closing or any time after closing per guidelines section 2.5.2. Credit report provided is 32 days prior to closing. - Due Diligence Vendor-09/17/2025 <br> Ready for Review-Document Uploaded. See credit refresh - Due Diligence Vendor-09/17/2025 <br> Open-Borrower 1 Gap Credit Report is Missing . Provide a gap credit report or Undisclosed Debt Monitoring (UDM) report no more than 30- days prior to loan closing or any time after closing per guidelines section 2.5.2. Credit report provided is 32 days prior to closing. - Due Diligence Vendor-09/11/2025 |  | Resolved-UDN pulled on xxxxxx shows monitoring in place through closing with no new debts. - Due Diligence Vendor-09/19/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 750 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.86% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 92.73 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.78 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.25 |  | Full Review845291_xxxxxx_9_16_2025_xxxxxx_PM.zip<br> Full Review845291_xxxxxx_9_18_2025_xxxxxx_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 845291 | xxxxxx | D A | Closed | xxxxxx | 2025-09-12 09:56 | 2025-09-17 11:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Incomplete | Resolved-Business Documents provided. - Due Diligence Vendor-09/17/2025 <br> Ready for Review-Document Uploaded. See attached docs - Due Diligence Vendor-09/17/2025 <br> Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN . Provide IRS Business Entity EIN for subject LLC the loan is closing under, xxxxxx. - Due Diligence Vendor-09/12/2025 |  | Resolved-Business Documents provided. - Due Diligence Vendor-09/17/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 750 is Greater Than The Guideline Minimum Of 640 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.86% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 92.73 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.78 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.25 |  | Full Review845291_xxxxxx_9_16_2025_xxxxxx_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 845425 | xxxxxx | C A | Closed | xxxxxx | 2025-09-11 16:12 | 2025-09-16 08:56 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-09/16/2025 <br> Resolved- - Due Diligence Vendor-09/16/2025 <br> Ready for Review-Document Uploaded. - Seller-09/15/2025 <br> Open-\*\*\*\*\*\*\* Borrower executed documents on xxxxxx. Please Provide Post Consummation Closing Disclosure funding after Rescission period. - Due Diligence Vendor-09/12/2025 <br> Open- - Due Diligence Vendor-09/12/2025 <br> Open- - Due Diligence Vendor-09/11/2025 <br> Open- - Due Diligence Vendor-09/11/2025 <br> Open- - Due Diligence Vendor-09/11/2025 | Ready for Review-Document Uploaded. - Seller-09/15/2025<br>| Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-09/16/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 37.85% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.21 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.32 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 802 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.83 Years |  | xxxxxx PCCD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 845425 | xxxxxx | C A | Closed | xxxxxx | 2025-09-12 07:55 | 2025-09-15 10:38 | Resolved | 1 - Information C A | Credit | Income | Income 2 Months Income Verified is Missing | Resolved-Income 2 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-09/15/2025 <br>Ready for Review-Document Uploaded. OT is documented and in file. - Seller-09/12/2025 <br>Open-Income 2 Months Income Verified is Missing . Provide documentation to support overtime of $4,698.45 per month. At the time of review with paystubs provided, only base wage of $14,405.17 and Bonus income of $2,166.17 was provided and supported. Income worksheet showing how the additional $4,698.45 was determined, was not provided and review is unable to determine. - Due Diligence Vendor-09/12/2025 | Ready for Review-Document Uploaded. OT is documented and in file. - Seller-09/12/2025<br>| Resolved-Income 2 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-09/15/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 37.85% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.21 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.32 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 802 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.83 Years |  | xxxxxx Income Calc w OT.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 845443 | xxxxxx | D A | Closed | xxxxxx | 2025-08-27 10:28 | 2025-09-02 12:51 | Resolved | 1 - Information D A | Credit | Missing Doc | VOM or VOR missing/required | Resolved-Housing history has been verified as correct with appropriate history for primary. - Due Diligence Vendor-09/02/2025 <br> Ready for Review-Document Uploaded. Primary Residence The loan file has proof of the last 12 months of rental payments via xxxxxx Payments (See Attached) From April 2025 to Aug 2025 the Rent amount was $1,141.42 (Current Lease) From Sept 2024 to March 2025 the Rent amount was $1,093.25. (Previous Lease) Leases for both are in the loan file (See attached) with a LOE from the landlord as to why the difference and two leases. (See Attached) Subject Property Mortgage Holder is xxxxxx that reports to credit as xxxxxx .(See attached letter from credit Agency) Also the Mortgage statement shows Both xxxxxx and xxxxxx Loan. xxxxxx is reporting on credit and we also have a Credit Supplement. - Due Diligence Vendor-09/02/2025 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Housing history for the DSCR Doc type is required for the borrower's primary residence and the subject property if a refinance transaction. A 12-month rental history is required for all xxxxxx programs when the borrower is renting their current primary residence. Verification of Rent Document is Missing.<br>- Due Diligence Vendor-08/27/2025 |  | Resolved-Housing history has been verified as correct with appropriate history for primary. - Due Diligence Vendor-09/02/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 37.74% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 729 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 59.35 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months |  | Full Review845443_xxxxxx_8_29_2025_xxxxxx_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 845466 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 845597 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 845720 | xxxxxx | D A | Closed | xxxxxx | 2025-09-04 10:39 | 2025-09-09 23:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-UDX provided. Inquiries present but LOE provided and no new debt opened. - Due Diligence Vendor-09/10/2025 <br> Ready for Review-Document Uploaded. Please see GAP Credit Report and LOX for inquiries attached. - Due Diligence Vendor-09/10/2025 <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-09/04/2025 |  | Resolved-UDX provided. Inquiries present but LOE provided and no new debt opened. - Due Diligence Vendor-09/10/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 21.91 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.1 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 48.67% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.25% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17.03 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.03 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 696 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | Full Review845720_xxxxxx_9_9_2025_xxxxxx_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 845722 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 845724 | xxxxxx | C A | Closed | xxxxxx | 2025-09-09 22:46 | 2025-09-11 14:31 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Property report provided for xxxxxx - No Mortgage liens listed supports Free & Clear. - Due Diligence Vendor-09/11/2025 <br> Ready for Review-Document Uploaded. section 1.5.5 reflects free and clear properties allowed. see attached property profile - Buyer-09/10/2025 <br> Open-Housing History Does Not Meet Guideline Requirements F1003 reflects that primary residence is free and clear however there is not MTG history on CBR, unable to confirm past MTG pay history for borrower. - Due Diligence Vendor-09/10/2025 |  | Resolved-Property report provided for xxxxxx - No Mortgage liens listed supports Free & Clear. - Due Diligence Vendor-09/11/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.16 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 95.94 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.94% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 21.43% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  | xxxxxx - property profile.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 845725 | xxxxxx | D A | Closed | xxxxxx | 2025-09-10 09:49 | 2025-09-17 11:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-09/17/2025 <br> Ready for Review-Document Uploaded. See attached Gap report - Due Diligence Vendor-09/17/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Gap Report is missing. A gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 30 days prior to loan closing or any time after closing (page 117 UDM hadn't started) - Due Diligence Vendor-09/10/2025 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-09/17/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.26% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.58 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | Full Review845725_xxxxxx_9_15_2025_xxxxxx_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845804 | xxxxxx | B A | Closed | xxxxxx | 2025-09-15 08:50 | 2025-09-15 08:50 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client Exception granted with Compensating Factors. Housing History Does Not Meet Guideline Requirements Allow less than 12 months from a modification - Due Diligence Vendor-09/15/2025 |  | Waived-Client Exception granted with Compensating Factors. Housing History Does Not Meet Guideline Requirements Allow less than 12 months from a modification - Due Diligence Vendor-09/15/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.54% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 80.19 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.30 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 720 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More | \*Credit Score 30+ points > minimum required.<br> \*Employed in same profession > 10 years.<br> \*Residual income more than 2.5x the amount required by guidelines. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 845887 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 845899 | xxxxxx | B A | Closed | xxxxxx | 2025-08-08 16:23 | 2025-08-11 10:51 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-08/11/2025 <br> Ready for Review-Document Uploaded. - Seller-08/08/2025 <br> Open-1008/Underwriting Summary Not Provided Provide the final 1008 Underwriting Summary. - Due Diligence Vendor-08/08/2025 | Ready for Review-Document Uploaded. - Seller-08/08/2025<br>| Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-08/11/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 69.6 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 786 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 34.2% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  | 1008 - FINAL (70).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 845901 | xxxxxx | D A | Closed | xxxxxx | 2025-08-15 15:18 | 2025-08-19 13:38 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-08/19/2025 <br> Ready for Review-Document Uploaded. - Seller-08/18/2025 <br> Open-Missing Third Party Fraud Report - Due Diligence Vendor-08/15/2025 | Ready for Review-Document Uploaded. - Seller-08/18/2025<br>| Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-08/19/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 45 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 12.2% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 73.96% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 743 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | data (2).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845910 | xxxxxx | B A | Closed | xxxxxx | 2025-08-05 20:59 | 2025-08-07 13:04 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-08/07/2025 <br> Ready for Review-Document Uploaded. - Seller-08/06/2025 <br> Open-1008/Underwriting Summary Not Provided Missing 1008 needed to confirm underwriters notes concerning DSCR calculation if based on actual rent or 1007 market rent estimate. - Due Diligence Vendor-08/06/2025 | Ready for Review-Document Uploaded. - Seller-08/06/2025<br>| Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-08/07/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.14 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 701 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | 1008 - FINAL (67).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 845910 | xxxxxx | B A | Closed | xxxxxx | 2025-08-06 13:54 | 2025-08-06 13:56 | Waived | 2 - Non-Material B | Credit | Eligibility | Ineligible Property | Waived-Client Exception granted with Compensating Factors. xxxxxx unit purchase by 1st time investor; guides require 1 unit max for 1st time investor. - Due Diligence Vendor-08/06/2025 |  | Waived-Client Exception granted with Compensating Factors. xxxxxx unit purchase by 1st time investor; guides require 1 unit max for 1st time investor. - Due Diligence Vendor-08/06/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.14 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br> Qualifying FICO Of 701 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points | PITIA reserves above min by 6 months. DSCR > 1.00. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 845910 | xxxxxx | B A | Closed | xxxxxx | 2025-08-06 13:56 | 2025-08-06 13:56 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Client Exception granted with Compensating Factors. Qualifying FICO of 701; guides require 720 for first time investors. - Due Diligence Vendor-08/06/2025 |  | Waived-Client Exception granted with Compensating Factors. Qualifying FICO of 701; guides require 720 for first time investors. - Due Diligence Vendor-08/06/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.14 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months<br> Qualifying FICO Of 701 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points | PITIA reserves above min by 6 months. DSCR > 1.00. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 845918 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 845923 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 845929 | xxxxxx | D A | Closed | xxxxxx | 2025-08-06 09:04 | 2025-08-08 10:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Newly Closed Loan for xxxxxx, First Payment Letter (escrowed) Final HUD/SS & Note provided. - Due Diligence Vendor-08/08/2025 <br> Ready for Review-Document Uploaded. HOA $55 per page 1 of appraisal <br> Business purpose loan - no CD xxxxxx - Seller-08/07/2025 <br> Open-Missing verification of mortgage document and HOA document, Note and Final Closing Disclosure for xxxxxx (xxxxxx). - Due Diligence Vendor-08/06/2025 | Ready for Review-Document Uploaded. HOA $55 per page 1 of appraisal <br> Business purpose loan - no CD xxxxxx - Seller-08/07/2025 | Resolved-Newly Closed Loan for xxxxxx, First Payment Letter (escrowed) Final HUD/SS & Note provided. - Due Diligence Vendor-08/08/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.34 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.96 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.34 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.08 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 |  | UPDATED HAZARD INSURANCE (7).pdf<br>TAX STATEMENT_BILL - SUBJECT (7).pdf<br>APPRAISAL REPORT (23).pdf<br>payment.pdf<br>Signed CS.pdf<br>NOTE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845930 | xxxxxx | D A | Closed | xxxxxx | 2025-08-13 11:02 | 2025-08-23 09:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Personal Guaranty is Partial/Incomplete | Resolved-Personal Guaranty is Present and complete. - Due Diligence Vendor-08/23/2025 <br> Ready for Review-Document Uploaded. - Seller-08/22/2025 <br> Open-Personal Guaranty is incomplete. Missing personal guaranty. Currently guaranty(page 150-152) is from borrowers as managers and not individuals. - Due Diligence Vendor-08/13/2025 | Ready for Review-Document Uploaded. - Seller-08/22/2025<br>| Resolved-Personal Guaranty is Present and complete. - Due Diligence Vendor-08/23/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 44.50 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 44.54 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 381.85 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 54.55 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 5.02% 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 - 8.25 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 795 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More |  | doc xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 845938 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 845939 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 845941 | xxxxxx | D B C A | Closed | xxxxxx | 2025-08-15 11:06 | 2025-08-15 11:09 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client Exception granted with Compensating Factors. FTHB + Rent Free requires 6 months reserves - Due Diligence Vendor-08/15/2025 <br> Open-Audited Reserves of 3.13 are less than Guideline Required Reserves of 6 - Due Diligence Vendor-08/15/2025 |  | Waived-Client Exception granted with Compensating Factors. FTHB + Rent Free requires 6 months reserves - Due Diligence Vendor-08/15/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.65% 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 684 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points | DTI 5% below max<br> Residual Income |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 845941 | xxxxxx | D B C A | Closed | xxxxxx | 2025-08-12 15:53 | 2025-08-14 08:15 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-Lock confirmation / valid COC event received, data entered, no additional compliance findings. - Due Diligence Vendor-08/14/2025 <br> Resolved- - Due Diligence Vendor-08/14/2025 <br> Ready for Review-Document Uploaded. Rate locked with CD - Seller-08/14/2025 <br> Open-Documentation provided does not include a rate lock confirmation - APOR date is undetermined ////// • Locked TRID disclosure is missing. A Locked Loan Estimate or Closing Disclosure (as applicable), advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on \*\*\*\*LOCK DATE UNKNOWN\*\*\*\*. Rate dependent charge changes subject to 0% tolerance total $4,550.00. - Due Diligence Vendor-08/13/2025 <br> Open- - Due Diligence Vendor-08/13/2025 <br> Open- - Due Diligence Vendor-08/13/2025 <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 $4,550.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-08/12/2025 <br> Open- - Due Diligence Vendor-08/12/2025 | Ready for Review-Document Uploaded. Rate locked with CD - Seller-08/14/2025<br>| Resolved-Lock confirmation / valid COC event received, data entered, no additional compliance findings. - Due Diligence Vendor-08/14/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.65% 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 684 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | LOCK CONFIRMATION (47).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845941 | xxxxxx | D B C A | Closed | xxxxxx | 2025-08-12 15:53 | 2025-08-14 08:15 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Lock confirmation / valid COC event received, data entered, no additional compliance findings. - Due Diligence Vendor-08/14/2025 <br> Resolved- - Due Diligence Vendor-08/14/2025 <br> Ready for Review-Document Uploaded. - Seller-08/14/2025 <br> Open-Documentation provided does not include a rate lock confirmation - APOR date is undetermined ////// • Locked TRID disclosure is missing. A Locked Loan Estimate or Closing Disclosure (as applicable), advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on \*\*\*\*LOCK DATE UNKNOWN\*\*\*\*. Rate dependent charge changes subject to 0% tolerance total $4,550.00. - Due Diligence Vendor-08/13/2025 <br> Open- - Due Diligence Vendor-08/13/2025 <br> Open- - Due Diligence Vendor-08/13/2025 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-08/12/2025 <br> Open- - Due Diligence Vendor-08/12/2025 | Ready for Review-Document Uploaded. - Seller-08/14/2025<br>| Resolved-Lock confirmation / valid COC event received, data entered, no additional compliance findings. - Due Diligence Vendor-08/14/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.65% 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 684 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | LOCK CONFIRMATION (47).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845941 | xxxxxx | D B C A | Closed | xxxxxx | 2025-08-12 15:53 | 2025-08-14 08:15 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Lock date provided. Ø one or more appraisals; proof the appraisal(s) was delivered to the borrower not less than 3 days prior to consummation.<br> Ø an escrow account for Insurance(s) and Taxes has been established.<br> - Due Diligence Vendor-08/14/2025 <br> Open- - Due Diligence Vendor-08/14/2025 <br> Ready for Review-Document Uploaded. Rate locked xxxxxx - Seller-08/14/2025 <br> Open-Documentation provided does not include a rate lock confirmation - APOR date is undetermined - Due Diligence Vendor-08/13/2025 <br> Open- - Due Diligence Vendor-08/13/2025 <br> Open- - Due Diligence Vendor-08/13/2025 <br> Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-08/12/2025 <br> Open- - Due Diligence Vendor-08/12/2025 | Ready for Review-Document Uploaded. Rate locked xxxxxx - Seller-08/14/2025 | Resolved-Lock date provided. Ø one or more appraisals; proof the appraisal(s) was delivered to the borrower not less than 3 days prior to consummation.<br> Ø an escrow account for Insurance(s) and Taxes has been established.<br> - Due Diligence Vendor-08/14/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.65% 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 684 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | LOCK CONFIRMATION (47).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845941 | xxxxxx | D B C A | Closed | xxxxxx | 2025-08-12 15:53 | 2025-08-14 08:15 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Lock confirmation / valid COC event received, data entered, no additional compliance findings. - Due Diligence Vendor-08/14/2025 <br> Resolved- - Due Diligence Vendor-08/14/2025 <br> Ready for Review-Document Uploaded. - Seller-08/14/2025 <br> Open-Documentation provided does not include a rate lock confirmation - APOR date is undetermined ////// • Locked TRID disclosure is missing. A Locked Loan Estimate or Closing Disclosure (as applicable), advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on \*\*\*\*LOCK DATE UNKNOWN\*\*\*\*. Rate dependent charge changes subject to 0% tolerance total $4,550.00. - Due Diligence Vendor-08/13/2025 <br> Open- - Due Diligence Vendor-08/13/2025 <br> Open- - Due Diligence Vendor-08/13/2025 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-08/12/2025 <br> Open- - Due Diligence Vendor-08/12/2025 | Ready for Review-Document Uploaded. - Seller-08/14/2025<br>| Resolved-Lock confirmation / valid COC event received, data entered, no additional compliance findings. - Due Diligence Vendor-08/14/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.65% 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 684 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | LOCK CONFIRMATION (47).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845941 | xxxxxx | D B C A | Closed | xxxxxx | 2025-08-13 18:14 | 2025-08-14 08:15 | Resolved | 1 - Information C A | Compliance | Points & Fees | High-Cost Mortgage Date the Rate Was Set Validation Test | Resolved-Lock confirmation received, data entered, no additional compliance findings. - Due Diligence Vendor-08/14/2025 <br> Resolved- - Due Diligence Vendor-08/14/2025 <br> Ready for Review-Document Uploaded. - Seller-08/14/2025 <br> Open-Documentation provided does not include a rate lock confirmation - APOR date is undetermined - Due Diligence Vendor-08/13/2025 <br> Open-This loan failed the date the rate was set validation test. (12 CFR §1026.32(1)(i)(A), (C))This loan did not provide the date the rate was set, which is required for the High-Cost Mortgage Finding. Documentation provided does not include a rate lock confirmation - APOR date is undetermined - Due Diligence Vendor-08/13/2025 <br> Open- - Due Diligence Vendor-08/13/2025 | Ready for Review-Document Uploaded. - Seller-08/14/2025<br>| Resolved-Lock confirmation received, data entered, no additional compliance findings. - Due Diligence Vendor-08/14/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.65% 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 684 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | LOCK CONFIRMATION (47).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845941 | xxxxxx | D B C A | Closed | xxxxxx | 2025-08-13 15:25 | 2025-08-14 07:55 | Resolved | 1 - Information D A | Compliance | Missing Doc - Rate Lock | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-08/14/2025 <br> Ready for Review-Document Uploaded. - Seller-08/14/2025 <br> Open-Evidence of Rate Lock Missing Documentation provided does not include confirmation of Lock Date. - Due Diligence Vendor-08/13/2025 | Ready for Review-Document Uploaded. - Seller-08/14/2025<br>| Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-08/14/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.65% 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 684 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | LOCK CONFIRMATION (47).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845947 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 845984 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 846103 | xxxxxx | D A | Closed | xxxxxx | 2025-09-29 11:40 | 2025-10-03 13:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-10/03/2025 <br> Ready for Review-Document Uploaded. Please see attached Lender Worksheet, - Due Diligence Vendor-10/03/2025 <br> Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-09/29/2025 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-10/03/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 713 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | Full Review846103_xxxxxx_10_2_2025_xxxxxx_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846103 | xxxxxx | D A | Closed | xxxxxx | 2025-10-01 15:46 | 2025-10-03 13:32 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-10/03/2025 <br> Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-10/03/2025 <br> Open-Borrower 1 CPA Letter Missing - Due Diligence Vendor-10/01/2025 |  | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-10/03/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 713 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | Full Review846103_xxxxxx_10_2_2025_xxxxxx_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846119 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 846120 | xxxxxx | C A | Closed | xxxxxx | 2025-09-03 16:37 | 2025-09-10 09:09 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | High-Cost Mortgage Pre-Loan Counseling Date Test | Resolved-Confirmation of xxxxxx Lock date provided - Due Diligence Vendor-09/10/2025 <br> Open-\*\*\*The loan failed the High-Cost Points and Fees test because it exceeded the threshold. Although the loan documents provide an undiscounted rate in relation to bona fide discount points, based on the lender's xxxxxx report, the lender is using the APOR related to the initial rate lock date of xxxxxx. The Rate Lock confirmation documents in the file indicate the rate changed again on xxxxxx and was subsequently extended with the last rate lock extension done on xxxxxx. Canopy's compliance testing is using the APOR index value in relation to the last rate extension. - Due Diligence Vendor-09/03/2025 <br> Open- - Due Diligence Vendor-09/03/2025 <br> Open-This loan failed the high-cost mortgage pre-loan counseling date test due to one of the following findings: (12 CFR §1026.34(a)(5)(i), (ii))The loan is a 2010 RESPA loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received either the good faith estimate or the disclosures required by 12 CFR §1026.40; orThe loan is a 2015 TRID loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received either the initial loan estimate or the disclosures required by 12 CFR §1026.40; orThe loan is a xxxxxx loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received the disclosures required by 12 CFR §1026.32; orThe High-Cost Mortgage Pre-Loan Counseling Date was not provided; orThe High-Cost Mortgage Pre-Loan Counseling Date is on or after the closing date or estimated closing date.Certification of counseling required. A creditor shall not extend a high-cost mortgage to a consumer unless the creditor receives written certification that the consumer has obtained counseling on the advisability of the mortgage from a counselor that is approved to provide such counseling by the Secretary of the xxxxxx Department of Housing and Urban Development or, if permitted by the Secretary, by a State housing finance authority.(ii) Timing of counseling. The counseling required under this paragraph (a)(5) must occur after:(A) The consumer receives either the disclosure required by section 5(c) of the Real Estate Settlement Procedures Act of 1974 (12 xxxxxx. 2604(c)) or the disclosures required by §1026.40; or(B) The consumer receives the disclosures required by §1026.32(c), for transactions in which neither of the disclosures listed in (A) are provided. - Due Diligence Vendor-09/03/2025 <br> Open- - Due Diligence Vendor-09/03/2025 |  | Resolved-Confirmation of xxxxxx Lock date provided - Due Diligence Vendor-09/10/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.05 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.5 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.65 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 760 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.9% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 846120 | xxxxxx | C A | Closed | xxxxxx | 2025-09-03 16:37 | 2025-09-10 09:09 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | High-Cost Mortgage Timing of Disclosure Test | Resolved-Confirmation of xxxxxx Lock date provided - Due Diligence Vendor-09/10/2025 <br> Open-\*\*\*The loan failed the High-Cost Points and Fees test because it exceeded the threshold. Although the loan documents provide an undiscounted rate in relation to bona fide discount points, based on the lender's xxxxxx report, the lender is using the APOR related to the initial rate lock date of xxxxxx. The Rate Lock confirmation documents in the file indicate the rate changed again on xxxxxx and was subsequently extended with the last rate lock extension done on xxxxxx. Canopy's compliance testing is using the APOR index value in relation to the last rate extension. - Due Diligence Vendor-09/03/2025 <br> Open- - Due Diligence Vendor-09/03/2025 <br> Open-This loan failed the high-cost mortgage timing of disclosure test due to one of the following findings: (12 CFR §1026.31(c))The High-Cost Mortgage Disclosure Date indicates the creditor did not furnish the disclosure required by 12 CFR §1026.32 at least three business days prior to the consummation or account opening of a high-cost mortgage; orThe High-Cost Mortgage Disclosure Date was not provided; orNeither the consummation date nor the closing date was provided. - Due Diligence Vendor-09/03/2025 <br> Open- - Due Diligence Vendor-09/03/2025 |  | Resolved-Confirmation of xxxxxx Lock date provided - Due Diligence Vendor-09/10/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.05 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.5 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.65 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 760 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.9% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 846120 | xxxxxx | C A | Closed | xxxxxx | 2025-09-03 16:37 | 2025-09-10 09:09 | Resolved | 1 - Information C A | Compliance | Points & Fees | High-Cost Mortgage Late Fee Test | Resolved-Confirmation of xxxxxx Lock date provided - Due Diligence Vendor-09/10/2025 <br> Ready for Review-Please see attached Compliance Report and Locks. - Due Diligence Vendor-09/10/2025 <br> Ready for Review-Document Uploaded. Please see attached Compliance Report and Locks. - Due Diligence Vendor-09/10/2025 <br> Open-\*\*\*The loan failed the High-Cost Points and Fees test because it exceeded the threshold. Although the loan documents provide an undiscounted rate in relation to bona fide discount points, based on the lender's xxxxxx report, the lender is using the APOR related to the initial rate lock date of xxxxxx. The Rate Lock confirmation documents in the file indicate the rate changed again on xxxxxx and was subsequently extended with the last rate lock extension done on xxxxxx. Canopy's compliance testing is using the APOR index value in relation to the last rate extension. - Due Diligence Vendor-09/03/2025 <br> Open- - Due Diligence Vendor-09/03/2025 <br> Open-This loan failed the high-cost mortgage late charges test for one of the following reasons: (12 CFR §1026.34(a)(8)(i))The loan provides for a late payment fee in excess of 4% of the amount of the payment past due; orA value for the late charges amount was not provided.Any late payment charge imposed in connection with a high-cost mortgage must be specifically permitted by the terms of the loan contract or open-end credit agreement and may not exceed 4 percent of the amount of the payment past due. No such charge may be imposed more than once for a single late payment. - Due Diligence Vendor-09/03/2025 <br> Open- - Due Diligence Vendor-09/03/2025 |  | Resolved-Confirmation of xxxxxx Lock date provided - Due Diligence Vendor-09/10/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.05 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.5 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.65 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 760 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.9% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17 |  | Full Review846120_xxxxxx_9_8_2025_xxxxxx_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 846120 | xxxxxx | C A | Closed | xxxxxx | 2025-09-03 16:37 | 2025-09-10 09:09 | Resolved | 1 - Information C A | Compliance | Points & Fees | High-Cost Mortgage Points and Fees Threshold Test | Resolved-Confirmation of xxxxxx Lock date provided - Due Diligence Vendor-09/10/2025 <br> Open-\*\*\*The loan failed the High-Cost Points and Fees test because it exceeded the threshold. Although the loan documents provide an undiscounted rate in relation to bona fide discount points, based on the lender's xxxxxx report, the lender is using the APOR related to the initial rate lock date of xxxxxx. The Rate Lock confirmation documents in the file indicate the rate changed again on xxxxxx and was subsequently extended with the last rate lock extension done on xxxxxx. Canopy's compliance testing is using the APOR index value in relation to the last rate extension. - Due Diligence Vendor-09/03/2025 <br> Open-This loan failed the high-cost mortgage points and fees threshold test due to one of the following findings: (12 CFR §1026.32(a)(1)(ii)(A), (B))The loan amount is xxxxxx or more, and the transaction's total points and fees is xxxxxx, which exceeds 5 percent of the total loan amount of xxxxxx; orThe loan amount is less than xxxxxx and the transaction's total points and fees is xxxxxx, which exceeds the lesser of 8 percent of the total loan amount of xxxxxx or xxxxxx. - Due Diligence Vendor-09/03/2025 <br> Open- - Due Diligence Vendor-09/03/2025 <br> Open- - Due Diligence Vendor-09/03/2025 |  | Resolved-Confirmation of xxxxxx Lock date provided - Due Diligence Vendor-09/10/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.05 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.5 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.65 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 760 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.9% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 846140 | xxxxxx | C B A | Closed | xxxxxx | 2025-09-23 14:16 | 2025-09-23 14:40 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client Exception granted with Compensating Factors. - Due Diligence Vendor-09/23/2025 <br> Open-Borrower is ineligible for a cash out refinance due to being a first time investor as defined by guideline. (Less than 1 year investor experience) - Due Diligence Vendor-09/23/2025 |  | Waived-Client Exception granted with Compensating Factors. - Due Diligence Vendor-09/23/2025  | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 38.99% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 210.25 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | Low LTV, high DSCR, over $300k in reserves, consistent housing payment history |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 846140 | xxxxxx | C B A | Closed | xxxxxx | 2025-09-23 14:15 | 2025-09-23 14:40 | Waived | 2 - Non-Material C B | Credit | Liabilities | Mortgage history for primary residence less than 12 months | Waived-Client Exception granted with Compensating Factors. - Due Diligence Vendor-09/23/2025 <br> Open-Borrower must have 1 year primary residence ownership history due to being a first time investor as defined by guideline. (Less than 1 year investor experience) - Due Diligence Vendor-09/23/2025 |  | Waived-Client Exception granted with Compensating Factors. - Due Diligence Vendor-09/23/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 38.99% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 210.25 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | Low LTV, high DSCR, over $300k in reserves, consistent housing payment history |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 846140 | xxxxxx | C B A | Closed | xxxxxx | 2025-09-23 14:14 | 2025-09-23 14:39 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Client Exception granted with Compensating Factors. - Due Diligence Vendor-09/23/2025 <br> Open-FICO of 661 is below the minimum 680 due to borrower being a first time investor as defined by guideline. (Less than 1 year investor experience) - Due Diligence Vendor-09/23/2025 |  | Waived-Client Exception granted with Compensating Factors. - Due Diligence Vendor-09/23/2025  | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 38.99% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 210.25 Are Greater Than The Guideline Minimum Of 2 By Six (6) Or More Months | Low LTV, high DSCR, over $300k in reserves, consistent housing payment history |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 846147 | xxxxxx | D A | Closed | xxxxxx | 2025-09-05 12:13 | 2025-09-19 11:17 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | PUD Rider is Missing | Resolved-PUD rider is now provided along with the DOT. - Due Diligence Vendor-09/19/2025 <br> Ready for Review-Document Uploaded. Please see attached PUD Rider. - Due Diligence Vendor-09/19/2025 <br> Open-PUD Rider is Missing - Due Diligence Vendor-09/05/2025 |  | Resolved-PUD rider is now provided along with the DOT. - Due Diligence Vendor-09/19/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 757 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 46.16 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 15.42% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6 Years |  | Full Review846147_xxxxxx_9_18_2025_xxxxxx_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846147 | xxxxxx | D A | Closed | xxxxxx | 2025-09-05 12:24 | 2025-09-17 11:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-09/17/2025 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-09/17/2025 <br> Ready for Review-Document Uploaded. Please see attached UDM. - Due Diligence Vendor-09/17/2025 <br> Open-Borrower 1 Gap Credit Report is Missing A gap credit report or Undisclosed Debt Monitoring (UDM) report is required no more than 30- days prior to loan closing or any time after closing. Borrower 1 Gap Credit Report is Missing. - Due Diligence Vendor-09/05/2025 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-09/17/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 757 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 46.16 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 15.42% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6 Years |  | Full Review_Comments_846147_xxxxxx_9_11_2025_xxxxxx_AM.csv<br> Full Review846147_xxxxxx_9_11_2025_xxxxxx_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846179 | xxxxxx | D A | Closed | xxxxxx | 2025-09-09 17:41 | 2025-09-17 01:34 | Resolved | 1 - Information D A | Compliance | Missing Doc | Prepayment Rider Missing | Resolved-PPP rider provided - Due Diligence Vendor-09/17/2025 <br> Ready for Review-Document Uploaded. Please see attached Prepays. xxxxxx! - Due Diligence Vendor-09/17/2025 <br> Open-Prepayment Rider Missing and Prepayment addendum are missing. - Due Diligence Vendor-09/09/2025 |  | Resolved-PPP rider provided - Due Diligence Vendor-09/17/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.87 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 21 Years<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.08 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.56% 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 749 is Greater Than The Guideline Minimum Of 608 By Twenty (20) or More Points |  | Full Review846179_xxxxxx_9_16_2025_xxxxxx_AM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 846187 | xxxxxx | D A | Closed | xxxxxx | 2025-09-18 11:20 | 2025-09-22 12:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-HOA statement provided. - Due Diligence Vendor-09/22/2025 <br> Ready for Review-Document Uploaded. HOA dues - Buyer-09/18/2025 <br> Open-Missing HOA dues for xxxxxx - Due Diligence Vendor-09/18/2025 |  | Resolved-HOA statement provided. - Due Diligence Vendor-09/22/2025 | Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 52.67 Years<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 23.70 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 46.39 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 804 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 37.49 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.75 Years |  | HOA_xxxxxx_$659.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 846254 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 846277 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 846371 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 846380 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 846424 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 846472 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 846500 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 846506 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 846517 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 846547 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 846667 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-14 12:17 | 2025-09-17 15:51 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided - Due Diligence Vendor-09/17/2025 <br> Ready for Review-Document Uploaded. See attached CDA - Due Diligence Vendor-09/17/2025 <br> Open-CU does not meet requirements. CDA missing. - Due Diligence Vendor-09/14/2025 |  | Resolved-Desk review provided - Due Diligence Vendor-09/17/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 29 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.51 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 |  | Full Review846667_xxxxxx_9_17_2025_xxxxxx_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 846667 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-12 07:12 | 2025-09-17 11:21 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-\*\*Received ICD - Due Diligence Vendor-09/17/2025 <br> Ready for Review-Document Uploaded. See initial LE - Due Diligence Vendor-09/17/2025 <br> Open-\*\*\*\*\*Documentation provided does not contain the Initial Closing Disclosure Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-09/12/2025 |  | Resolved-\*\*Received ICD - Due Diligence Vendor-09/17/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 29 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.51 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 |  | Full Review846667_xxxxxx_9_16_2025_xxxxxx_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 846683 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 846692 | xxxxxx | B A | Closed | xxxxxx | 2025-08-26 09:46 | 2025-08-26 09:46 | Waived | 2 - Non-Material B | Credit | Income | Income documentation does not meet guidelines | Waived-Client Exception granted with Compensating Factors. Exception to use 4 separate bank accounts for income qualification. - Due Diligence Vendor-09/08/2025 |  | Waived-Client Exception granted with Compensating Factors. Exception to use 4 separate bank accounts for income qualification. - Due Diligence Vendor-09/08/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.42 Are Greater Than The Guideline Minimum Of 6 Months.<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.66% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 846693 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 846694 | xxxxxx | B A | Closed | xxxxxx | 2025-09-08 10:57 | 2025-09-10 07:10 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client Exception granted with Compensating Factors. Audited Reserves of 3.23 are less than Guideline Required Reserves of 6 - Originator exception granted with compensating factors to reduce required reserves - Due Diligence Vendor-09/25/2025 |  | Waived-Client Exception granted with Compensating Factors. Audited Reserves of 3.23 are less than Guideline Required Reserves of 6 - Originator exception granted with compensating factors to reduce required reserves - Due Diligence Vendor-09/25/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.64 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 755 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 | 1. VOR 0X30X60 MINIMUM REQUIRED IS 0X30X12<br> 2. FICO 755 MINIMUM REQUIRED 700<br> 3. EMPLOYED WITH SAME EMPLOYER SINCE xxxxxx |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 846694 | xxxxxx | B A | Closed | xxxxxx | 2025-09-08 10:57 | 2025-09-10 07:09 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Client Exception granted with Compensating Factors. Audited DTI of 49.97% exceeds Guideline DTI of 43% DTI OF 49.36% EXCEEDS THE MAX ALLOWED OF 43% AND RESIDUAL INCOME OF $1276 DOES NOT MEET THE REQUIRED $3,500 - Due Diligence Vendor-09/08/2025 |  | Waived-Client Exception granted with Compensating Factors. Audited DTI of 49.97% exceeds Guideline DTI of 43% DTI OF 49.36% EXCEEDS THE MAX ALLOWED OF 43% AND RESIDUAL INCOME OF $1276 DOES NOT MEET THE REQUIRED $3,500 - Due Diligence Vendor-09/08/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.64 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 755 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 | 1. VOR 0X30X60 MINIMUM REQUIRED IS 0X30X12<br> 2. FICO 755 MINIMUM REQUIRED 700<br> 3. EMPLOYED WITH SAME EMPLOYER SINCE xxxxxx |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 846694 | xxxxxx | B A | Closed | xxxxxx | 2025-09-08 10:59 | 2025-09-10 07:09 | Waived | 2 - Non-Material B | Credit | Borrower | Potential Identity Issues identified in the file | Waived-Client Exception granted with Compensating Factors. EXCEPTION REQUIRED FOR NO DRIVERS LICENSE. ID IN FILE IS PASSPORT. - Due Diligence Vendor-09/08/2025 |  | Waived-Client Exception granted with Compensating Factors. EXCEPTION REQUIRED FOR NO DRIVERS LICENSE. ID IN FILE IS PASSPORT. - Due Diligence Vendor-09/08/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.64 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 755 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 | 1. VOR 0X30X60 MINIMUM REQUIRED IS 0X30X12<br> 2. FICO 755 MINIMUM REQUIRED 700<br> 3. EMPLOYED WITH SAME EMPLOYER SINCE xxxxxx |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 846695 | xxxxxx | C B A | Closed | xxxxxx | 2025-08-27 23:26 | 2025-08-27 23:27 | Waived | 2 - Non-Material C B | Property | Property Issue | Appraisal Indicates Potential Safety Concern | Waived-Client waived with compensating factors. Appraisal is "as is" and the subject property does not have xxxxxx in appraisal photos. Requesting to use photos from the borrower to evidence xxxxxx. - Due Diligence Vendor-08/28/2025 |  |  | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 755 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.38 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 | 0x30 VOR and 0x30 on all other trades. <br> C3 collateral in high demand market with <3 months marketing time. <br> All consumer credit paid as agreed in the most recent 12 months. <br> Borrower exceeds minimum credit score requirement by at least 126 points. <br> Co-borrower 7 years 4 months with employer as a framer in growing metro area. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 846695 | xxxxxx | C B A | Closed | xxxxxx | 2025-08-25 01:47 | 2025-08-25 01:47 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client Exception granted with Compensating Factors. Audited Reserves of 4.97 are less than Guideline Required Reserves of 6 - Due Diligence Vendor-08/28/2025 |  | Waived-Client Exception granted with Compensating Factors. Audited Reserves of 4.97 are less than Guideline Required Reserves of 6 - Due Diligence Vendor-08/28/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 755 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.38 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 | 0x30 VOR and 0x30 on all other trades. <br> C3 collateral in high demand market with <3 months marketing time. <br> All consumer credit paid as agreed in the most recent 12 months. <br> Borrower exceeds minimum credit score requirement by at least 126 points. <br> Co-borrower 7 years 4 months with employer as a framer in growing metro area. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 846695 | xxxxxx | C B A | Closed | xxxxxx | 2025-08-25 01:14 | 2025-08-25 01:44 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client Exception granted with Compensating Factors. Housing History Does Not Meet Guideline Requirements. 12 months cancelled checks used to validate VOR from private party. VOR directly from xxxxxx property manager and not property management company. - Due Diligence Vendor-08/28/2025 |  | Waived-Client Exception granted with Compensating Factors. Housing History Does Not Meet Guideline Requirements. 12 months cancelled checks used to validate VOR from private party. VOR directly from xxxxxx property manager and not property management company. - Due Diligence Vendor-08/28/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 755 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.38 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 | 0x30 VOR and 0x30 on all other trades. <br> C3 collateral in high demand market with <3 months marketing time. <br> All consumer credit paid as agreed in the most recent 12 months. <br> Borrower exceeds minimum credit score requirement by at least 126 points. <br> Co-borrower 7 years 4 months with employer as a framer in growing metro area. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 846695 | xxxxxx | C B A | Closed | xxxxxx | 2025-08-25 01:42 | 2025-08-25 01:42 | Waived | 2 - Non-Material B | Credit | Eligibility | Seller Contributions Do Not Meet Guidelines | Waived-Client Exception granted with Compensating Factors. Guidelines cap seller concessions at 4% with 700 FICO and < $450,000 loan amount. Exception for 6% total including xxxxxx 2% IPC credit to avoid purchase price and appraisal reductions and required documentation to do so. - Due Diligence Vendor-08/28/2025 |  | Waived-Client Exception granted with Compensating Factors. Guidelines cap seller concessions at 4% with 700 FICO and < $450,000 loan amount. Exception for 6% total including xxxxxx 2% IPC credit to avoid purchase price and appraisal reductions and required documentation to do so. - Due Diligence Vendor-08/28/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 755 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.38 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 | 0x30 VOR and 0x30 on all other trades. <br> C3 collateral in high demand market with <3 months marketing time. <br> All consumer credit paid as agreed in the most recent 12 months. <br> Borrower exceeds minimum credit score requirement by at least 126 points. <br> Co-borrower 7 years 4 months with employer as a framer in growing metro area. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 846695 | xxxxxx | C B A | Closed | xxxxxx | 2025-08-25 01:34 | 2025-08-25 01:38 | Waived | 2 - Non-Material B | Credit | Eligibility | Payment Shock Does Not Meet Guideline Requirements | Waived-Client Exception granted with Compensating Factors. Payment Shock Does Not Meet Guideline Requirements Client waived with compensating factors. Lender exception for payment shock exceeding 200% maximum - Due Diligence Vendor-08/28/2025 |  | Waived-Client Exception granted with Compensating Factors. Payment Shock Does Not Meet Guideline Requirements Client waived with compensating factors. Lender exception for payment shock exceeding 200% maximum - Due Diligence Vendor-08/28/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 755 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.38 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 | 0x30 VOR and 0x30 on all other trades. <br> C3 collateral in high demand market with <3 months marketing time. <br> All consumer credit paid as agreed in the most recent 12 months. <br> Borrower exceeds minimum credit score requirement by at least 126 points. <br> Co-borrower 7 years 4 months with employer as a framer in growing metro area. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 846696 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-08 14:18 | 2025-09-08 14:18 | Waived | 2 - Non-Material B | Credit | Eligibility | Transferred Appraisal does not meet guideline requirements | Waived-Client Exception granted with Compensating Factors. Exception to allow appraisal transfer for xxxxxx units. Per guidelines, appraisal transfer for xxxxxx units is not allowed. - Due Diligence Vendor-09/08/2025 |  | Waived-Client Exception granted with Compensating Factors. Exception to allow appraisal transfer for xxxxxx units. Per guidelines, appraisal transfer for xxxxxx units is not allowed. - Due Diligence Vendor-09/08/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 722 is Greater Than The Guideline Minimum Of 680.<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.16 Years | 1. Post closing reserves of 12.17 months.<br> 2. FICO of 722 is 42 points higher than minimum required<br> 3. DSCR of 1.35 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 846696 | xxxxxx | D B A | Closed | xxxxxx | 2025-08-28 12:22 | 2025-09-02 09:18 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Client Exception granted with Compensating Factors. Exception granted with supporting comp factors: Exception to allow loan amount of xxxxxx. as per guidelines, minimum loan amount is $400,000. - Due Diligence Vendor-09/02/2025 <br> Ready for Review-Document Uploaded. - Seller-08/29/2025 <br> Open-Audited Loan Amount of xxxxxx is less than the Guideline Minimum Loan Amount of 400000 Lender exception needed for loan size. (page 460 of guidelines)(page 11 of xxxxxx guidelines) for xxxxxx units. - Due Diligence Vendor-08/28/2025 | Ready for Review-Document Uploaded. - Seller-08/29/2025<br>| Waived-Client Exception granted with Compensating Factors. Exception granted with supporting comp factors: Exception to allow loan amount of xxxxxx. as per guidelines, minimum loan amount is $400,000. - Due Diligence Vendor-09/02/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 722 is Greater Than The Guideline Minimum Of 680.<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.16 Years | Post closing reserves of 12.17 months.<br> FICO of 722 is 42 points higher than minimum required<br> DSCR of 1.35 | xxxxxx Exception Form.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 846696 | xxxxxx | D B A | Closed | xxxxxx | 2025-08-28 11:53 | 2025-09-02 09:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Personal Guaranty is Unexecuted | Resolved-Personal Guaranty is Present and executed. - Due Diligence Vendor-09/02/2025 <br> Ready for Review-Document Uploaded. - Seller-08/29/2025 <br> Open-Personal Guaranty is not executed. LLC guaranty is executed but personal guaranty is not. - Due Diligence Vendor-08/28/2025 | Ready for Review-Document Uploaded. - Seller-08/29/2025<br>| Resolved-Personal Guaranty is Present and executed. - Due Diligence Vendor-09/02/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 722 is Greater Than The Guideline Minimum Of 680.<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.16 Years |  | Signed Guaranty Forms - Both.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 846696 | xxxxxx | D B A | Closed | xxxxxx | 2025-08-28 05:23 | 2025-08-28 12:28 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client Exception granted with Compensating Factors. Missing evidence of EMD clearing borrower account. Exception to back out the $1,000 EMD from the available asset on file. - Due Diligence Vendor-09/05/2025 |  | Waived-Client Exception granted with Compensating Factors. Missing evidence of EMD clearing borrower account. Exception to back out the $1,000 EMD from the available asset on file. - Due Diligence Vendor-09/05/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 722 is Greater Than The Guideline Minimum Of 680.<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.16 Years | 1. Post closing reserves of 12.17 months.<br> 2. FICO of 722 is 42 points higher than minimum required<br> 3. DSCR of 1.35 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 846700 | xxxxxx | D B C A | Closed | xxxxxx | 2025-09-05 17:50 | 2025-09-05 18:25 | Waived | 2 - Non-Material B | Credit | Eligibility | Trade line count does not meet program requirements | Waived-Client Exception granted with Compensating Factors. Borrower does not meet the minimum tradeline count of three, reporting for 24 months. - Due Diligence Vendor-09/05/2025 |  | Waived-Client Exception granted with Compensating Factors. Borrower does not meet the minimum tradeline count of three, reporting for 24 months. - Due Diligence Vendor-09/05/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 40% Is Below The Guideline Maximum Of 65% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 42.01 Are Greater Than The Guideline Minimum Of 6 By Six (6) Months. | DSCR is 1.24<br> Number of months reserves post closing is 42.01<br> Low LTV 40.109% |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 846700 | xxxxxx | D B C A | Closed | xxxxxx | 2025-08-27 10:08 | 2025-08-29 10:15 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Client Exception granted with Compensating Factors. Exception approval to allow for current 624 fico score which does not meet the minimum requirement of 660 for ITIN borrower - Due Diligence Vendor-08/29/2025 <br> Ready for Review-Document Uploaded. - Seller-08/28/2025 <br> Open-Audited FICO of 624 is less than Guideline FICO of 660 - Due Diligence Vendor-08/27/2025 | ITIN guidelines (549) show 660 minimum then other guidelines (534) for ITIN DSCR show using FICO < 680 - 08/27/2025 <br>Ready for Review-Document Uploaded. - Seller-08/28/2025 | Waived-Client Exception granted with Compensating Factors. Exception approval to allow for current 624 fico score which does not meet the minimum requirement of 660 for ITIN borrower- Due Diligence Vendor-08/29/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 40% Is Below The Guideline Maximum Of 65% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 42.01 Are Greater Than The Guideline Minimum Of 6 By Six (6) Months. | DSCR is 1.27<br> Number of months reserves post closing is 42.01<br> Low LTV 40.109% | Guideline Exception Form xxxxxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 846700 | xxxxxx | D B C A | Closed | xxxxxx | 2025-08-27 09:40 | 2025-08-28 08:01 | Resolved | 1 - Information D A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal has been provided - Due Diligence Vendor-08/28/2025 <br> Ready for Review-Document Uploaded. - Seller-08/27/2025 <br> Open-Appraisal is Missing Missing appraisal with 1007 for rental income - Due Diligence Vendor-08/27/2025 | Ready for Review-Document Uploaded. - Seller-08/27/2025<br>| Resolved-Appraisal has been provided - Due Diligence Vendor-08/28/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 40% Is Below The Guideline Maximum Of 65% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 42.01 Are Greater Than The Guideline Minimum Of 6 By Six (6) Months. |  | APPRAISAL.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 846709 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 846727 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 846756 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 846787 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 846835 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 846850 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 846875 | xxxxxx | D A | Closed | xxxxxx | 2025-10-02 13:19 | 2025-10-08 15:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-10/08/2025 <br> Ready for Review-Document Uploaded. See attached gap report and inquiry LOE - Due Diligence Vendor-10/08/2025 <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-10/02/2025 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-10/08/2025 | Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.08 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 24.2% 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 752 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | Full Review846875_xxxxxx_10_8_2025_xxxxxx_AM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 846875 | xxxxxx | D A | Closed | xxxxxx | 2025-10-07 12:29 | 2025-10-08 15:42 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-10/08/2025 <br> Ready for Review-Document Uploaded. 24 months P&L CPA verified in the file.<br> - Due Diligence Vendor-10/08/2025 <br> Open-Borrower 1 CPA Letter Missing CPA Letter missing - Due Diligence Vendor-10/07/2025 |  | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-10/08/2025 | Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.08 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 24.2% 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 752 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | Full Review846875_xxxxxx_10_8_2025_xxxxxx_AM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 846875 | xxxxxx | D A | Closed | xxxxxx | 2025-10-02 11:17 | 2025-10-08 15:34 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-10/08/2025 <br> Ready for Review-Document Uploaded. See attached 1003 - Due Diligence Vendor-10/08/2025 <br> Open-The Final 1003 is Missing - Due Diligence Vendor-10/02/2025 |  | Resolved-The Final 1003 is Present - Due Diligence Vendor-10/08/2025 | Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.08 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 24.2% 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 752 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | Full Review846875_xxxxxx_10_8_2025_xxxxxx_AM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 846882 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 846944 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 847179 | xxxxxx | D A | Closed | xxxxxx | 2025-09-09 14:10 | 2025-09-17 10:41 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document is Incomplete | Resolved-Title Document is Provided And Complete - Due Diligence Vendor-09/17/2025 <br> Ready for Review-Document Uploaded. Please see attached Title Supplement. - Due Diligence Vendor-09/17/2025 <br> Open-Title Document is Incomplete The Title Document provided does not reflect a dollar amount. - Due Diligence Vendor-09/09/2025 |  | Resolved-Title Document is Provided And Complete - Due Diligence Vendor-09/17/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.43 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.94% 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 726 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.18 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.17 Years<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.20 Years |  | Full Review847179_xxxxxx_9_11_2025_xxxxxx_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 847179 | xxxxxx | D A | Closed | xxxxxx | 2025-09-08 14:02 | 2025-09-17 10:40 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Approval/Underwriting Summary Partially Provided | Resolved-Updated 1008 provided - Due Diligence Vendor-09/17/2025 <br>Ready for Review-Document Uploaded. Please see attached 1008. - Due Diligence Vendor-09/17/2025 <br>Open-1008/Underwriting Summary Partially Provided Provide corrected 1008 removing the combined other income loss of ($1,489.63) which is from the initial 1003 and not the final 1003 figures. Rent loss of subject was already taken into consideration for ($864.51). Borrowers only other property is their primary housing which was accounted for in the ratios. Difference is causing a discrepancy in DTI - audit 43.94% vs lender 48.46% - Due Diligence Vendor-09/08/2025 |  | Resolved-Updated 1008 provided - Due Diligence Vendor-09/17/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.43 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.94% 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 726 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.18 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.17 Years<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.20 Years |  | Full Review847179_xxxxxx_9_11_2025_xxxxxx_PM.zip | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 847181 | xxxxxx | C A | Closed | xxxxxx | 2025-09-11 16:43 | 2025-09-19 08:06 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 46.3% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-09/19/2025 <br> Ready for Review-Lender provided further documentation to exclude loan payment. - Due Diligence Vendor-09/19/2025 <br> Ready for Review-Document Uploaded. The $705 payment was excluded as it was paid by someone else. I have attached the 12-month bank statements to support this. The payment of $705.29 was taken out about the 15th to the 18th of each month <br> - Due Diligence Vendor-09/18/2025 <br> Open-Audited DTI of 51.17% exceeds Guideline DTI of 50% The liability associated with xxxxxx Credit account #xxxxxx, which carries a monthly payment of $705.00, was not considered by the lender in the total monthly obligations. Additionally, no payoff statement or Letter of Explanation (LOX) has been provided for this account.<br> However, for accuracy and transparency, I have included this liability in the calculation of total monthly obligations. As a result, the Debt-to-Income (DTI) ratio varies from the lender's calculation. - Due Diligence Vendor-09/11/2025 |  | Resolved-Audited DTI of 46.3% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-09/19/2025 | Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.14 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 764 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.01 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments |  | Full Review847181_xxxxxx_9_17_2025_xxxxxx_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 847184 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-11 11:11 | 2025-09-17 11:57 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-\*\*Received IC D - Due Diligence Vendor-09/17/2025 <br> Ready for Review-Document Uploaded. See initial CD - Due Diligence Vendor-09/17/2025 <br> Open-\*\*\*\*\*\*Documentation provided does not contain the Initial Closing Disclosure. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. <br> - Due Diligence Vendor-09/11/2025 |  | Resolved-\*\*Received IC D - Due Diligence Vendor-09/17/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.16% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 54.85 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.04 Years |  | Full Review847184_xxxxxx_9_16_2025_xxxxxx_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 847184 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-12 11:43 | 2025-09-17 11:07 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-09/17/2025 <br> Ready for Review-Document Uploaded. See attached 1008 - Due Diligence Vendor-09/17/2025 <br> Open-1008/Underwriting Summary Not Provided Missing 1008/Underwriting Summary from the loan file. - Due Diligence Vendor-09/12/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-09/17/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.16% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 54.85 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.04 Years |  | Full Review847184_xxxxxx_9_15_2025_xxxxxx_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 847184 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-11 09:41 | 2025-09-17 11:06 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-09/17/2025 <br> Ready for Review-Document Uploaded. See attached Fraud report - Due Diligence Vendor-09/17/2025 <br> Open-Missing Third Party Fraud Report - Due Diligence Vendor-09/11/2025 |  | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-09/17/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.16% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 54.85 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.04 Years |  | Full Review847184_xxxxxx_9_15_2025_xxxxxx_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 847191 | xxxxxx | D A | Closed | xxxxxx | 2025-09-11 09:22 | 2025-09-17 07:21 | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower 1 YTD Profit & Loss Missing | Resolved-Borrower 1 YTD Profit & Loss Resolved - Due Diligence Vendor-09/17/2025 <br> Ready for Review-Document Uploaded. p & l - Buyer-09/16/2025 <br> Open-Borrower 1 YTD Profit & Loss Missing Provide the signed 1yr P&L statement for xxxxxx. - Due Diligence Vendor-09/11/2025 |  | Resolved-Borrower 1 YTD Profit & Loss Resolved - Due Diligence Vendor-09/17/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.39 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 20.81% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.16 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.33 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 742 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | P&L.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 847191 | xxxxxx | D A | Closed | xxxxxx | 2025-09-11 02:02 | 2025-09-17 07:21 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present - Due Diligence Vendor-09/17/2025 <br> Ready for Review-Document Uploaded. deed with riders - Buyer-09/16/2025 <br> Open-The Deed of Trust is Missing Provide the executed Deed of Trust for the subject property. - Due Diligence Vendor-09/11/2025 |  | Resolved-The Deed of Trust is Present - Due Diligence Vendor-09/17/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.39 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 20.81% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.16 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.33 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 742 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | DOT on xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 847196 | xxxxxx | D A | Closed | xxxxxx | 2025-09-24 14:46 | 2025-09-30 12:39 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-09/30/2025 <br> Ready for Review-Document Uploaded. Please see HOI - Due Diligence Vendor-09/29/2025 <br> Open-Missing Hazard Insurance Policy - Due Diligence Vendor-09/24/2025 |  | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-09/30/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 32.03 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.64 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 738 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.97% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Full Review847196_xxxxxx_9_29_2025_xxxxxx_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 847277 | xxxxxx | C A | Closed | xxxxxx | 2025-09-02 07:29 | 2025-09-10 00:17 | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-09/10/2025 <br> Ready for Review-Document Uploaded. xxxxxx - please see attached HOI - Due Diligence Vendor-09/10/2025 <br> Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxxxxx is less than the minimum required coverage amount of $xxxxxx Replacement Cost Estimator was not Provided. Per appraisal replacement cost new is xxxxxx. - Due Diligence Vendor-09/02/2025 |  | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-09/10/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 107.14 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.32 Years |  | Full Review847277_xxxxxx_9_8_2025_xxxxxx_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 847362 | xxxxxx | D A | Closed | xxxxxx | 2025-09-24 08:12 | 2025-10-02 14:28 | Resolved | 1 - Information C A | Credit | Income | Income and Employment Do Not Meet Guidelines | Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-10/02/2025 <br> Ready for Review-Document Uploaded. Please see income calculation<br> - Due Diligence Vendor-10/02/2025 <br> Open-Income and Employment Do Not Meet Guidelines . Provide xxxxxx #xxxxxx May 2025 Business Bank statement. At the time of review income worksheet shows income was based on statements dated June 2024 thru April 2025, skipping May 2025, and including June 2025 for 12 months. All statements are to be consecutive over the 12 month period and May 2025 is required. Based on the July 2024 through June 2025, less May 2025, annualized income is $135,160.30. - Due Diligence Vendor-09/24/2025 |  | Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-10/02/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 29.01 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 13.22% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 29.01 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 33.33% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 106.49 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 25.00 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 818 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | Full Review847362_xxxxxx_10_1_2025_xxxxxx_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 847362 | xxxxxx | D A | Closed | xxxxxx | 2025-09-24 08:27 | 2025-09-30 09:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-09/30/2025 <br> Ready for Review-Document Uploaded. CREDIT REFRESH - Due Diligence Vendor-09/29/2025 <br> Open-Borrower 1 Gap Credit Report is Missing . Provide gap credit report or Undisclosed Debt Monitoring (UDM) report as required by guidelines, no more than 30- days prior to loan closing or any time after closing. - Due Diligence Vendor-09/24/2025 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-09/30/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 29.01 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 13.22% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 29.01 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 33.33% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 106.49 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 25.00 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 818 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | Full Review847362_xxxxxx_9_29_2025_xxxxxx_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 847370 | xxxxxx | D A B | Closed | xxxxxx | 2025-09-24 16:10 | 2025-10-02 10:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Income worksheet provided. - Due Diligence Vendor-10/02/2025 <br> Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-10/02/2025 <br> Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-09/24/2025 |  | Resolved-Income worksheet provided. - Due Diligence Vendor-10/02/2025 | Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.72% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.76 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | Full Review847370_xxxxxx_10_2_2025_xxxxxx_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 847370 | xxxxxx | D A B | Closed | xxxxxx | 2025-09-24 19:01 | 2025-10-02 10:42 | Resolved | 1 - Information B A | Compliance | Missing Doc - Federal Disclosure | Initial Escrow Account Disclosure is Missing | Resolved-Initial Escrow Account Disclosure is Resolved - Due Diligence Vendor-10/02/2025 <br>Ready for Review-Document Uploaded. see attached - Due Diligence Vendor-10/02/2025 <br>Open-Initial Escrow Account Disclosure is Missing - Due Diligence Vendor-09/24/2025 |  | Resolved-Initial Escrow Account Disclosure is Resolved - Due Diligence Vendor-10/02/2025 | Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.72% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.76 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | Full Review847370_xxxxxx_10_2_2025_xxxxxx_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 847372 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 847413 | xxxxxx | B A | Closed | xxxxxx | 2025-09-08 14:30 | 2025-09-08 14:30 | Waived | 2 - Non-Material B | Credit | Eligibility | Transferred Appraisal does not meet guideline requirements | Waived-Client Exception granted with Compensating Factors. Lender exception for unallowable appraisal transfer - Due Diligence Vendor-09/08/2025 |  | Waived-Client Exception granted with Compensating Factors. Lender exception for unallowable appraisal transfer - Due Diligence Vendor-09/08/2025 | Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.08 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.24 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 75% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.34% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | Residual income exceeds $8,000, with a minimum requirement of $2,500 <br> FICO score: 737 <br> Housing history: 0x30x12 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 847414 | xxxxxx | B A | Closed | xxxxxx | 2025-08-29 07:14 | 2025-09-05 19:52 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client Exception granted with Compensating Factors. Client waived with compensating factors. Borrower is living rent free. FTHB with no housing history is not allowed on option 5 P&L only. - Due Diligence Vendor-09/05/2025 |  | Waived-Client Exception granted with Compensating Factors. Client waived with compensating factors. Borrower is living rent free. FTHB with no housing history is not allowed on option 5 P&L only. - Due Diligence Vendor-09/05/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.16% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 745 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | • Debt ratio of 23.16%<br> • Borrower exceeds minimum credit score requirement by 105<br> • Reserves exceed minimum required by 8.72 months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 847415 | xxxxxx | B A | Closed | xxxxxx | 2025-09-10 11:53 | 2025-09-10 11:53 | Waived | 2 - Non-Material B | Credit | Missing Doc - Income | Missing Borrower(s) Tax Returns, as applicable | Waived-Client Exception granted with Compensating Factors. Exception to allow self-prepared tax returns for borrower 2. Details on 1040 matched 1040 transcripts - Due Diligence Vendor-09/10/2025 |  | Waived-Client Exception granted with Compensating Factors. Exception to allow self-prepared tax returns for borrower 2. Details on 1040 matched 1040 transcripts - Due Diligence Vendor-09/10/2025 | Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.09 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.9 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21 | · Reserves of 16.38 months. <br> · Payment shock of 90.905%. <br> · Current LTV is 5% less than max allowed. <br> · Exceeds minimum FICO by 96 points |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 847415 | xxxxxx | B A | Closed | xxxxxx | 2025-09-10 11:51 | 2025-09-10 11:51 | Waived | 2 - Non-Material B | Credit | Eligibility | Trade line count does not meet program requirements | Waived-Client Exception granted with Compensating Factors. Exception approval for borrowers not meeting the minimum tradeline requirements. Per guideline, minimum tradeline requirement of 2 open and reporting for 12 months of 1 open reporting for 24 months - Due Diligence Vendor-09/10/2025 |  | Waived-Client Exception granted with Compensating Factors. Exception approval for borrowers not meeting the minimum tradeline requirements. Per guideline, minimum tradeline requirement of 2 open and reporting for 12 months of 1 open reporting for 24 months - Due Diligence Vendor-09/10/2025 | Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.09 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.9 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21 | · Reserves of 16.38 months. <br> · Payment shock of 90.905%. <br> · Current LTV is 5% less than max allowed. <br> · Exceeds minimum FICO by 96 points. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 847415 | xxxxxx | B A | Closed | xxxxxx | 2025-09-10 11:51 | 2025-09-10 11:51 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Client Exception granted with Compensating Factors. Audited DTI of 46.21% exceeds Guideline DTI of 43% - Due Diligence Vendor-09/10/2025 |  | Waived-Client Exception granted with Compensating Factors. Audited DTI of 46.21% exceeds Guideline DTI of 43% - Due Diligence Vendor-09/10/2025 | Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.09 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.9 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21 | · Reserves of 16.38 months. <br> · Payment shock of 90.905%. <br> · Current LTV is 5% less than max allowed. <br> · Exceeds minimum FICO by 96 points. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 847481 | xxxxxx | B A | Closed | xxxxxx | 2025-09-30 13:48 | 2025-09-30 13:48 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client Exception granted with Compensating Factors. Housing History Does Not Meet Guideline Requirements No housing + 85% LTV. - Due Diligence Vendor-09/30/2025 |  | Waived-Client Exception granted with Compensating Factors. Housing History Does Not Meet Guideline Requirements No housing + 85% LTV. - Due Diligence Vendor-09/30/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.36 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.6% 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 764 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points | Reserves exceed requirement by 6 months or more<br> DTI <= 36% which is below requirement in guidelines<br> Credit Score 30+ points > minimum required |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 847494 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 847532 | xxxxxx | D A | Closed | xxxxxx | 2025-09-19 09:47 | 2025-09-23 14:38 | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower 1 YTD Profit & Loss Missing | Resolved-Borrower 1 YTD Profit & Loss Resolved - Due Diligence Vendor-09/23/2025 <br> Ready for Review-Document Uploaded. p & l - Buyer-09/22/2025 <br> Open-Borrower 1 YTD Profit & Loss Missing (per lenders approval loan was locked and approved under P&L program, there is 12 months personal bank statements but not used to qualify as they do not meet requirements / income) - Due Diligence Vendor-09/19/2025 |  | Resolved-Borrower 1 YTD Profit & Loss Resolved - Due Diligence Vendor-09/23/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 49.87 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.53% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.19 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.19 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  | p & l.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 847662 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 847679 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 847694 | xxxxxx | D A | Closed | xxxxxx | 2025-09-19 12:48 | 2025-09-24 13:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-09/24/2025 <br> Ready for Review-Document Uploaded. Please see attached UDN. - Due Diligence Vendor-09/23/2025 <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-09/19/2025 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-09/24/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.92 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.14<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.26% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More |  | Full Review847694_xxxxxx_9_23_2025_xxxxxx_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 847815 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 848040 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 848176 | xxxxxx | C A | Closed | xxxxxx | 2025-09-25 09:44 | 2025-09-26 11:16 | Resolved | 1 - Information C A | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Resolved-Final HUD/SS and Updated CBR supplement provided - tax Lien PIF at closing & xxxxxx has a zero balance. - Due Diligence Vendor-09/26/2025 <br> Ready for Review-Document Uploaded. The tax lien was paid through refi - papers uploaded. the credit refresh shows the xxxxxx was paid. - Buyer-09/25/2025 <br> Open-Delinquent Credit History Does Not Meet Guideline Requirements Borrower has a delinquent tax lien in the amount of xxxxxx and collection with xxxxxx for xxxxxx that are required by lender/per approval/guides to be paid off. CD under doc pg #214 executed and dated by borrower on xxxxxx does reflect these debts being paid off at close. But then the CD was redisclosed under doc pg #220 and that CD executed and dated by borrower xxxxxx does not reflect the required payoffs. Lender needs to verify / support that xxxxxx and Tax Lien for xxxxxx was paid at close cause the final CD does not relfect delinquent debts pd - Due Diligence Vendor-09/25/2025 |  | Resolved-Final HUD/SS and Updated CBR supplement provided - tax Lien PIF at closing & xxxxxx has a zero balance. - Due Diligence Vendor-09/26/2025 | Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.08 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.08 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.17 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.42% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 |  | tax lien paid off.pdf<br> Credit Report refresh xxxxxx paid.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 848254 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 848274 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 848293 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 848312 | xxxxxx | B A | Closed | xxxxxx | 2025-09-15 11:43 | 2025-09-15 11:43 | Waived | 2 - Non-Material B | Credit | Eligibility | Original LTV (OLTV) does not meet eligibility requirement(s) | Waived-Client Exception granted with Compensating Factors. <br> Exception approval for subject property located in a declining market to retain LTV of 70%. Per guideline, an exception will be required with 5-25% reduction to LTV/CLTV for properties located in declining market. <br>- Due Diligence Vendor-09/15/2025 |  | Waived-Client Exception granted with Compensating Factors. <br> Exception approval for subject property located in a declining market to retain LTV of 70%. Per guideline, an exception will be required with 5-25% reduction to LTV/CLTV for properties located in declining market. <br>- Due Diligence Vendor-09/15/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 44.52 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.16<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 759 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 10.77% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More | · Housing ratio of 11.168%.<br> · DTI of 11.303%<br> · Payment shock of 145.581%.<br> · Minimum required reserves exceed 39.13 months.<br> · Borrower exceeds minimum FICO score by 96 points.  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 848312 | xxxxxx | B A | Closed | xxxxxx | 2025-09-15 11:30 | 2025-09-15 11:30 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client Exception granted with Compensating Factors. Audited LTV of 70% exceeds Guideline LTV of 65% Exception approval for subject property located in a declining market to retain LTV of 70%. Per guideline, an exception will be required with 5-25% reduction to LTV/CLTV for properties located in declining market. - Due Diligence Vendor-09/15/2025 |  | Waived-Client Exception granted with Compensating Factors. Audited LTV of 70% exceeds Guideline LTV of 65% Exception approval for subject property located in a declining market to retain LTV of 70%. Per guideline, an exception will be required with 5-25% reduction to LTV/CLTV for properties located in declining market. - Due Diligence Vendor-09/15/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 44.52 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.16<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 759 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 10.77% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More | COMPENSATING FACTORS:<br> · Housing ratio of 11.168%.<br> · DTI of 11.303%<br> · Payment shock of 145.581%.<br> · Minimum required reserves exceed 39.13 months.<br> · Borrower exceeds minimum FICO score by 96 points.  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 848312 | xxxxxx | B A | Closed | xxxxxx | 2025-09-11 14:42 | 2025-09-11 14:42 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client Exception granted with Compensating Factors. Exception approval to use VOR only for primary residence's housing history. Per guideline, if landlord is not servicing minimum 100 accounts, 12 months payment history is required. - Due Diligence Vendor-09/11/2025 |  | Waived-Client Exception granted with Compensating Factors. Exception approval to use VOR only for primary residence's housing history. Per guideline, if landlord is not servicing minimum 100 accounts, 12 months payment history is required. - Due Diligence Vendor-09/11/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 44.52 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.16<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 759 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 10.77% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More | · Housing ratio of 11.168%.<br> · DTI of 11.303%<br> · Payment shock of 145.581%.<br> · Minimum required reserves exceed 39.13 months.<br> · Borrower exceeds minimum FICO score by 96 points. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 848312 | xxxxxx | B A | Closed | xxxxxx | 2025-09-11 14:39 | 2025-09-11 14:39 | Waived | 2 - Non-Material B | Credit | Eligibility | Trade line count does not meet program requirements | Waived-Client Exception granted with Compensating Factors. Exception approval for having no existing tradeline. Borrower only has 1 authorized user account. Minimum tradeline requirements not met. - Due Diligence Vendor-09/11/2025 |  | Waived-Client Exception granted with Compensating Factors. Exception approval for having no existing tradeline. Borrower only has 1 authorized user account. Minimum tradeline requirements not met. - Due Diligence Vendor-09/11/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 44.52 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.16<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 759 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 10.77% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More | · Housing ratio of 11.168%.<br> · DTI of 11.303%<br> · Payment shock of 145.581%.<br> · Minimum required reserves exceed 39.13 months.<br> · Borrower exceeds minimum FICO score by 96 points |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 848312 | xxxxxx | B A | Closed | xxxxxx | 2025-09-11 14:37 | 2025-09-11 14:37 | Waived | 2 - Non-Material B | Credit | Eligibility | Less than 2 Credit Scores Provided for Borrower(s) | Waived-Client Exception granted with Compensating Factors. Exception approval for having one fico score of 759. Per guideline, minimum fico score requirement is two. - Due Diligence Vendor-09/11/2025 |  | Waived-Client Exception granted with Compensating Factors. Exception approval for having one fico score of 759. Per guideline, minimum fico score requirement is two. - Due Diligence Vendor-09/11/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 44.52 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.16<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 759 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 10.77% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More | · Housing ratio of 11.168%.<br> · DTI of 11.303%<br> · Payment shock of 145.581%.<br> · Minimum required reserves exceed 39.13 months.<br> · Borrower exceeds minimum FICO score by 96 points. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 848560 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 848833 | xxxxxx | D A | Closed | xxxxxx | 2025-10-03 14:07 | 2025-10-08 12:00 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 2 CPA Letter Missing | Resolved-Borrower 2 CPA Letter Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-10/08/2025 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-10/07/2025 <br> Ready for Review-See attached docs. The borrowers business is xxxxxx. The business narrative should not be required. - Due Diligence Vendor-10/07/2025 <br> Open-Borrower 2 CPA Letter Missing missing CPA letter for SE business Narrative per guidelines- Expense ratio provided by a 3rd party (CPA, EA, or tax preparer) min ratio of 10%<br> - Due Diligence Vendor-10/03/2025 |  | Resolved-Borrower 2 CPA Letter Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-10/08/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.84% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.92 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.17 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 802 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | Full Review848833_xxxxxx_10_7_2025_xxxxxx_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 848833 | xxxxxx | D A | Closed | xxxxxx | 2025-10-01 16:34 | 2025-10-08 11:56 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-10/07/2025 <br> Ready for Review-Document Uploaded. See attached flood cert - Due Diligence Vendor-10/06/2025 <br> Open-Missing Flood Certificate - Due Diligence Vendor-10/01/2025 |  | Resolved-Flood Certificate is fully present - Due Diligence Vendor-10/07/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.84% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.92 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.17 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 802 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | Full Review848833_xxxxxx_10_6_2025_xxxxxx_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 848833 | xxxxxx | D A | Closed | xxxxxx | 2025-10-01 16:34 | 2025-10-08 11:56 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | HO-6 Insurance Policy is Missing | Resolved-HO-6 Insurance Policy is fully present - Due Diligence Vendor-10/08/2025 <br> Ready for Review-Document Uploaded. See page 2 of this upload - under #6, letter (a) and (b) showing walls-in coverage - Due Diligence Vendor-10/07/2025 <br> Open-HO-6 Insurance Policy is Missing - Due Diligence Vendor-10/03/2025 |  | Resolved-HO-6 Insurance Policy is fully present - Due Diligence Vendor-10/08/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.84% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.92 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.17 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 802 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | Full Review848833_xxxxxx_10_7_2025_xxxxxx_AM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 848833 | xxxxxx | D A | Closed | xxxxxx | 2025-10-03 14:23 | 2025-10-07 08:31 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-per Guidelines: The Seller may submit the appraisal report to xxxxxx® (CU) or Loanxxxxxx® (LCA). An eligible score is 2.5 or less. The file must include a copy of the Submission Summary Report (SSR). Only one score required, if both scores (CU & LCA) provided, both required to be 2.5 or less. - LCA provided score is 1 Eligible. - Due Diligence Vendor-10/07/2025 <br> Ready for Review-Document Uploaded. xxxxxx SSR LCA is 1.0. See attached. - Due Diligence Vendor-10/06/2025 <br> Open-3rd party valuation is missing - Due Diligence Vendor-10/03/2025 |  | Resolved-per Guidelines: The Seller may submit the appraisal report to xxxxxx® (CU) or Loanxxxxxx® (LCA). An eligible score is 2.5 or less. The file must include a copy of the Submission Summary Report (SSR). Only one score required, if both scores (CU & LCA) provided, both required to be 2.5 or less. - LCA provided score is 1 Eligible. - Due Diligence Vendor-10/07/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.84% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.92 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.17 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 802 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | Full Review848833_xxxxxx_10_6_2025_xxxxxx_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 848833 | xxxxxx | D A | Closed | xxxxxx | 2025-10-01 16:32 | 2025-10-07 08:29 | Resolved | 1 - Information D A | Credit | Missing Doc - Property | Purchase Contract is Missing | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-10/07/2025 <br> Ready for Review-Document Uploaded. See attached purchase agreement - Due Diligence Vendor-10/06/2025 <br> Open-Purchase Contract Is Missing - Due Diligence Vendor-10/01/2025 |  | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-10/07/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.84% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.92 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.17 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 802 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | Full Review848833_xxxxxx_10_6_2025_xxxxxx_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 848833 | xxxxxx | D A | Closed | xxxxxx | 2025-10-01 16:36 | 2025-10-07 08:27 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-10/07/2025 <br> Ready for Review-Document Uploaded. See attached fraud report - Due Diligence Vendor-10/06/2025 <br> Open-Missing Third Party Fraud Report - Due Diligence Vendor-10/01/2025 |  | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-10/07/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.84% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.92 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.17 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 802 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | Full Review848833_xxxxxx_10_6_2025_xxxxxx_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 848895 | xxxxxx | D A | Closed | xxxxxx | 2025-09-23 14:29 | 2025-09-29 12:17 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-09/29/2025 <br> Ready for Review-Document Uploaded. See attached Fraud Report with cleared alerts. - Due Diligence Vendor-09/26/2025 <br> Open-Missing Third Party Fraud Report - Due Diligence Vendor-09/23/2025 |  | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-09/29/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.51 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 25 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 29 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 719 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.63% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Full Review848895_xxxxxx_9_26_2025_xxxxxx_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 848895 | xxxxxx | D A | Closed | xxxxxx | 2025-09-23 14:48 | 2025-09-29 12:16 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-09/29/2025 <br> Ready for Review-Document Uploaded. See attached VVOE from CPA - Due Diligence Vendor-09/26/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing 3rd Party VOE Prior to Close - Due Diligence Vendor-09/23/2025 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-09/29/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.51 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 25 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 29 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 719 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.63% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Full Review848895_xxxxxx_9_26_2025_xxxxxx_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 848895 | xxxxxx | D A | Closed | xxxxxx | 2025-09-23 14:48 | 2025-09-29 12:16 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-09/29/2025 <br> Ready for Review-Document Uploaded. See attached CPA letter - Due Diligence Vendor-09/26/2025 <br> Open-Borrower 1 CPA Letter Missing Missing CPA Letter - Due Diligence Vendor-09/23/2025 |  | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-09/29/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.51 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 25 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 29 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 719 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.63% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Full Review848895_xxxxxx_9_26_2025_xxxxxx_PM.zip | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849186 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 849189 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |

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## Exhibit 99.11

**EXHIBIT 99.11**

**Canopy Rating Agency Grades**

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| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 835354 | xxxxxx |  | xxxxxx C A B |
| 844160 | xxxxxx |  | xxxxxx B A D |
| 841848 | xxxxxx |  | xxxxxx B A |
| 843500 | xxxxxx |  | xxxxxx D A B |
| 843499 | xxxxxx |  | xxxxxx C A B |
| 843491 | xxxxxx |  | xxxxxx B A |
| 843497 | xxxxxx |  | xxxxxx C A B |
| 845918 | xxxxxx |  | xxxxxx A |
| 845939 | xxxxxx |  | xxxxxx A |
| 839996 | xxxxxx |  | xxxxxx A D |
| 840946 | xxxxxx |  | xxxxxx A |
| 842566 | xxxxxx |  | xxxxxx B A C |
| 842309 | xxxxxx |  | xxxxxx C A |
| 842658 | xxxxxx |  | xxxxxx A D |
| 840883 | xxxxxx |  | xxxxxx A |
| 840781 | xxxxxx |  | xxxxxx D A C |
| 840783 | xxxxxx |  | xxxxxx D A |
| 843596 | xxxxxx |  | xxxxxx B A |
| 842952 | xxxxxx |  | xxxxxx A |
| 842739 | xxxxxx |  | xxxxxx A |
| 845938 | xxxxxx |  | xxxxxx A |
| 842750 | xxxxxx |  | xxxxxx A |
| 843539 | xxxxxx |  | xxxxxx D A |
| 843413 | xxxxxx |  | xxxxxx A |
| 841946 | xxxxxx |  | xxxxxx B A |
| 843912 | xxxxxx |  | xxxxxx C A B |
| 844157 | xxxxxx |  | xxxxxx B A |
| 842811 | xxxxxx |  | xxxxxx A |
| 848560 | xxxxxx |  | xxxxxx A |
| 842737 | xxxxxx |  | xxxxxx A |
| 842713 | xxxxxx |  | xxxxxx A |
| 840786 | xxxxxx |  | xxxxxx A D |
| 841258 | xxxxxx |  | xxxxxx A |
| 842706 | xxxxxx |  | xxxxxx A |
| 843020 | xxxxxx |  | xxxxxx A |
| 843525 | xxxxxx |  | xxxxxx B A |
| 844153 | xxxxxx |  | xxxxxx B A |
| 844155 | xxxxxx |  | xxxxxx B A |
| 843138 | xxxxxx |  | xxxxxx A |
| 842911 | xxxxxx |  | xxxxxx A |
| 842777 | xxxxxx |  | xxxxxx A |
| 845910 | xxxxxx |  | xxxxxx B A |
| 845929 | xxxxxx |  | xxxxxx D A |
| 842975 | xxxxxx |  | xxxxxx C A |
| 840935 | xxxxxx |  | xxxxxx B A |
| 840894 | xxxxxx |  | xxxxxx D A |
| 844018 | xxxxxx |  | xxxxxx A |
| 828834 | xxxxxx |  | xxxxxx A D |
| 843777 | xxxxxx |  | xxxxxx A |
| 843773 | xxxxxx |  | xxxxxx A |
| 840949 | xxxxxx |  | xxxxxx A D |
| 844950 | xxxxxx |  | xxxxxx D A B |
| 843961 | xxxxxx |  | xxxxxx A |
| 845899 | xxxxxx |  | xxxxxx B A |
| 845941 | xxxxxx |  | xxxxxx C D A B |
| 845930 | xxxxxx |  | xxxxxx D A |
| 845923 | xxxxxx |  | xxxxxx A |
| 842773 | xxxxxx |  | xxxxxx A |
| 842776 | xxxxxx |  | xxxxxx D A |
| 842995 | xxxxxx |  | xxxxxx A |
| 843628 | xxxxxx |  | xxxxxx C A |
| 844952 | xxxxxx |  | xxxxxx D A B |
| 838699 | xxxxxx |  | xxxxxx D A |
| 844165 | xxxxxx |  | xxxxxx A |
| 842815 | xxxxxx |  | xxxxxx A |
| 842605 | xxxxxx |  | xxxxxx D A |
| 841994 | xxxxxx |  | xxxxxx D A |
| 843859 | xxxxxx |  | xxxxxx D A B |
| 842774 | xxxxxx |  | xxxxxx A |
| 844366 | xxxxxx |  | xxxxxx A |
| 845901 | xxxxxx |  | xxxxxx D A |
| 844377 | xxxxxx |  | xxxxxx A |
| 844052 | xxxxxx |  | xxxxxx A |
| 841206 | xxxxxx |  | xxxxxx A |
| 843806 | xxxxxx |  | xxxxxx A |
| 840830 | xxxxxx |  | xxxxxx A |
| 844758 | xxxxxx |  | xxxxxx D A B |
| 844753 | xxxxxx |  | xxxxxx D C A |
| 844751 | xxxxxx |  | xxxxxx D A |
| 844741 | xxxxxx |  | xxxxxx D C A |
| 844739 | xxxxxx |  | xxxxxx D A |
| 844736 | xxxxxx |  | xxxxxx D A C B |
| 844731 | xxxxxx |  | xxxxxx D A |
| 844728 | xxxxxx |  | xxxxxx D A |
| 844726 | xxxxxx |  | xxxxxx D A B |
| 844725 | xxxxxx |  | xxxxxx D A B |
| 844724 | xxxxxx |  | xxxxxx D A |
| 844723 | xxxxxx |  | xxxxxx D A |
| 844719 | xxxxxx |  | xxxxxx D A |
| 844717 | xxxxxx |  | xxxxxx D A |
| 844759 | xxxxxx |  | xxxxxx D A |
| 844757 | xxxxxx |  | xxxxxx D A |
| 844756 | xxxxxx |  | xxxxxx A C |
| 844750 | xxxxxx |  | xxxxxx A D C |
| 844738 | xxxxxx |  | xxxxxx D A B |
| 844734 | xxxxxx |  | xxxxxx D C A |
| 844733 | xxxxxx |  | xxxxxx D A C |
| 844732 | xxxxxx |  | xxxxxx D A |
| 844729 | xxxxxx |  | xxxxxx D A |
| 844727 | xxxxxx |  | xxxxxx D A C |
| 844722 | xxxxxx |  | xxxxxx D A B |
| 844718 | xxxxxx |  | xxxxxx D A |
| 843430 | xxxxxx |  | xxxxxx A |
| 843879 | xxxxxx |  | xxxxxx A |
| 845722 | xxxxxx |  | xxxxxx A |
| 844254 | xxxxxx |  | xxxxxx A |
| 843849 | xxxxxx |  | xxxxxx A |
| 843629 | xxxxxx |  | xxxxxx D A |
| 843957 | xxxxxx |  | xxxxxx B A |
| 849189 | xxxxxx |  | xxxxxx A |
| 846695 | xxxxxx |  | xxxxxx B A C |
| 846693 | xxxxxx |  | xxxxxx A |
| 844663 | xxxxxx |  | xxxxxx C D A |
| 844582 | xxxxxx |  | xxxxxx A |
| 846692 | xxxxxx |  | xxxxxx B A |
| 846700 | xxxxxx |  | xxxxxx C A D B |
| 849186 | xxxxxx |  | xxxxxx A |
| 845443 | xxxxxx |  | xxxxxx D A |
| 843899 | xxxxxx |  | xxxxxx C A |
| 844316 | xxxxxx |  | xxxxxx A |
| 846696 | xxxxxx |  | xxxxxx D A B |
| 843968 | xxxxxx |  | xxxxxx A |
| 842835 | xxxxxx |  | xxxxxx A |
| 845947 | xxxxxx |  | xxxxxx A |
| 844870 | xxxxxx |  | xxxxxx A |
| 846835 | xxxxxx |  | xxxxxx A |
| 839635 | xxxxxx |  | xxxxxx A |
| 846119 | xxxxxx |  | xxxxxx A |
| 844832 | xxxxxx |  | xxxxxx B A |
| 847414 | xxxxxx |  | xxxxxx B A |
| 846380 | xxxxxx |  | xxxxxx A |
| 846120 | xxxxxx |  | xxxxxx A C |
| 845226 | xxxxxx |  | xxxxxx A |
| 841013 | xxxxxx |  | xxxxxx B A |
| 844073 | xxxxxx |  | xxxxxx B A |
| 844627 | xxxxxx |  | xxxxxx B A |
| 846506 | xxxxxx |  | xxxxxx A |
| 845466 | xxxxxx |  | xxxxxx A |
| 844378 | xxxxxx |  | xxxxxx A |
| 844417 | xxxxxx |  | xxxxxx A |
| 847277 | xxxxxx |  | xxxxxx C A |
| 843756 | xxxxxx |  | xxxxxx A C |
| 846147 | xxxxxx |  | xxxxxx D A |
| 845720 | xxxxxx |  | xxxxxx D A |
| 844864 | xxxxxx |  | xxxxxx D A B |
| 845224 | xxxxxx |  | xxxxxx A |
| 844975 | xxxxxx |  | xxxxxx A |
| 844338 | xxxxxx |  | xxxxxx A |
| 843787 | xxxxxx |  | xxxxxx A |
| 847413 | xxxxxx |  | xxxxxx B A |
| 846500 | xxxxxx |  | xxxxxx A |
| 845887 | xxxxxx |  | xxxxxx A |
| 843516 | xxxxxx |  | xxxxxx D A |
| 846694 | xxxxxx |  | xxxxxx B A |
| 845724 | xxxxxx |  | xxxxxx C A |
| 846850 | xxxxxx |  | xxxxxx A |
| 847179 | xxxxxx |  | xxxxxx D A |
| 846179 | xxxxxx |  | xxxxxx A D |
| 843897 | xxxxxx |  | xxxxxx B A |
| 846472 | xxxxxx |  | xxxxxx A |
| 846683 | xxxxxx |  | xxxxxx A |
| 819340 | xxxxxx |  | xxxxxx A |
| 844998 | xxxxxx |  | xxxxxx A |
| 847662 | xxxxxx |  | xxxxxx A |
| 845597 | xxxxxx |  | xxxxxx A |
| 844082 | xxxxxx |  | xxxxxx A |
| 845984 | xxxxxx |  | xxxxxx A |
| 846254 | xxxxxx |  | xxxxxx A |
| 842608 | xxxxxx |  | xxxxxx D A B |
| 845194 | xxxxxx |  | xxxxxx D A |
| 845725 | xxxxxx |  | xxxxxx D A |
| 846709 | xxxxxx |  | xxxxxx A |
| 845291 | xxxxxx |  | xxxxxx D A |
| 844072 | xxxxxx |  | xxxxxx A C |
| 847415 | xxxxxx |  | xxxxxx B A |
| 848312 | xxxxxx |  | xxxxxx B A |
| 846756 | xxxxxx |  | xxxxxx A |
| 847191 | xxxxxx |  | xxxxxx D A |
| 847184 | xxxxxx |  | xxxxxx D C A |
| 847181 | xxxxxx |  | xxxxxx C A |
| 846667 | xxxxxx |  | xxxxxx A C D |
| 844068 | xxxxxx |  | xxxxxx B A |
| 846944 | xxxxxx |  | xxxxxx A |
| 845425 | xxxxxx |  | xxxxxx C A |
| 846140 | xxxxxx |  | xxxxxx C A B |
| 845804 | xxxxxx |  | xxxxxx B A |
| 847494 | xxxxxx |  | xxxxxx A |
| 848293 | xxxxxx |  | xxxxxx A |
| 846277 | xxxxxx |  | xxxxxx A |
| 844380 | xxxxxx |  | xxxxxx D A |
| 846187 | xxxxxx |  | xxxxxx D A |
| 846547 | xxxxxx |  | xxxxxx A |
| 842623 | xxxxxx |  | xxxxxx A |
| 844620 | xxxxxx |  | xxxxxx A |
| 846517 | xxxxxx |  | xxxxxx A |
| 840930 | xxxxxx |  | xxxxxx D C A B |
| 846424 | xxxxxx |  | xxxxxx A |
| 847694 | xxxxxx |  | xxxxxx D A |
| 840301 | xxxxxx |  | xxxxxx D A |
| 847815 | xxxxxx |  | xxxxxx A |
| 846787 | xxxxxx |  | xxxxxx A |
| 847532 | xxxxxx |  | xxxxxx D A |
| 844703 | xxxxxx |  | xxxxxx A |
| 847362 | xxxxxx |  | xxxxxx D A |
| 848895 | xxxxxx |  | xxxxxx D A |
| 846882 | xxxxxx |  | xxxxxx A |
| 844076 | xxxxxx |  | xxxxxx A |
| 848040 | xxxxxx |  | xxxxxx A |
| 848176 | xxxxxx |  | xxxxxx C A |
| 847370 | xxxxxx |  | xxxxxx D B A |
| 848274 | xxxxxx |  | xxxxxx A |
| 847196 | xxxxxx |  | xxxxxx D A |
| 848254 | xxxxxx |  | xxxxxx A |
| 846727 | xxxxxx |  | xxxxxx A |
| 844336 | xxxxxx |  | xxxxxx D A |
| 847679 | xxxxxx |  | xxxxxx A |
| 847372 | xxxxxx |  | xxxxxx A |
| 847481 | xxxxxx |  | xxxxxx B A |
| 846103 | xxxxxx |  | xxxxxx D A |
| 846371 | xxxxxx |  | xxxxxx A |
| 848833 | xxxxxx |  | xxxxxx D A |
| 846875 | xxxxxx |  | xxxxxx D A |
| 824734 | xxxxxx |  | xxxxxx A |

---

## Exhibit 99.12

**EXHIBIT 99.12**

**Canopy Data Compare**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** |
| 844832 | xxxxxx |  | Amortization Term | 480 | 360 |
| 846147 | xxxxxx |  | Amortization Term | 360 | 240 |
| 848895 | xxxxxx |  | Amortization Term | 360 | 240 |
| 842605 | xxxxxx |  | Borrower 1 FTHB | true | false |
| 845720 | xxxxxx |  | Borrower 1 FTHB | false | true |
| 846944 | xxxxxx |  | Borrower 1 FTHB | true | false |
| 847370 | xxxxxx |  | Borrower 1 FTHB | false | true |
| 847196 | xxxxxx |  | Borrower 1 FTHB | true | false |
| 848254 | xxxxxx |  | Borrower 1 FTHB | false | true |
| 846103 | xxxxxx |  | Borrower 1 FTHB | true | false |
| 842773 | xxxxxx |  | Borrower 1 Last Name | xxxxxx | xxxxxx |
| 844336 | xxxxxx |  | Borrower 1 Last Name | xxxxxx | xxxxxx |
| 841848 | xxxxxx |  | Borrower 1 Self-Employment Flag | Yes | No |
| 846882 | xxxxxx |  | Borrower 1 SSN | xxxxxx | xxxxxx |
| 842713 | xxxxxx |  | Calculated DSCR | 1.028 | 1.049 |
| 840781 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 840783 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 840786 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 840935 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 843961 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 843628 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 842774 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 844052 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 841206 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 843849 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 843787 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 846179 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 846547 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 842623 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 844703 | xxxxxx |  | First Payment Date | xxxxxx | xxxxxx |
| 842623 | xxxxxx |  | Interest Rate | 8.125 | 8.5 |
| 844758 | xxxxxx |  | Loan Purpose | Construction-Perm | Purchase |
| 844741 | xxxxxx |  | Loan Purpose | Construction-Perm | Purchase |
| 844739 | xxxxxx |  | Loan Purpose | Construction-Perm | Purchase |
| 844731 | xxxxxx |  | Loan Purpose | Construction-Perm | Purchase |
| 844726 | xxxxxx |  | Loan Purpose | Construction-Perm | Purchase |
| 844725 | xxxxxx |  | Loan Purpose | Construction-Perm | Purchase |
| 844724 | xxxxxx |  | Loan Purpose | Construction-Perm | Purchase |
| 844723 | xxxxxx |  | Loan Purpose | Construction-Perm | Purchase |
| 844719 | xxxxxx |  | Loan Purpose | Construction-Perm | Purchase |
| 844757 | xxxxxx |  | Loan Purpose | Construction-Perm | Purchase |
| 844738 | xxxxxx |  | Loan Purpose | Construction-Perm | Purchase |
| 844734 | xxxxxx |  | Loan Purpose | Construction-Perm | Purchase |
| 844733 | xxxxxx |  | Loan Purpose | Construction-Perm | Purchase |
| 844732 | xxxxxx |  | Loan Purpose | Construction-Perm | Purchase |
| 844727 | xxxxxx |  | Loan Purpose | Construction-Perm | Purchase |
| 844722 | xxxxxx |  | Loan Purpose | Construction-Perm | Purchase |
| 844718 | xxxxxx |  | Loan Purpose | Construction-Perm | Purchase |
| 844731 | xxxxxx |  | Occupancy | Second Home | Primary Residence |
| 844975 | xxxxxx |  | Originator Doc Type | 12 Month Bank Statement | Second |
| 845425 | xxxxxx |  | Originator Doc Type | 2YR Full Doc | Second |
| 844620 | xxxxxx |  | Originator Doc Type | 12 Month Bank Statement | Second |
| 846517 | xxxxxx |  | Originator Doc Type | 12 Month Bank Statement | Second |
| 844160 | xxxxxx |  | Prepayment Penalty Total Term | 36 | 0 |
| 841848 | xxxxxx |  | Prepayment Penalty Total Term | 36 | 0 |
| 843500 | xxxxxx |  | Prepayment Penalty Total Term | 36 | 0 |
| 843499 | xxxxxx |  | Prepayment Penalty Total Term | 36 | 0 |
| 843491 | xxxxxx |  | Prepayment Penalty Total Term | 60 | 0 |
| 843497 | xxxxxx |  | Prepayment Penalty Total Term | 36 | 0 |
| 844157 | xxxxxx |  | Prepayment Penalty Total Term | 36 | 0 |
| 844153 | xxxxxx |  | Prepayment Penalty Total Term | 12 | 0 |
| 844155 | xxxxxx |  | Prepayment Penalty Total Term | 60 | 0 |
| 844950 | xxxxxx |  | Prepayment Penalty Total Term | 36 | 0 |
| 844952 | xxxxxx |  | Prepayment Penalty Total Term | 36 | 0 |
| 846700 | xxxxxx |  | Prepayment Penalty Total Term | 60 | 0 |
| 846696 | xxxxxx |  | Prepayment Penalty Total Term | 60 | 0 |
| 842623 | xxxxxx |  | Prepayment Penalty Total Term | 0 | 36 |
| 840883 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 840781 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 840783 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 840786 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 842773 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 843859 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 843879 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 844832 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 843897 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 846277 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 840301 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 844703 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 846882 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 844076 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 846103 | xxxxxx |  | Primary Appraised Property Value | xxxxxx | xxxxxx |
| 844068 | xxxxxx |  | Property Address | xxxxxx | xxxxxx |
| 843879 | xxxxxx |  | Property City | xxxxxx | xxxxxx |
| 844378 | xxxxxx |  | Property City | xxxxxx | xxxxxx |
| 840301 | xxxxxx |  | Property City | xxxxxx | xxxxxx |
| 843500 | xxxxxx |  | Property Type | Two to Four Unit | Single Family Detached |
| 845939 | xxxxxx |  | Property Type | Two to Four Unit | Units |
| 842566 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 840781 | xxxxxx |  | Property Type | PUD | Single Family Attached |
| 840783 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 843539 | xxxxxx |  | Property Type | 5-10 Unit Multi-Family | Detached |
| 843413 | xxxxxx |  | Property Type | Single Family Detached | PUD |
| 842811 | xxxxxx |  | Property Type | Single Family Detached | Single Family Attached |
| 840786 | xxxxxx |  | Property Type | PUD | Single Family Attached |
| 841258 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 844153 | xxxxxx |  | Property Type | Two to Four Unit | Single Family Detached |
| 842911 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 845910 | xxxxxx |  | Property Type | Two to Four Unit | Units |
| 843961 | xxxxxx |  | Property Type | Condominium | Condotel |
| 842815 | xxxxxx |  | Property Type | Townhouse | Single Family Attached |
| 844377 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 843879 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 843849 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 843629 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 846696 | xxxxxx |  | Property Type | 5-10 Unit Multi-Family | Single Family Attached |
| 842835 | xxxxxx |  | Property Type | 5-10 Unit Multi-Family | Detached |
| 839635 | xxxxxx |  | Property Type | Single Family Detached | Single Family Attached |
| 845466 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 846147 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 845224 | xxxxxx |  | Property Type | Townhouse | Detached |
| 844975 | xxxxxx |  | Property Type | Townhouse | PUD |
| 846179 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 846683 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 819340 | xxxxxx |  | Property Type | PUD | Single Family Attached |
| 847662 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 844082 | xxxxxx |  | Property Type | Condominium | Single Family Detached |
| 845194 | xxxxxx |  | Property Type | Condominium | Single Family Detached |
| 848293 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 846547 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 844620 | xxxxxx |  | Property Type | Single Family Detached | PUD |
| 846787 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 847532 | xxxxxx |  | Property Type | Two to Four Unit | Detached |
| 844703 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 847370 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 847679 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 846103 | xxxxxx |  | Property Type | PUD | Single Family Detached |
| 840883 | xxxxxx |  | Qualifying CLTV | 40 | 46.15385 |
| 840781 | xxxxxx |  | Qualifying CLTV | 70 | 65.85106 |
| 840783 | xxxxxx |  | Qualifying CLTV | 70 | 65.85106 |
| 840786 | xxxxxx |  | Qualifying CLTV | 70 | 65.85106 |
| 847181 | xxxxxx |  | Qualifying CLTV | 79.35 | 78.19344 |
| 846695 | xxxxxx |  | Qualifying FICO | 755 | 759 |
| 839635 | xxxxxx |  | Qualifying FICO | 794 | 793 |
| 844073 | xxxxxx |  | Qualifying FICO | 791 | 746 |
| 844627 | xxxxxx |  | Qualifying FICO | 820 | 810 |
| 844072 | xxxxxx |  | Qualifying FICO | 720 | 719 |
| 844068 | xxxxxx |  | Qualifying FICO | 696 | 697 |
| 840781 | xxxxxx |  | Qualifying Loan Amount | xxxxxx | xxxxxx |
| 840783 | xxxxxx |  | Qualifying Loan Amount | xxxxxx | xxxxxx |
| 840786 | xxxxxx |  | Qualifying Loan Amount | xxxxxx | xxxxxx |
| 844703 | xxxxxx |  | Qualifying Loan Amount | xxxxxx | xxxxxx |
| 846103 | xxxxxx |  | Qualifying Loan Amount | xxxxxx | xxxxxx |
| 840883 | xxxxxx |  | Qualifying LTV | 40 | 46.15385 |
| 840781 | xxxxxx |  | Qualifying LTV | 70 | 65.85106 |
| 840783 | xxxxxx |  | Qualifying LTV | 70 | 65.85106 |
| 840786 | xxxxxx |  | Qualifying LTV | 70 | 65.85106 |
| 835354 | xxxxxx |  | Qualifying Total Debt Income Ratio | 24.03 | 17.675 |
| 844950 | xxxxxx |  | Qualifying Total Debt Income Ratio | 52.15 | 43.738 |
| 844832 | xxxxxx |  | Qualifying Total Debt Income Ratio | 49.4 | 3 |
| 846120 | xxxxxx |  | Qualifying Total Debt Income Ratio | 34.9 | 41 |
| 844073 | xxxxxx |  | Qualifying Total Debt Income Ratio | 38.4 | 6 |
| 845466 | xxxxxx |  | Qualifying Total Debt Income Ratio | 39.1 | 32.421 |
| 844378 | xxxxxx |  | Qualifying Total Debt Income Ratio | 15.34 | 42.8 |
| 843516 | xxxxxx |  | Qualifying Total Debt Income Ratio | 33.69 | 31.584 |
| 843897 | xxxxxx |  | Qualifying Total Debt Income Ratio | 33.33 | 35.8 |
| 844998 | xxxxxx |  | Qualifying Total Debt Income Ratio | 27.08 | 39.7 |
| 844072 | xxxxxx |  | Qualifying Total Debt Income Ratio | 36.34 | 27 |
| 846667 | xxxxxx |  | Qualifying Total Debt Income Ratio | 48.91 | 22.4 |
| 844068 | xxxxxx |  | Qualifying Total Debt Income Ratio | 21.04 | 6 |
| 845804 | xxxxxx |  | Qualifying Total Debt Income Ratio | 40.54 | 44.6 |
| 842623 | xxxxxx |  | Qualifying Total Debt Income Ratio | 49.83 | 41 |
| 846517 | xxxxxx |  | Qualifying Total Debt Income Ratio | 42.67 | 44.82 |
| 846787 | xxxxxx |  | Qualifying Total Debt Income Ratio | 18.77 | 6.451 |
| 847362 | xxxxxx |  | Qualifying Total Debt Income Ratio | 12.44 | 20 |
| 847481 | xxxxxx |  | Qualifying Total Debt Income Ratio | 30.6 | 27.5 |
| 846875 | xxxxxx |  | Qualifying Total Debt Income Ratio | 24.2 | 50 |
| 824734 | xxxxxx |  | Qualifying Total Debt Income Ratio | 12.17 | 10.963 |
| 840783 | xxxxxx |  | Refinance Type | No Cash Out - Borrower Initiated | Cash Out - Other |
| 840786 | xxxxxx |  | Refinance Type | No Cash Out - Borrower Initiated | Cash Out - Other |
| 839635 | xxxxxx |  | Refinance Type | No Cash Out - Borrower Initiated | Cash Out - Other |
| 847679 | xxxxxx |  | Refinance Type | Cash Out - Other | No Cash Out - Borrower Initiated |
| 842773 | xxxxxx |  | Sales Price | xxxxxx | xxxxxx |
| 840301 | xxxxxx |  | Sales Price | xxxxxx | xxxxxx |
| 844703 | xxxxxx |  | Sales Price | xxxxxx | xxxxxx |
| 846103 | xxxxxx |  | Sales Price | xxxxxx | xxxxxx |

---

## Exhibit 99.13

**EXHIBIT 99.13**

**Canopy ATR QM Report**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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?** |
| 835354 |  | xxxxxx | xxxxxx | 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 | No | 19035 | 9.512 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 35978.2 | Yes | Employed |  | No |  | No |  |
| 844160 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 841848 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 843500 |  | xxxxxx | xxxxxx | 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 |
| 843499 |  | xxxxxx | xxxxxx | 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 |
| 843491 |  | xxxxxx | xxxxxx | 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 |
| 843497 |  | xxxxxx | xxxxxx | 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 |
| 845918 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 845939 |  | xxxxxx | xxxxxx | 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 |
| 839996 |  | xxxxxx | xxxxxx | 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 |
| 840946 |  | xxxxxx | xxxxxx | 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 |
| 842566 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | 0 |  |  |  | No |  | Yes | Present |
| 842309 |  | xxxxxx | xxxxxx | 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 | No | Yes | Present |
| 842658 |  | xxxxxx | xxxxxx | 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 |
| 840883 |  | xxxxxx | xxxxxx | 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 |
| 840781 |  | xxxxxx | xxxxxx | 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 |
| 840783 |  | xxxxxx | xxxxxx | 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 |
| 843596 |  | xxxxxx | xxxxxx | 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 | Yes | Present |
| 842952 |  | xxxxxx | xxxxxx | 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 |
| 842739 |  | xxxxxx | xxxxxx | 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 | No | Yes | Present |
| 845938 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 8295 | 7.136 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9628.1 | Yes | Employed |  | No |  | No |  |
| 842750 |  | xxxxxx | xxxxxx | 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 |
| 843539 |  | xxxxxx | xxxxxx | 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 | No | Yes | Present |
| 843413 |  | xxxxxx | xxxxxx | 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 |
| 841946 |  | xxxxxx | xxxxxx | 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 | No | Yes | Present |
| 843912 |  | xxxxxx | xxxxxx | 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 | No | Yes | Present |
| 844157 |  | xxxxxx | xxxxxx | 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 |
| 842811 |  | xxxxxx | xxxxxx | 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 | No | Yes | Present |
| 848560 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | Yes | No | No | No | No | No | 17923 | 8.13 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7962.29 | Yes | Employed |  | No |  | No |  |
| 842737 |  | xxxxxx | xxxxxx | 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 |
| 842713 |  | xxxxxx | xxxxxx | 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 |
| 840786 |  | xxxxxx | xxxxxx | 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 |
| 841258 |  | xxxxxx | xxxxxx | 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 |
| 842706 |  | xxxxxx | xxxxxx | 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 |
| 843020 |  | xxxxxx | xxxxxx | 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 | No | Yes | Present |
| 843525 |  | xxxxxx | xxxxxx | 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 |
| 844153 |  | xxxxxx | xxxxxx | 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 |
| 844155 |  | xxxxxx | xxxxxx | 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 |
| 843138 |  | xxxxxx | xxxxxx | 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 |
| 842911 |  | xxxxxx | xxxxxx | 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 | No | Yes | Present |
| 842777 |  | xxxxxx | xxxxxx | 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 |
| 845910 |  | xxxxxx | xxxxxx | 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 |
| 845929 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 8540 | 6.933 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 8624.8 | N/A | Employed | Employed | No | No | No |  |
| 842975 |  | xxxxxx | xxxxxx | 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 |
| 840935 |  | xxxxxx | xxxxxx | 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 |
| 840894 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | 0 |  |  |  | No |  | Yes | Present |
| 844018 |  | xxxxxx | xxxxxx | 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 | No | Yes | Present |
| 828834 |  | xxxxxx | xxxxxx | 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 |
| 843777 |  | xxxxxx | xxxxxx | 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 |
| 843773 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | 0 |  |  |  | No |  | Yes | Present |
| 840949 |  | xxxxxx | xxxxxx | 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 |
| 844950 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 15114.62 | N/A | Employed |  | No |  | Yes | Present |
| 843961 |  | xxxxxx | xxxxxx | 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 |
| 845899 |  | xxxxxx | xxxxxx | 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 |
| 845941 |  | xxxxxx | xxxxxx | 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 | 7632.92 | 11.38 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5094.26 | Yes | Employed | Employed | No | No | No |  |
| 845930 |  | xxxxxx | xxxxxx | 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 | 573717.66 | N/A | Employed | Employed | No | No | Yes | Present |
| 845923 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 12410 | 8.023 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12920.34 | Yes | Employed |  | No |  | No |  |
| 842773 |  | xxxxxx | xxxxxx | 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 |
| 842776 |  | xxxxxx | xxxxxx | 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 |
| 842995 |  | xxxxxx | xxxxxx | 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 |
| 843628 |  | xxxxxx | xxxxxx | 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 |
| 844952 |  | xxxxxx | xxxxxx | 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 | 74896.32 | N/A | Employed | Employed | No | No | Yes | Present |
| 838699 |  | xxxxxx | xxxxxx | 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 |
| 844165 |  | xxxxxx | xxxxxx | 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 | No | Yes | Present |
| 842815 |  | xxxxxx | xxxxxx | 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 |
| 842605 |  | xxxxxx | xxxxxx | 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 | No | 10940 | 9.849 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 66140.14 | Yes | Employed |  | No |  | No |  |
| 841994 |  | xxxxxx | xxxxxx | 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 |
| 843859 |  | xxxxxx | xxxxxx | 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 |
| 842774 |  | xxxxxx | xxxxxx | 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 |
| 844366 |  | xxxxxx | xxxxxx | 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 |
| 845901 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 7790 | 6.945 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18401.5 | Yes | Employed |  | No |  | No |  |
| 844377 |  | xxxxxx | xxxxxx | 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 |
| 844052 |  | xxxxxx | xxxxxx | 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 |
| 841206 |  | xxxxxx | xxxxxx | 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 |
| 843806 |  | xxxxxx | xxxxxx | 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 |
| 840830 |  | xxxxxx | xxxxxx | 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 |
| 844758 |  | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 4090 | 6.902 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 9397.48 | N/A | Employed | Not Employed | No | No | No |  |
| 844753 |  | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1445 | 7.114 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 38398.95 | N/A | Employed | Employed | No | No | No |  |
| 844751 |  | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1445 | 8.139 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 33155.31 | N/A | Employed | Employed | No | No | No |  |
| 844741 |  | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 8140 | 8.456 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 14643.34 | N/A | Employed | Employed | No | No | No |  |
| 844739 |  | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 11245 | 7.39 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 11791 | N/A | Employed | Not Employed | No | No | No |  |
| 844736 |  | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 1445 | 7.712 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 20777.76 | N/A | Employed |  | No |  | No |  |
| 844731 |  | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 6570 | 7.541 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 37261.66 | N/A | Employed |  | No |  | No |  |
| 844728 |  | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1195 | 6.866 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9712.58 | N/A | Retired |  | No |  | No |  |
| 844726 |  | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 5982 | 6.636 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 7976.05 | N/A | Employed |  | No |  | No |  |
| 844725 |  | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 4695 | 6.093 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 7408.11 | N/A | Employed | Employed | No | No | No |  |
| 844724 |  | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | Yes | No | No | No | No | No | No | No | No | No | No | 6220 | 5.701 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 20158.05 | N/A | Employed | Not Employed | No | No | No |  |
| 844723 |  | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | Yes | No | No | No | No | No | No | No | No | No | No | 5070 | 6.321 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 13770.65 | N/A | Retired | Retired | No | No | No |  |
| 844719 |  | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 18445 | 7.525 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 22496.2 | N/A | Employed |  | No |  | No |  |
| 844717 |  | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1445 | 7.334 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 23108.2 | N/A | Employed | Employed | No | No | No |  |
| 844759 |  | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1445 | 7.725 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 29286.65 | N/A | Employed |  | No |  | No |  |
| 844757 |  | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 3370 | 6.155 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 7945.63 | N/A | Retired | Retired | No | No | No |  |
| 844756 |  | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1445 | 7.035 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 68271.46 | N/A | Employed |  | No |  | No |  |
| 844750 |  | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1445 | 7.09 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 26871.27 | N/A | Employed |  | No |  | No |  |
| 844738 |  | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 13445 | 8.196 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 17639 | N/A | Employed | Employed | No | No | No |  |
| 844734 |  | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 15735 | 8.244 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 24510.52 | N/A | Employed | Employed | No | No | No |  |
| 844733 |  | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 12945 | 7.133 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 21085.49 | N/A | Employed | Employed | No | No | No |  |
| 844732 |  | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 23255.31 | 7.325 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 52411.63 | N/A | Not Employed | Employed | No | No | No |  |
| 844729 |  | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1195 | 6.568 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 24079.84 | N/A | Employed | Employed | No | No | No |  |
| 844727 |  | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | Yes | No | Yes | No | No | No | No | No | No | No | No | 5232.03 | 8.462 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 11827.17 | N/A | Employed | Employed | No | No | No |  |
| 844722 |  | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 4355 | 6.833 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 6311.74 | N/A | Employed |  | No |  | No |  |
| 844718 |  | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 15070 | 8.558 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 18863.01 | N/A | Employed | Not Employed | No | No | No |  |
| 843430 |  | xxxxxx | xxxxxx | 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 | 20688.33 | 10.007 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 48501.35 | Yes | Employed |  | No |  | No |  |
| 843879 |  | xxxxxx | xxxxxx | 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 | Yes | Present |
| 845722 |  | xxxxxx | xxxxxx | 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 |
| 844254 |  | xxxxxx | xxxxxx | 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 | 12160.81 | N/A | Employed |  | No |  | Yes | Present |
| 843849 |  | xxxxxx | xxxxxx | 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 |
| 843629 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 14000 | 7.582 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22682.21 | Yes | Employed |  | No |  | No |  |
| 843957 |  | xxxxxx | xxxxxx | 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 |
| 849189 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 2720 | 7.056 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 7686.18 | N/A | Employed |  | No |  | No |  |
| 846695 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 8041.25 | 9.663 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4684.55 | No | Employed | Employed | No | No | No |  |
| 846693 |  | xxxxxx | xxxxxx | 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 | 9829.38 | 9.935 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 7948.51 | N/A | Employed |  | No |  | No |  |
| 844663 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 844582 |  | xxxxxx | xxxxxx | 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 | No | Yes | Present |
| 846692 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | Yes | 8260 | 8.602 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 15737.03 | N/A | Employed |  | No |  | No |  |
| 846700 |  | xxxxxx | xxxxxx | 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 |
| 849186 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 7220 | 7.213 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 8245.6 | N/A | Employed |  | No |  | No |  |
| 845443 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | 0 |  |  |  | No |  | Yes | Present |
| 843899 |  | xxxxxx | xxxxxx | 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 | No | 9315.62 | 9.564 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 23091.55 | N/A | Employed |  | No |  | No |  |
| 844316 |  | xxxxxx | xxxxxx | 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 |
| 846696 |  | xxxxxx | xxxxxx | 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 |
| 843968 |  | xxxxxx | xxxxxx | 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 |
| 842835 |  | xxxxxx | xxxxxx | 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 |
| 845947 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 844870 |  | xxxxxx | xxxxxx | 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 |
| 846835 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 6373 | 7.954 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3229.61 | Yes | Employed |  | No |  | No |  |
| 839635 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 846119 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | 64387.82 | N/A | Employed | Employed | No | No | Yes | Present |
| 844832 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 26051.8 | 7.424 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8169.27 | Yes | Employed | Not Employed | No | No | No |  |
| 847414 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 12674.38 | 7.915 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 11285.66 | N/A | Employed |  | No |  | No |  |
| 846380 |  | xxxxxx | xxxxxx | 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 | No | Yes | Present |
| 846120 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 19395 | 8.704 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 25970.87 | N/A | Employed |  | No |  | No |  |
| 845226 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | 10130 | 8.286 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13249.55 | Yes | Employed |  | No |  | No |  |
| 841013 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 23546.25 | 8.195 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11205.27 | Yes | Employed | Employed | No | No | No |  |
| 844073 |  | xxxxxx | xxxxxx | 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 | 11920.36 | N/A | Employed | Employed | No | No | Yes | Present |
| 844627 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 3782.19 | 7.378 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7840.95 | Yes | Employed | Retired | No | No | No |  |
| 846506 |  | xxxxxx | xxxxxx | 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 |
| 845466 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | 18696.71 | N/A | Employed |  | No |  | Yes | Present |
| 844378 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 16495 | 7.53 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 108705.14 | Yes | Employed | Unknown | No | No | No |  |
| 844417 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | 6896.16 | 9.468 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 4704.36 | N/A | Employed |  | No |  | No |  |
| 847277 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 21495 | 7.571 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 26970.63 | Yes | Employed | Employed | No | No | No |  |
| 843756 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 11645 | 7.213 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 35691.24 | N/A | Employed | Employed | No | No | No |  |
| 846147 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | Yes | No | No | No | No | No | 8364.05 | 7.825 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 160688.26 | Yes | Employed |  | No |  | No |  |
| 845720 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 10057.5 | 7.932 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8533.85 | Yes | Employed |  | No |  | No |  |
| 844864 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 1845 | 7.535 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18702.99 | Yes | Employed |  | No |  | No |  |
| 845224 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | Yes | 16915 | 8.253 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 33798.84 | Yes | Employed |  | No |  | No |  |
| 844975 |  | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 4850.89 | 10.817 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 12416.4 | N/A | Employed |  | No |  | No |  |
| 844338 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 1845 | 7.319 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 35131.84 | Yes | Employed |  | No |  | No |  |
| 843787 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | 0 |  |  |  | No |  | Yes | Present |
| 847413 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 25208.75 | 7.203 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17952 | Yes | Employed |  | No |  | No |  |
| 846500 |  | xxxxxx | xxxxxx | 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 |
| 845887 |  | xxxxxx | xxxxxx | 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 | No | Yes | Present |
| 843516 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 8195 | 8.069 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 21365.46 | Yes | Employed | Employed | No | No | No |  |
| 846694 |  | xxxxxx | xxxxxx | 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 | No | 8335 | 8.898 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3096.24 | Yes | Employed |  | No |  | No |  |
| 845724 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 2577.5 | 7.573 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 5579.77 | N/A | Employed |  | No |  | No |  |
| 846850 |  | xxxxxx | xxxxxx | 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 | No | 17310.39 | 9.513 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 21573.61 | N/A | Employed |  | No |  | No |  |
| 847179 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 3145 | 9.588 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 5483.19 | N/A | Employed | Employed | No | No | No |  |
| 846179 |  | xxxxxx | xxxxxx | 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 | 17390.08 | N/A | Employed | Employed | No | No | Yes | Present |
| 843897 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 6685 | 7.781 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6732.73 | Yes | Employed |  | No |  | No |  |
| 846472 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 5203.95 | 7.791 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 4106.13 | N/A | Employed | Not Employed | No | No | No |  |
| 846683 |  | xxxxxx | xxxxxx | 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 |
| 819340 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 1795 | 7.412 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15498.37 | Yes | Employed |  | No |  | No |  |
| 844998 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 15941.72 | 7.36 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11316.04 | Yes | Employed |  | No |  | No |  |
| 847662 |  | xxxxxx | xxxxxx | 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 | No | 6499.27 | 8.875 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22786.17 | Yes | Employed |  | No |  | No |  |
| 845597 |  | xxxxxx | xxxxxx | 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 | No | 3888.75 | 9.301 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7281.35 | N/A | Employed |  | No |  | No |  |
| 844082 |  | xxxxxx | xxxxxx | 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 | No | Yes | Present |
| 845984 |  | xxxxxx | xxxxxx | 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 | No | 13943.75 | 8.294 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 6270.54 | N/A | Employed |  | No |  | No |  |
| 846254 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 5517.8 | 7.643 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13496.92 | Yes | Employed |  | No |  | No |  |
| 842608 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 10502.5 | 9.292 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 11314.25 | N/A | Employed |  | No |  | No |  |
| 845194 |  | xxxxxx | xxxxxx | 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 | 8840.37 | 8.817 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5651.28 | Yes | Employed |  | No |  | No |  |
| 845725 |  | xxxxxx | xxxxxx | 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 | 14010 | 9.313 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16373.69 | Yes | Employed |  | No |  | No |  |
| 846709 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | 0 |  |  |  | No |  | Yes | Present |
| 845291 |  | xxxxxx | xxxxxx | 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 | 43096.97 | N/A | Employed |  | No |  | Yes | Present |
| 844072 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 8847 | 8.215 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | Yes | 5793.29 | Yes | Employed |  | No |  | No |  |
| 847415 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 8606.5 | 9.247 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3951.44 | Yes | Employed | Employed | No | No | No |  |
| 848312 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 8785 | 7.404 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 16575.23 | N/A | Employed |  | No |  | No |  |
| 846756 |  | xxxxxx | xxxxxx | 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 | 29729.97 | N/A | Employed |  | No |  | Yes | Present |
| 847191 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 8965 | 7.131 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 26581.58 | Yes | Employed |  | No |  | No |  |
| 847184 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 8427.29 | 9.969 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 16265.67 | N/A | Employed |  | No |  | No |  |
| 847181 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 4930.04 | 9.635 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 7772.43 | N/A | Employed |  | No |  | No |  |
| 846667 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 7015 | 7.831 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6642.32 | Yes | Employed |  | No |  | No |  |
| 844068 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 1750 | 7.586 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 21258.77 | N/A | Employed |  | No |  | No |  |
| 846944 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 6338 | 7.835 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20284.49 | Yes | Employed |  | No |  | No |  |
| 845425 |  | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 1630 | 8.324 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 11049.47 | N/A | Employed |  | No |  | No |  |
| 846140 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | 0 |  |  |  | No |  | Yes | Present |
| 845804 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 15196.1 | 7.547 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9826.48 | Yes | Employed | Unknown | No | No | No |  |
| 847494 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | 10006.94 | 7.951 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5589.41 | Yes | Employed |  | No |  | No |  |
| 848293 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 27067.2 | 7.261 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 14565.77 | N/A | Employed |  | No |  | No |  |
| 846277 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 10974.88 | 8.108 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8263.06 | Yes | Employed |  | No |  | No |  |
| 844380 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 38070 | 8.271 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 45673.21 | N/A | Employed |  | No |  | No |  |
| 846187 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 3230 | 7.557 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19285.16 | Yes | Employed | Employed | No | No | No |  |
| 846547 |  | xxxxxx | xxxxxx | 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 |
| 842623 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | 11598.11 | N/A | Employed | Employed | No | No | Yes | Present |
| 844620 |  | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | 6611.25 | 8.928 | N/A | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 48337.29 | N/A | Employed |  | No |  | No |  |
| 846517 |  | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 5685 | 9.398 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 24637.55 | N/A | Employed |  | No |  | No |  |
| 840930 |  | xxxxxx | xxxxxx | 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 | No | 13532.5 | 9.558 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 26440.98 | Yes | Employed | Employed | No | No | No |  |
| 846424 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 21902 | 7.134 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 69092.77 | N/A | Not Employed | Not Employed | No | No | No |  |
| 847694 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | 7522 | 8.21 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 7661.51 | N/A | Employed |  | No |  | No |  |
| 840301 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 77956.45 | 6.8 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 303227.51 | Yes | Employed |  | No |  | No |  |
| 847815 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 2495 | 7.596 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 3710 | N/A | Not Employed |  | No |  | No |  |
| 846787 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | 32742.64 | N/A | Employed |  | No |  | Yes | Present |
| 847532 |  | xxxxxx | xxxxxx | 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 | 46187.8 | N/A | Employed |  | No |  | Yes | Present |
| 844703 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 8802.29 | 9.584 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9887.01 | Yes | Employed |  | No |  | No |  |
| 847362 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 32545 | 6.774 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 125851.35 | Yes | Employed |  | No |  | No |  |
| 848895 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 18929.62 | 7.179 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8728.13 | Yes | Employed |  | No |  | No |  |
| 846882 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 5606.8 | 7.888 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5845.93 | Yes | Employed |  | No |  | No |  |
| 844076 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 16489.85 | 7.816 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22564.65 | Yes | Employed |  | No |  | No |  |
| 848040 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 8907.5 | 7.174 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 5804.3 | N/A | Retired |  | No |  | No |  |
| 848176 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 21621.96 | N/A | Employed |  | No |  | Yes | Present |
| 847370 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 6231.25 | 7.936 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 28211.96 | Yes | Employed |  | No |  | No |  |
| 848274 |  | xxxxxx | xxxxxx | 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 | 44040.03 | N/A | Employed |  | No |  | Yes | Present |
| 847196 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 15090 | 7.53 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9408.72 | Yes | Employed |  | No |  | No |  |
| 848254 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | Yes | N/A | Yes | N/A | N/A | N/A | Yes | N/A | N/A | 86377.54 | N/A | Employed |  | No |  | Yes | Present |
| 846727 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | 4039.19 | 8.716 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15622.65 | Yes | Employed |  | No |  | No |  |
| 844336 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 14147.15 | N/A | Employed |  | No |  | Yes | Present |
| 847679 |  | xxxxxx | xxxxxx | 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 | No | 5766.96 | 10.264 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 56756.01 | N/A | Employed | Employed | No | No | No |  |
| 847372 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | Yes | 18245.76 | 8.267 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 10288.22 | N/A | Employed |  | No |  | No |  |
| 847481 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 8888.01 | Yes | Employed |  | No |  | Yes | Present |
| 846103 |  | xxxxxx | xxxxxx | 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 | No | 8950.3 | 8.495 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8365.19 | Yes | Employed |  | No |  | No |  |
| 846371 |  | xxxxxx | xxxxxx | 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 |
| 848833 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 13465.98 | 7.064 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20124.84 | Yes | Unknown | Employed | No | No | No |  |
| 846875 |  | xxxxxx | xxxxxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 43679.72 | N/A | Employed |  | No |  | Yes | Present |
| 824734 |  | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 1845 | 7.015 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 29261.08 | N/A | Employed | Employed | No | No | No |  |

---

## Exhibit 99.14

**EXHIBIT 99.14**

**Canopy Valuation Report**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 819340 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 07-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 08-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-22-2025 |
| 824734 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 34.48 | 34.48 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 09-02-2025 Eligible | 1 | 09-02-2025 |
| 828834 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 58.87 | 58.87 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 07-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 07-03-2025 |
| 835354 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 55.0 | 55.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 02-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 03-20-2025 |
| 838699 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-14-2025 |
| 839635 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 53.76 | 53.76 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-25-2025 Eligible | 1 | 04-25-2025 |
| 839996 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 06-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 840301 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | xxxxxx | .0067 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | .0067 | 06-19-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 840783 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 08-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 840786 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 08-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-18-2025 |
| 840830 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | xxxxxx | 1025 Small Residential Income Report | xxxxxx | 59.11 | 59.11 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Adequate | 07-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 840883 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 40.0 | 40.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 06-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 06-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 840894 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | Other | xxxxxx | 61.25 | 61.25 | xxxxxx | xxxxxx | .0500 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0500 | 07-15-2025 |  |  |  |  |  |  |  |  |  |  |
| 840930 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 08-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 08-18-2025 |
| 840935 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 49.53 | 49.53 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-16-2025 Eligible | 1 | 06-16-2025 |
| 840946 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 06-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 840949 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 60.0 | 60.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 07-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841013 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 55.0 | 55.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 06-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 08-07-2025 Eligible |  |  |
| 841206 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 1025 Small Residential Income Report | xxxxxx | 57.02 | 57.02 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 07-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841258 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 06-09-2025 Eligible |  |  |
| 841848 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 06-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 06-05-2025 |
| 841946 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 47.62 | 47.62 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 07-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-23-2025 |
| 841994 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 1025 Small Residential Income Report | xxxxxx | 62.5 | 62.5 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 07-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 07-23-2025 |
| 842309 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 07-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 842566 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 49.28 | 49.28 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 08-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 842605 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 06-18-2025 |
| 842608 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1025 Small Residential Income Report | xxxxxx | 33.85 | 74.22 | xxxxxx | xxxxxx | -.0313 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0312 | xxxxxx | Moderate Risk | 08-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 842623 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1025 Small Residential Income Report | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 07-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 842658 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | Other | xxxxxx | 70.0 | 70.0 | xxxxxx | xxxxxx | .0142 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0142 | xxxxxx | 07-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 842706 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 63.28 | 63.28 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-10-2025 |
| 842713 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 50.0 | 50.0 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-10-2025 Eligible |  |  |
| 842737 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 07-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 842739 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1073 Individual Condo Report | xxxxxx | 59.22 | 59.22 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 07-15-2025 Eligible | 1 | 07-15-2025 |
| 842750 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 07-08-2025 Eligible | 1 | 07-08-2025 |
| 842773 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 07-30-2025 |
| 842774 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 07-10-2025 Eligible | 1.4 | 07-10-2025 |
| 842776 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 07-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 842777 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 1025 Small Residential Income Report | xxxxxx | 69.94 | 69.94 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 07-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 842811 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 07-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 842815 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 07-10-2025 Eligible | 1.4 | 07-10-2025 |
| 842835 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | Other | xxxxxx | 33.33 | 33.33 | xxxxxx | xxxxxx | .2000 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .2000 | xxxxxx | 07-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 842911 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 07-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-18-2025 |
| 842952 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-18-2025 Eligible | 1 | 07-18-2025 |
| 842975 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 59.87 | 59.87 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 07-11-2025 |
| 842995 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 07-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 07-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 843020 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 72.59 | 72.59 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-17-2025 Eligible | 1.4 | 07-17-2025 |
| 843138 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 73.52 | 73.52 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 06-27-2025 |
| 843413 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 07-13-2025 |
| 843430 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 08-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 843491 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1073 Individual Condo Report | xxxxxx | 65.0 | 65.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 06-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-26-2025 |
| 843497 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | xxxxxx | -.0087 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0087 | xxxxxx | Moderate Risk | 06-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 06-27-2025 |
| 843499 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 06-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 06-30-2025 |
| 843500 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1025 Small Residential Income Report | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 06-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 05-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 843516 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 08-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 843525 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 42.25 | 42.25 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 07-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 843539 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | Other | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | 07-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 843596 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1073 Individual Condo Report | xxxxxx | 69.69 | 69.69 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 07-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 843628 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 07-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 843629 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 07-11-2025 |  |  |  |  |  |  |  |  |  |  | 1 | 09-17-2025 Eligible | 1 | 09-17-2024 |
| 843756 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 79.84 | 79.84 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 08-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 843773 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 07-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-22-2025 |
| 843777 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 07-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 843787 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1025 Small Residential Income Report | xxxxxx | 60.0 | 60.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 08-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 843806 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1073 Individual Condo Report | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-15-2025 Eligible | 1 | 07-15-2025 |
| 843849 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 46.38 | 46.38 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 08-04-2025 |
| 843859 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1025 Small Residential Income Report | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 07-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 843879 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 25.41 | 25.41 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 07-31-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 07-30-2025 |
| 843897 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 59.43 | 59.43 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-20-2025 |
| 843899 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-13-2025 Eligible | 1.4 | 08-13-2025 |
| 843912 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1073 Individual Condo Report | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 07-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 843957 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 1025 Small Residential Income Report | xxxxxx | 50.0 | 50.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 07-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 843961 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1073 Individual Condo Report | xxxxxx | 75.0 | 75.0 | xxxxxx | xxxxxx | -.0405 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0405 | xxxxxx | Moderate Risk | 07-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 843968 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 29.73 | 29.73 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 05-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 08-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 844018 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1073 Individual Condo Report | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 07-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 844052 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1025 Small Residential Income Report | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 07-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 07-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 844068 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 53.57 | 53.57 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-13-2025 Eligible | 1 | 08-13-2025 |
| 844072 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1073 Individual Condo Report | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-19-2025 |
| 844073 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1073 Individual Condo Report | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 08-09-2025 |
| 844076 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-24-2025 |
| 844082 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1073 Individual Condo Report | xxxxxx | 60.0 | 60.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 08-06-2025 Eligible | 1 | 08-06-2025 |
| 844153 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1025 Small Residential Income Report | xxxxxx | 50.0 | 50.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 06-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 07-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 844155 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 07-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-18-2025 |
| 844157 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 07-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 844160 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 74.59 | 74.59 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 04-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 844165 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 07-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-25-2025 |
| 844254 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 08-04-2025 |
| 844316 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 65.63 | 65.63 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 07-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-25-2025 |
| 844336 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1025 Small Residential Income Report | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 07-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 08-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 844338 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 51.28 | 51.28 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-11-2025 |
| 844366 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 65.0 | 65.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 07-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 844377 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-23-2025 |
| 844378 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 69.98 | 69.98 | xxxxxx | 0 | .0000 | 1004 URAR |  |  |  |  | xxxxxx | 0 | .0000 | 08-04-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 844380 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-12-2025 Eligible |  |  |
| 844417 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | AVM | xxxxxx | 34.64 | 70.0 | xxxxxx | xxxxxx | .0318 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0318 | 92.0 | 0.08 | xxxxxx | xxxxxx | 10-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 844582 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1073 Individual Condo Report | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 08-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 844620 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 3.28 | 51.73 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 08-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 08-11-2025 |
| 844627 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-07-2025 |
| 844663 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1073 Individual Condo Report | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 06-26-2025 |
| 844703 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 09-12-2025 Eligible | 1.2 | 09-12-2025 |
| 844717 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 84.51 | 84.51 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 03-11-2024 |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 03-14-2024 |
| 844718 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 09-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 04-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 844719 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 76.19 | 76.19 | xxxxxx | xxxxxx | .0476 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 05-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-22-2024 |
| 844722 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 57.13 | 57.13 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 09-19-2023 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 10-03-2022 |
| 844723 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 61.22 | 61.22 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 09-26-2022 |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 09-26-2022 |
| 844724 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 46.43 | 46.43 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 02-09-2024 |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 09-22-2022 |
| 844725 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 47.86 | 47.86 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Reasonable | 09-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12-06-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 844726 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 74.73 | 74.73 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 09-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 07-31-2024 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 844727 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 64.35 | 64.35 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 09-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11-15-2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 844728 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1073 Individual Condo Report | xxxxxx | 76.92 | 76.92 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-08-2023 Eligible | 1 | 02-01-2023 |
| 844729 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Reasonable | 09-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 844731 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 74.63 | 74.63 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 05-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 08-17-2023 |
| 844732 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 09-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 06-25-2024 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 844733 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 59.83 | 59.83 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 09-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-23-2024 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 844734 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 09-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 01-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 844736 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 09-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 844738 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 75.65 | 75.65 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Reasonable | 09-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 05-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 844739 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 67.69 | 67.69 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 06-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-11-2024 |
| 844741 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 05-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 05-16-2024 |
| 844750 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Reasonable | 09-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 844751 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1073 Individual Condo Report | xxxxxx | 72.88 | 72.88 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 02-14-2025 |
| 844753 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-04-2025 Eligible | 1 | 04-04-2025 |
| 844756 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 09-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 844757 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 24.19 | 24.19 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10-09-2023 |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 07-12-2025 |
| 844758 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 68.57 | 68.57 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 05-25-2023 |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 07-09-2022 |
| 844759 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 06-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 05-09-2025 |
| 844832 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 08-08-2025 |
| 844864 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 28.0 | 28.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 08-06-2025 |
| 844870 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 08-21-2025 |  |  |  |  |  |  |  |  |  |  | 1 | 08-11-2025 Eligible | 1 | 08-11-2025 |
| 844950 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 07-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-21-2025 |
| 844952 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 07-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-20-2025 |
| 844975 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 27.34 | 79.62 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | REASONABLE | 06-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 08-08-2025 |
| 844998 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1073 Individual Condo Report | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 07-29-2025 |
| 845194 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1073 Individual Condo Report | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-21-2025 Eligible | 1 | 08-21-2025 |
| 845224 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 08-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845226 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-02-2025 Eligible | 1 | 08-02-2025 |
| 845291 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 08-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 01-06-2025 |
| 845425 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 15.82 | 37.85 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 08-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 08-15-2025 |
| 845443 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 37.74 | 37.74 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 08-04-2025 Eligible | 1.5 | 08-04-2025 |
| 845466 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 08-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-04-2025 |
| 845597 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 08-20-2025 |  |  |  |  |  |  |  |  |  |  | 1.5 | 08-14-2025 Eligible | 1 | 08-14-2025 |
| 845720 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1025 Small Residential Income Report | xxxxxx | 48.67 | 48.67 | xxxxxx | xxxxxx | -.0933 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0933 | xxxxxx | Moderate Risk | 08-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845722 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 63.5 | 63.5 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 07-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 07-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845724 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 21.43 | 21.43 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 07-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 08-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845725 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 08-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 07-07-2025 |
| 845804 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1025 Small Residential Income Report | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 08-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845887 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 08-07-2025 Eligible |  |  |
| 845899 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 34.2 | 34.2 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 07-25-2025 Eligible | 1 | 07-25-2025 |
| 845901 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 73.96 | 73.96 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 07-29-2025 |
| 845910 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1025 Small Residential Income Report | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 07-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845918 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 1073 Individual Condo Report | xxxxxx | 57.23 | 57.23 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 06-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845923 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 67.13 | 67.13 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 07-23-2025 Eligible | 1.7 | 07-23-2025 |
| 845929 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-08-2025 |
| 845930 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 65.0 | 65.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 07-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845938 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 57.14 | 57.14 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 07-10-2025 |
| 845939 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1025 Small Residential Income Report | xxxxxx | 71.0 | 71.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 07-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845941 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 07-25-2025 |
| 845947 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 1073 Individual Condo Report | xxxxxx | 49.3 | 49.3 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 07-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845984 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 08-06-2025 |
| 846103 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 09-08-2025 Eligible |  |  |
| 846119 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | AVM | xxxxxx | 29.34 | 64.98 | xxxxxx | xxxxxx | -.0098 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0098 | 93.0 | 0.07 | xxxxxx | Other | 08-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 846120 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 27.03 | 71.73 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 08-07-2025 |
| 846140 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 38.99 | 38.99 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-07-2025 |
| 846147 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 08-18-2025 Eligible | 2 | 08-18-2025 |
| 846179 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 08-19-2025 Eligible |  |  |
| 846187 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-25-2025 Eligible | 1.4 | 08-25-2025 |
| 846254 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-15-2025 Eligible |  |  |
| 846277 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 08-21-2025 Eligible | 1 | 08-21-2025 |
| 846371 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 09-05-2025 Eligible | 1.1 | 09-05-2025 |
| 846380 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1073 Individual Condo Report | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 07-14-2025 |
| 846424 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 69.83 | 69.83 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-18-2025 |
| 846472 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 08-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 08-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-13-2025 |
| 846500 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 08-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 846506 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 08-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-04-2025 |
| 846517 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 47.71 | 69.81 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 08-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-18-2025 |
| 846547 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 55.72 | 55.72 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-21-2025 Eligible | 1 | 07-21-2025 |
| 846667 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1073 Individual Condo Report | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 09-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 846683 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 50.72 | 50.72 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 12-11-2024 |
| 846692 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 08-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-11-2025 |
| 846693 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 08-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 846694 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 08-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 846695 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 08-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-14-2025 |
| 846696 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | Other | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Other |  |  |  |  | xxxxxx | 0 | .0000 | 07-31-2025 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | 07-31-2025 |  |  |  |  |  |  |  |  |  |  |
| 846700 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 40.66 | 40.66 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 08-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 846709 | xxxxxx |  | xxxxxx | xxxxxx |  | 1 | xxxxxx | xxxxxx | 1025 Small Residential Income Report | xxxxxx | 60.0 | 60.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 08-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 846727 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 08-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 09-02-2025 |
| 846756 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 71.74 | 71.74 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-26-2025 |
| 846787 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 08-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 846835 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1073 Individual Condo Report | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-21-2025 |
| 846850 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 08-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-08-2025 |
| 846875 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 09-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 846882 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1025 Small Residential Income Report | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 09-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 846944 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1025 Small Residential Income Report | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 08-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 847179 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | AVM | xxxxxx | 13.14 | 52.57 | xxxxxx | xxxxxx | -.0767 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0767 | 90.0 | 0.1 | xxxxxx | Other | 08-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 847181 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 19.55 | 79.35 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 05-27-2025 |
| 847184 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 29.75 | 69.95 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 08-20-2025 Eligible | 1.2 | 08-20-2025 |
| 847191 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1073 Individual Condo Report | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 08-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-06-2025 |
| 847196 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 07-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 847277 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 05-29-2025 Eligible | 1 | 05-29-2025 |
| 847362 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1073 Individual Condo Report | xxxxxx | 33.33 | 33.33 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 09-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 08-25-2025 |
| 847370 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-05-2025 Eligible | 1.2 | 09-05-2025 |
| 847372 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | LOW RISK | 08-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 847413 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 08-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 07-23-2025 |  |  |  |  |  |  |  |  |  |  | 2 | 07-21-2025 Eligible |  |  |
| 847414 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 74.8 | 74.8 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 07-31-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 07-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-15-2025 |
| 847415 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Adequate | 08-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-29-2025 |
| 847481 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1073 Individual Condo Report | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 09-11-2025 |
| 847494 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 08-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 847532 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 1025 Small Residential Income Report | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 09-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 847662 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 07-08-2025 |
| 847679 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 27.6 | 84.55 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 08-04-2025 Eligible | 1.5 | 08-04-2025 |
| 847694 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 09-08-2025 Eligible | 1.4 | 09-08-2025 |
| 847815 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 09-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 09-07-2025 |
| 848040 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1073 Individual Condo Report | xxxxxx | 53.13 | 53.13 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-04-2025 |
| 848176 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 09-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 848254 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 08-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-20-2025 Eligible |  |  |
| 848274 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1025 Small Residential Income Report | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 04-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 07-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 848293 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-31-2025 |
| 848312 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Adequate | 08-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 09-02-2025 Eligible |  |  |
| 848560 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 06-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 848833 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1073 Individual Condo Report | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-12-2025 Eligible |  |  |
| 848895 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 66.7 | 66.7 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-14-2025 Eligible | 1 | 08-14-2025 |
| 849186 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 1073 Individual Condo Report | xxxxxx | 50.08 | 50.08 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-13-2025 |
| 849189 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 68.59 | 68.59 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 06-17-2025 |
| 840781 | xxxxxx |  | xxxxxx | xxxxxx | 0 | 0 | xxxxxx | xxxxxx | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | xxxxxx | .0092 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0092 | 90.0 | 0.1 | xxxxxx | xxxxxx | 10-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.15

**EXHIBIT 99.15**

**CLARIFII LLC ("CLARIFII") EXECUTIVE SUMMARY**

![](tm2529922d1_ex99-15img001.jpg)

**EXECUTIVE SUMMARY**

**Verus 2025-11**

**By Clarifii LLC on October 29, 2025**

VERUS 2025-11 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 1

![](tm2529922d1_ex99-15img001.jpg)

**CLARIFII CONTACT INFORMATION** 

---

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

---

**OVERVIEW**

Clarifii LLC ("Clarifii") conducted an independent third-party pre-securitization due diligence review (the "Review") of 346 Loans (the "Loans") originated by a correspondent lender and acquired by VMC Asset Pooler, LLC or its affiliates (the "Client") for the Verus 2025-11 transaction. The Loans referenced in this narrative report were reviewed between 03/2025 to 10/2025 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 Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Retail | &nbsp;&nbsp;95 | &nbsp;&nbsp;27.46% | &nbsp;&nbsp;$62740960.00 |
| &nbsp;&nbsp;Correspondent Flow with Delegated UW | &nbsp;&nbsp;76 | &nbsp;&nbsp;21.97% | &nbsp;&nbsp;$47419588.00 |
| &nbsp;&nbsp;Correspondent Bulk | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.29% | &nbsp;&nbsp;$155250.00 |
| &nbsp;&nbsp;Correspondent Flow without Delegated UW | &nbsp;&nbsp;6 | &nbsp;&nbsp;1.73% | &nbsp;&nbsp;$3643875.00 |
| &nbsp;&nbsp;Wholesale | &nbsp;&nbsp;168 | &nbsp;&nbsp;48.55% | &nbsp;&nbsp;$89555785.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**346** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$203515458.00** |

---

The Review consisted of a population of 346 Loans, with an aggregate principal balance of $203,515,458.00.

**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 Client 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.

VERUS 2025-11 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 2

![](tm2529922d1_ex99-15img001.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;Kroll Bond Rating Agency, LLC | &nbsp;&nbsp; <br> U.S. RMBS Rating Methodology, December 7, 2023<br>|
| &nbsp;&nbsp;Fitch Ratings, Inc. | &nbsp;&nbsp; <br> U.S. RMBS Rating Criteria, October 1, 2025<br>|

---

**DATA INTEGRITY**

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

---

| |
|:---|
| &nbsp;&nbsp;**Data Comparison Fields** |
| &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;Application Date |
| &nbsp;&nbsp;ARM Lifetime Interest Rate Minimum |
| &nbsp;&nbsp;Balloon Flag |
| &nbsp;&nbsp;Borrower 1 Any Outstanding Judgments? |
| &nbsp;&nbsp;Borrower 1 Any part of down payment borrowed? |
| &nbsp;&nbsp;Borrower 1 Bankruptcy in past 7 years? |
| &nbsp;&nbsp;Borrower 1 Birthdate |
| &nbsp;&nbsp;Borrower 1 Citizen |
| &nbsp;&nbsp;Borrower 1 Country Name |
| &nbsp;&nbsp;Borrower 1 Credit Report Date |
| &nbsp;&nbsp;Borrower 1 Do you intend to occupy property as primary residence? |
| &nbsp;&nbsp;Borrower 1 Email or Internet |
| &nbsp;&nbsp;Borrower 1 Employer 1 Position |
| &nbsp;&nbsp;Borrower 1 Employer 1 Years in Line of Work |
| &nbsp;&nbsp;Borrower 1 Employer 2 Position |
| &nbsp;&nbsp;Borrower 1 Employer 2 Self-Employment Flag |
| &nbsp;&nbsp;Borrower 1 Ethnicity - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Not Hispanic or Latino |
| &nbsp;&nbsp;Borrower 1 Ethnicity Visual Observation or Surname |
| &nbsp;&nbsp;Borrower 1 First Name |
| &nbsp;&nbsp;Borrower 1 Foreclosure in past 7 years? |
| &nbsp;&nbsp;Borrower 1 FTHB |
| &nbsp;&nbsp;Borrower 1 Has there been ownership in a property in last 3 yrs |
| &nbsp;&nbsp;Borrower 1 How was title held? |

---

VERUS 2025-11 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 3

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---

| |
|:---|
| &nbsp;&nbsp;Borrower 1 Last Name |
| &nbsp;&nbsp;Borrower 1 Marital Status |
| &nbsp;&nbsp;Borrower 1 Middle Name |
| &nbsp;&nbsp;Borrower 1 Name of Employer1 |
| &nbsp;&nbsp;Borrower 1 Name of Employer 2 |
| &nbsp;&nbsp;Borrower 1 Originator Citizenship Designation |
| &nbsp;&nbsp;Borrower 1 Other Income |
| &nbsp;&nbsp;Borrower 1 Phone Number |
| &nbsp;&nbsp;Borrower 1 Qualifying Income |
| &nbsp;&nbsp;Borrower 1 Race - Asian |
| &nbsp;&nbsp;Borrower 1 Race - Chinese |
| &nbsp;&nbsp;Borrower 1 Race - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Race - Korean |
| &nbsp;&nbsp;Borrower 1 Race - Other Asian |
| &nbsp;&nbsp;Borrower 1 Race - Vietnamese |
| &nbsp;&nbsp;Borrower 1 Race - White |
| &nbsp;&nbsp;Borrower 1 Rent or Own |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag |
| &nbsp;&nbsp;Borrower 1 Sex - Female |
| &nbsp;&nbsp;Borrower 1 Sex - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Sex - Male |
| &nbsp;&nbsp;Borrower 1 SSN |
| &nbsp;&nbsp;Borrower 1 Telephone Interview |
| &nbsp;&nbsp;Borrower 1 Years in Current Home |
| &nbsp;&nbsp;Borrower 2 Birthdate |
| &nbsp;&nbsp;Borrower 2 Citizen |
| &nbsp;&nbsp;Borrower 2 Do you intend to occupy property as primary residence? |
| &nbsp;&nbsp;Borrower 2 Ethnicity - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 2 Ethnicity - Not Hispanic or Latino |
| &nbsp;&nbsp;Borrower 2 Ethnicity Visual Observation or Surname |
| &nbsp;&nbsp;Borrower 2 First Name |
| &nbsp;&nbsp;Borrower 2 Last Name |
| &nbsp;&nbsp;Borrower 2 Marital Status |
| &nbsp;&nbsp;Borrower 2 Qualifying Income |
| &nbsp;&nbsp;Borrower 2 Race - Asian |
| &nbsp;&nbsp;Borrower 2 Race - Chinese |
| &nbsp;&nbsp;Borrower 2 Race - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 2 Rent or Own |
| &nbsp;&nbsp;Borrower 2 Sex - Female |
| &nbsp;&nbsp;Borrower 2 Sex - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 2 SSN |
| &nbsp;&nbsp;Borrower 2 Telephone Interview |
| &nbsp;&nbsp;Borrower 2 Years in Current Home |

---

VERUS 2025-11 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 4

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---

| |
|:---|
| &nbsp;&nbsp;Blanket Mortgage Flag |
| &nbsp;&nbsp;Business Entity EIN |
| &nbsp;&nbsp;Business Purpose Flag |
| &nbsp;&nbsp;Calculated DSCR |
| &nbsp;&nbsp;Cash Disbursement Date |
| &nbsp;&nbsp;Closing/Settlement Date |
| &nbsp;&nbsp;FHA Streamline/VA IRRL Indicator |
| &nbsp;&nbsp;First Payment Date |
| &nbsp;&nbsp;HOA Flag |
| &nbsp;&nbsp;Initial Interest Rate |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment |
| &nbsp;&nbsp;Initial Originator Signature Date |
| &nbsp;&nbsp;Interest Only Flag |
| &nbsp;&nbsp;Interest Only Term |
| &nbsp;&nbsp;Interest Rate |
| &nbsp;&nbsp;Investor Loan ID |
| &nbsp;&nbsp;Is the Condo Project warrantable |
| &nbsp;&nbsp;Lien Position |
| &nbsp;&nbsp;Loan Amount |
| &nbsp;&nbsp;Loan ID |
| &nbsp;&nbsp;Loan Origination Company |
| &nbsp;&nbsp;Loan Origination Company NMLS |
| &nbsp;&nbsp;Loan Program |
| &nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;Loan Type |
| &nbsp;&nbsp;Margin |
| &nbsp;&nbsp;Maturity Date |
| &nbsp;&nbsp;MIN No |
| &nbsp;&nbsp;Negative Amortization Flag |
| &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;Note Type |
| &nbsp;&nbsp;Number of Borrowers |
| &nbsp;&nbsp;Number of Units |
| &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;Origination Foreclosure Flag |
| &nbsp;&nbsp;Originator QM Status |
| &nbsp;&nbsp;Payment Frequency |
| &nbsp;&nbsp;Prepayment Penalty |
| &nbsp;&nbsp;Prepayment Penalty Calculation |
| &nbsp;&nbsp;Prepayment Penalty Flag |
| &nbsp;&nbsp;Prepayment Penalty Total Term |
| &nbsp;&nbsp;Primary Appraised Property Value |
| &nbsp;&nbsp;Property Address |
| &nbsp;&nbsp;Property Attachment Type |

---

VERUS 2025-11 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 5

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---

| |
|:---|
| &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Property County |
| &nbsp;&nbsp;Property Rights |
| &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Property Value |
| &nbsp;&nbsp;Property Zip Code |
| &nbsp;&nbsp;QM Qualifying Total Debt Income Ratio |
| &nbsp;&nbsp;Qualifying CLTV |
| &nbsp;&nbsp;Qualifying FICO |
| &nbsp;&nbsp;Qualifying HLTV |
| &nbsp;&nbsp;Qualifying LTV |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months |
| &nbsp;&nbsp;Refinance Type |
| &nbsp;&nbsp;Reviewed Total Housing Expense PITIA |
| &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Seller Loan ID |
| &nbsp;&nbsp;Subject Property Gross Rental income |
| &nbsp;&nbsp;Term |
| &nbsp;&nbsp;Total Qualified Assets Available For Reserves |
| &nbsp;&nbsp;Total Qualifying Income |
| &nbsp;&nbsp;ULI |
| &nbsp;&nbsp;Verified Doc Type |
| &nbsp;&nbsp;Vested Business Entity Name |

---

**CREDIT UNDERWRITING**

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

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

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

- Assets and Reserves

- Gross Income

- Lien Position

- Loan Purpose

- Housing History

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

- Monthly Debt

- Occupancy

- Property Type

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

- Debt to Income Ratio (DTI)

- Residual Income

- Debt Service Coverage Ratio (DSCR)

VERUS 2025-11 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 6

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&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

VERUS 2025-11 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 7

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&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 <br>

&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

VERUS 2025-11 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 8

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&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

**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)

VERUS 2025-11 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 9

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&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.

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

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

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

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

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

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

**Miscellaneous Compliance Testing**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

VERUS 2025-11 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 11

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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- 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. <br>

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

- Non-Owner Occupied Declaration Disclosure

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

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

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

- Review Note accuracy and properly executed

- Review Mortgage and applicable riders for accuracy and properly executed

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

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

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

- Right to Receive Copy of Appraisal or Appraisal Waiver Disclosure

- Letter of Explanation detailing the use of proceeds.

- Borrower's statement of purpose for the Loan.

- State License requirements when applicable

- State Predatory lending and high cost when applicable

VERUS 2025-11 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 13

![](tm2529922d1_ex99-15img001.jpg)

**QUALIFIED MORTGAGE (QM)**

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

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

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

**ABILITY TO REPAY (ATR)**

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

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

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.

VERUS 2025-11 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 14

![](tm2529922d1_ex99-15img001.jpg)

**VALUATION REVIEW**

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

&nbsp;&nbsp;&nbsp;&nbsp;· **Title XI of the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA)** <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;· **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;· If the AVM (Automated Valuation Model)
or AVE/CMA (Automated Valuation Estimate/ Comparative Market Analysis) supported the origination appraised value within -10% variance,
no additional products were required.

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

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

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

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

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

VERUS 2025-11 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 15

![](tm2529922d1_ex99-15img001.jpg)

**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 <br> within -10% of OA<br> or Acceptable<br> UCDP 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;11 |
| &nbsp;&nbsp;AVE/CMA | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;BPO | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;LCA and/or CU Score <=2.5 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;153 |
| &nbsp;&nbsp;Desk Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;170 |
| &nbsp;&nbsp;Field Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Enhanced Desk Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Second Full Appraisal | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 |

---

*One loan in the population is multi-property and is not included in the table above. Please refer to the Clarifii Multi-Property Reports for valuation details.*

**DUE DILIGENCE GRADING CRITERIA** 

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

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

**Final Event Grade**

---

| | |
|:---|:---|
| **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. |

---

VERUS 2025-11 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 16

![](tm2529922d1_ex99-15img001.jpg)

**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. |

---

VERUS 2025-11 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 17

![](tm2529922d1_ex99-15img001.jpg)

**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 Grade Summary Fitch** | &nbsp;&nbsp;**Overall Grade Summary Fitch** | &nbsp;&nbsp;**Overall Grade Summary Fitch** |
| &nbsp;&nbsp;**Overall Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;251 | &nbsp;&nbsp;72.54% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;95 | &nbsp;&nbsp;27.46% |
| &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;**346** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall Grade Summary Kroll** | &nbsp;&nbsp;**Overall Grade Summary Kroll** | &nbsp;&nbsp;**Overall Grade Summary Kroll** |
| &nbsp;&nbsp;**Overall Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;251 | &nbsp;&nbsp;72.54% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;95 | &nbsp;&nbsp;27.46% |
| &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;**346** | &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 Fitch** | &nbsp;&nbsp;**Credit Grade Summary Fitch** | &nbsp;&nbsp;**Credit Grade Summary Fitch** |
| &nbsp;&nbsp;**Credit Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;293 | &nbsp;&nbsp;84.68% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;53 | &nbsp;&nbsp;15.32% |
| &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;**346** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Credit Grade Summary Kroll** | &nbsp;&nbsp;**Credit Grade Summary Kroll** | &nbsp;&nbsp;**Credit Grade Summary Kroll** |
| &nbsp;&nbsp;**Credit Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;293 | &nbsp;&nbsp;84.68% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;53 | &nbsp;&nbsp;15.32% |
| &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;**346** | &nbsp;&nbsp;**100.00%** |

---

VERUS 2025-11 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 18

![](tm2529922d1_ex99-15img001.jpg)

**Final Property Valuation Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Grade Summary Fitch** | &nbsp;&nbsp;**Property Grade Summary Fitch** | &nbsp;&nbsp;**Property Grade Summary Fitch** |
| &nbsp;&nbsp;**Property Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;345 | &nbsp;&nbsp;99.71% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.29% |
| &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;**346** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Grade Summary Kroll** | &nbsp;&nbsp;**Property Grade Summary Kroll** | &nbsp;&nbsp;**Property Grade Summary Kroll** |
| &nbsp;&nbsp;**Property Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;345 | &nbsp;&nbsp;99.71% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.29% |
| &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;**346** | &nbsp;&nbsp;**100.00%** |

---

**Final Regulatory Compliance Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Compliance Grade Summary Fitch** | &nbsp;&nbsp;**Compliance Grade Summary Fitch** | &nbsp;&nbsp;**Compliance Grade Summary Fitch** |
| &nbsp;&nbsp;**Compliance Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;295 | &nbsp;&nbsp;85.26% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;51 | &nbsp;&nbsp;14.74% |
| &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;**346** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Compliance Grade Summary Kroll** | &nbsp;&nbsp;**Compliance Grade Summary Kroll** | &nbsp;&nbsp;**Compliance Grade Summary Kroll** |
| &nbsp;&nbsp;**Compliance Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;295 | &nbsp;&nbsp;85.26% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;51 | &nbsp;&nbsp;14.74% |
| &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;**346** | &nbsp;&nbsp;**100.00%** |

---

VERUS 2025-11 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 19

**ADDITIONAL LOAN SUMMARY DETAILS**

**Amortization Type**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;7 | &nbsp;&nbsp;2.02% | &nbsp;&nbsp;$7084500.00 |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;339 | &nbsp;&nbsp;97.98% | &nbsp;&nbsp;$196430958.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**346** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$203515458.00** |

---

**Occupancy**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;209 | &nbsp;&nbsp;60.40% | &nbsp;&nbsp;$136457234.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;10 | &nbsp;&nbsp;2.89% | &nbsp;&nbsp;$4511625.00 |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;127 | &nbsp;&nbsp;36.71% | &nbsp;&nbsp;$62546599.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**346** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$203515458.00** |

---

**Loan Purpose**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Refinance | &nbsp;&nbsp;155 | &nbsp;&nbsp;44.80% | &nbsp;&nbsp;$82524670.00 |
| &nbsp;&nbsp;Purchase | &nbsp;&nbsp;191 | &nbsp;&nbsp;55.20% | &nbsp;&nbsp;$120990788.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**346** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$203515458.00** |

---

**Lien Position**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;307 | &nbsp;&nbsp;88.73% | &nbsp;&nbsp;$193073092.00 |
| &nbsp;&nbsp;2 | &nbsp;&nbsp;39 | &nbsp;&nbsp;11.27% | &nbsp;&nbsp;$10442366.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**346** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$203515458.00** |

---

**Original Term**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;480 | &nbsp;&nbsp;6 | &nbsp;&nbsp;1.73% | &nbsp;&nbsp;$3547907.00 |
| &nbsp;&nbsp;360 | &nbsp;&nbsp;339 | &nbsp;&nbsp;97.98% | &nbsp;&nbsp;$199567551.00 |
| &nbsp;&nbsp;240 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.29% | &nbsp;&nbsp;$400000.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**346** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$203515458.00** |

---

VERUS 2025-11 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 20

![](tm2529922d1_ex99-15img001.jpg)

**DATA COMPARE RESULTS**

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

**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;49 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;9 | &nbsp;&nbsp;24 | &nbsp;&nbsp;62.50% |
| &nbsp;&nbsp;ARM Lifetime Interest Rate Minimum | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;24 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Any Outstanding Judgments? | &nbsp;&nbsp;0 | &nbsp;&nbsp;18 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Any part of down payment borrowed? | &nbsp;&nbsp;0 | &nbsp;&nbsp;17 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Bankruptcy in past 7 years? | &nbsp;&nbsp;0 | &nbsp;&nbsp;23 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Birthdate | &nbsp;&nbsp;0 | &nbsp;&nbsp;24 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Citizen | &nbsp;&nbsp;0 | &nbsp;&nbsp;18 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Country Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;18 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Credit Report Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Do you intend to occupy property as primary residence? | &nbsp;&nbsp;0 | &nbsp;&nbsp;18 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Email or Internet | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Employer 1 Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;17 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Employer 1 Years in Line of Work | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Employer 2 Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Employer 2 Self-Employment Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;18 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Not Hispanic or Latino | &nbsp;&nbsp;0 | &nbsp;&nbsp;18 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity Visual Observation or Surname | &nbsp;&nbsp;0 | &nbsp;&nbsp;18 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;9 | &nbsp;&nbsp;326 | &nbsp;&nbsp;97.24% |
| &nbsp;&nbsp;Borrower 1 Foreclosure in past 7 years? | &nbsp;&nbsp;0 | &nbsp;&nbsp;18 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Has there been ownership in a property in last 3 yrs | &nbsp;&nbsp;2 | &nbsp;&nbsp;15 | &nbsp;&nbsp;86.67% |
| &nbsp;&nbsp;Borrower 1 How was title held? | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;11 | &nbsp;&nbsp;329 | &nbsp;&nbsp;96.66% |
| &nbsp;&nbsp;Borrower 1 Marital Status | &nbsp;&nbsp;0 | &nbsp;&nbsp;18 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Middle Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Name of Employer1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;17 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Name of Employer 2 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Originator Citizenship Designation | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Other Income | &nbsp;&nbsp;2 | &nbsp;&nbsp;13 | &nbsp;&nbsp;84.62% |
| &nbsp;&nbsp;Borrower 1 Phone Number | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |

---

VERUS 2025-11 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 21

![](tm2529922d1_ex99-15img001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Borrower 1 Qualifying Income | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - Asian | &nbsp;&nbsp;0 | &nbsp;&nbsp;17 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - Chinese | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;18 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - Korean | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - Other Asian | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Borrower 1 Race - Vietnamese | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - White | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Rent or Own | &nbsp;&nbsp;0 | &nbsp;&nbsp;18 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;17 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Sex - Female | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Sex - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;18 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Sex - Male | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 SSN | &nbsp;&nbsp;4 | &nbsp;&nbsp;148 | &nbsp;&nbsp;97.30% |
| &nbsp;&nbsp;Borrower 1 Telephone Interview | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Years in Current Home | &nbsp;&nbsp;1 | &nbsp;&nbsp;18 | &nbsp;&nbsp;94.44% |
| &nbsp;&nbsp;Borrower 2 Birthdate | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Citizen | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Do you intend to occupy property as primary residence? | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Ethnicity - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Ethnicity - Not Hispanic or Latino | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Ethnicity Visual Observation or Surname | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Marital Status | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Qualifying Income | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Race - Asian | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Race - Chinese | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Race - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Rent or Own | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Sex - Female | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Sex - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Telephone Interview | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Years in Current Home | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Blanket Mortgage Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Business Entity EIN | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Business Purpose Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;0 | &nbsp;&nbsp;35 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;15 | &nbsp;&nbsp;42 | &nbsp;&nbsp;64.29% |
| &nbsp;&nbsp;Closing/Settlement Date | &nbsp;&nbsp;29 | &nbsp;&nbsp;33 | &nbsp;&nbsp;12.12% |

---

VERUS 2025-11 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 22

![](tm2529922d1_ex99-15img001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;FHA Streamline/VA IRRL Indicator | &nbsp;&nbsp;0 | &nbsp;&nbsp;18 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;7 | &nbsp;&nbsp;95 | &nbsp;&nbsp;92.63% |
| &nbsp;&nbsp;HOA Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Initial Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment | &nbsp;&nbsp;1 | &nbsp;&nbsp;21 | &nbsp;&nbsp;95.24% |
| &nbsp;&nbsp;Initial Originator Signature Date | &nbsp;&nbsp;8 | &nbsp;&nbsp;18 | &nbsp;&nbsp;55.56% |
| &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;279 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Only Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;8 | &nbsp;&nbsp;332 | &nbsp;&nbsp;97.59% |
| &nbsp;&nbsp;Investor Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;100 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Is the Condo Project warrantable | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;1 | &nbsp;&nbsp;279 | &nbsp;&nbsp;99.64% |
| &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;10 | &nbsp;&nbsp;322 | &nbsp;&nbsp;96.89% |
| &nbsp;&nbsp;Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;346 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Origination Company | &nbsp;&nbsp;0 | &nbsp;&nbsp;18 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Origination Company NMLS | &nbsp;&nbsp;0 | &nbsp;&nbsp;16 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;0 | &nbsp;&nbsp;291 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;1 | &nbsp;&nbsp;346 | &nbsp;&nbsp;99.71% |
| &nbsp;&nbsp;Loan Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;18 | &nbsp;&nbsp;94.44% |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;55 | &nbsp;&nbsp;98.18% |
| &nbsp;&nbsp;MIN No | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Negative Amortization Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;18 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;6 | &nbsp;&nbsp;51 | &nbsp;&nbsp;88.24% |
| &nbsp;&nbsp;Note Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;267 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Borrowers | &nbsp;&nbsp;0 | &nbsp;&nbsp;18 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;2 | &nbsp;&nbsp;332 | &nbsp;&nbsp;99.40% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;1 | &nbsp;&nbsp;343 | &nbsp;&nbsp;99.71% |
| &nbsp;&nbsp;Origination Foreclosure Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Originator QM Status | &nbsp;&nbsp;2 | &nbsp;&nbsp;4 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;Payment Frequency | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;1 | &nbsp;&nbsp;5 | &nbsp;&nbsp;80.00% |
| &nbsp;&nbsp;Prepayment Penalty Calculation | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Flag | &nbsp;&nbsp;1 | &nbsp;&nbsp;4 | &nbsp;&nbsp;75.00% |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;2 | &nbsp;&nbsp;277 | &nbsp;&nbsp;99.28% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;70 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;14 | &nbsp;&nbsp;335 | &nbsp;&nbsp;95.82% |
| &nbsp;&nbsp;Property Attachment Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;5 | &nbsp;&nbsp;330 | &nbsp;&nbsp;98.48% |
| &nbsp;&nbsp;Property County | &nbsp;&nbsp;0 | &nbsp;&nbsp;63 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Rights | &nbsp;&nbsp;0 | &nbsp;&nbsp;17 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;0 | &nbsp;&nbsp;333 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;68 | &nbsp;&nbsp;293 | &nbsp;&nbsp;76.79% |
| &nbsp;&nbsp;Property Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;100.00% |

---

VERUS 2025-11 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 23

![](tm2529922d1_ex99-15img001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;1 | &nbsp;&nbsp;330 | &nbsp;&nbsp;99.70% |
| &nbsp;&nbsp;QM Qualifying Total Debt Income Ratio | &nbsp;&nbsp;2 | &nbsp;&nbsp;4 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;8 | &nbsp;&nbsp;315 | &nbsp;&nbsp;97.46% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;11 | &nbsp;&nbsp;293 | &nbsp;&nbsp;96.25% |
| &nbsp;&nbsp;Qualifying HLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;246 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;5 | &nbsp;&nbsp;320 | &nbsp;&nbsp;98.44% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;55 | &nbsp;&nbsp;239 | &nbsp;&nbsp;76.99% |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;4 | &nbsp;&nbsp;75.00% |
| &nbsp;&nbsp;Refinance Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;117 | &nbsp;&nbsp;99.15% |
| &nbsp;&nbsp;Reviewed Total Housing Expense PITIA | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;2 | &nbsp;&nbsp;191 | &nbsp;&nbsp;98.95% |
| &nbsp;&nbsp;Seller Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;246 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Subject Property Gross Rental income | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;314 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Total Qualified Assets Available For Reserves | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Total Qualifying Income | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;ULI | &nbsp;&nbsp;0 | &nbsp;&nbsp;24 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Verified Doc Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;42 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Vested Business Entity Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |

---

**CLARIFII THIRD PARTY REPORTS DELIVERED**

Clarifii furnished the following reports on this transaction:

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. Rating Agency Multi-Property Valuation Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11. Multi-Property 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).*

 

VERUS 2025-11 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 24

 

*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.

VERUS 2025-11 DUE DILIGENCE NARRATIVE REPORT – PAGE \| 25

## Exhibit 99.16

**EXHIBIT 99.16**

**Clarifii Rating Agency Grades Detail Report**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller 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** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| 830235 | xxxxxx D B C A | Closed | xxxxxx | 2025-08-05 10:15 | 2025-08-05 12:12 | Waived | 2 - Non-Material C B | Credit | Eligibility | Neighborhood Location Not Allowed for Program | Waived--Exception granted with comp factors to allow for Rural location. Waiver applied to non-material finding. - Due Diligence Vendor-08/05/2025 <br> Open-Primary Value Valuation Neighborhood Location Not Allowed for Program - Due Diligence Vendor-08/05/2025 |  | Waived--Exception granted with comp factors to allow for Rural location. Waiver applied to non-material finding. - Due Diligence Vendor-08/05/2025<br>| Months Reserves exceed minimum required - 92.18mos reserves. Per guides, 6 reserves required <br> DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.099 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 830235 | xxxxxx D B C A | Closed | xxxxxx | 2025-08-01 21:00 | 2025-08-05 10:21 | Waived | 2 - Non-Material C B | Credit | Eligibility | Cash To Borrower does not meet eligibility requirement(s) | Waived-Originator waiver applied to non material finding with compensating factors. Cashout over $500K allowed. - Due Diligence Vendor-08/05/2025 <br> Ready for Review-Document Uploaded. SEE PAGE 12 - Seller-08/04/2025 <br> Open-Borr Foreign National, LTV 28.57% receiving $939,163.04 at closing. Per Matrix pg12, max cash-in-hand $500,000 for LTV <= 50%. Missing actual lender exception request with comp factors (have approval) - Due Diligence Vendor-08/04/2025 | Ready for Review-Document Uploaded. SEE PAGE 12 - Seller-08/04/2025<br>| Waived-Originator waiver applied to non material finding with compensating factors. Cashout over $500K allowed. - Due Diligence Vendor-08/05/2025<br>| Months Reserves exceed minimum required - 92.18mos reserves. Per guides, 6 reserves required <br> DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.099 | 1.099 DSCR<br> 92.18 months of reserves. | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 830235 | xxxxxx D B C A | Closed | xxxxxx | 2025-08-01 21:10 | 2025-08-05 10:15 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Appraisal report with value of xxxxxx provided. - Due Diligence Vendor-08/05/2025 <br> Ready for Review-Document Uploaded. Regarding the initial appraisal with a value of xxxxxx, this file had been in the pipeline since xxxxxx when we originally did the appraisal which came in with a value of xxxxxx. Fast forward to xxxxxx the value increased to xxxxxx. A part of the exception approval was to use the value of xxxxxx - Seller-08/04/2025 <br> Open-Appraisal is Missing Missing initial Appraisal report with value of xxxxxx. Lender Exception xxxxxx in file, pg15 stated "Please continue to use the original value of xxxxxx for lending purposes." - Due Diligence Vendor-08/02/2025 | Ready for Review-Document Uploaded. Regarding the initial appraisal with a value of xxxxxx, this file had been in the pipeline since xxxxxx when we originally did the appraisal which came in with a value of xxxxxx. xxxxxx forward to xxxxxx the value increased to xxxxxx. A part of the exception approval was to use the value of xxxxxx - Seller-08/04/2025 | Resolved-Appraisal report with value of xxxxxx provided. - Due Diligence Vendor-08/05/2025 | Months Reserves exceed minimum required - 92.18mos reserves. Per guides, 6 reserves required <br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.099 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 830290 | xxxxxx C B A | Closed | xxxxxx | 2025-03-13 13:53 | 2025-04-01 10:52 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD xxxxxx, disbursement date xxxxxx. Finding resolved. - Due Diligence Vendor-03/26/2025 <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-03/13/2025 |  | Resolved-Received PCCD xxxxxx, disbursement date xxxxxx. Finding resolved. - Due Diligence Vendor-03/26/2025 | CLTV is less than guidelines maximum - Lender max CLTV is 75%, subject CLTV is 50.71%.<br> Qualifying DTI below maximum allowed - Lender max DTI is 50%, borrower DTI is 34.02%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 830290 | xxxxxx C B A | Closed | xxxxxx | 2025-03-26 10:53 | 2025-04-01 10:52 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received corrected PCCD xxxxxx with the taxes disclosed in correct section. - Due Diligence Vendor-04/01/2025 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-04/01/2025 <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 xxxxxx.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). -----NEW--- Received PCCD xxxxxx. Included in fees, Section E, Transfer Tax xxxxxx. No COC in file. Zero (0%) tolerance fees increased by xxxxxx (FTransfer Tax) 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 xxxxxx, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 1 year- Expiration date is xxxxxx.<br> - Due Diligence Vendor-03/26/2025 |  | Resolved-Received corrected PCCD xxxxxx with the taxes disclosed in correct section. - Due Diligence Vendor-04/01/2025 | CLTV is less than guidelines maximum - Lender max CLTV is 75%, subject CLTV is 50.71%.<br> Qualifying DTI below maximum allowed - Lender max DTI is 50%, borrower DTI is 34.02%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 830290 | xxxxxx C B A | Closed | xxxxxx | 2025-03-13 14:08 | 2025-03-26 10:56 | Resolved | 1 - Information C A | Compliance | TRID | TRID Initial Closing Disclosure Date and Funding Date Validation Test | Resolved-Received PCCD xxxxxx, disbursement date xxxxxx. Finding resolved. - Due Diligence Vendor-03/26/2025 <br> Counter-----Per final CD located in original file, disbursement date is xxxxxx while closing date (notary date) is xxxxxx. No new file uploaded. Finding remains. - Due Diligence Vendor-03/20/2025 <br> Open-This loan failed the TRID closing disclosure date and funding date validation test.This loan contains a closing disclosure receipt date (or closing disclosure delivery date if receipt date was not provided) that is after the funding date. Please review the loan data to ensure the dates are in the correct fields. -----Final CD shows disbursement date of xxxxxx, but closing date is xxxxxx. Provide evidence the loan did not disburse prior to closing. <br> - Due Diligence Vendor-03/13/2025 |  | Resolved-Received PCCD xxxxxx, disbursement date xxxxxx. Finding resolved. - Due Diligence Vendor-03/26/2025 | CLTV is less than guidelines maximum - Lender max CLTV is 75%, subject CLTV is 50.71%.<br> Qualifying DTI below maximum allowed - Lender max DTI is 50%, borrower DTI is 34.02%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 830290 | xxxxxx C B A | Closed | xxxxxx | 2025-03-17 14:42 | 2025-03-21 13:15 | Resolved | 1 - Information C A | Property | Property | FEMA disaster declared INDIVIDUAL | Resolved-Revised appraisal received with comments there is no damage from the recent disaster. - Due Diligence Vendor-03/21/2025 <br> Open-xxxxxx Incident Period: xxxxxx, Appraiser must comment on the adverse event and certify that there has been no changed in the valuation. - Due Diligence Vendor-03/17/2025 |  | Resolved-Revised appraisal received with comments there is no damage from the recent disaster. - Due Diligence Vendor-03/21/2025<br>| CLTV is less than guidelines maximum - Lender max CLTV is 75%, subject CLTV is 50.71%.<br> Qualifying DTI below maximum allowed - Lender max DTI is 50%, borrower DTI is 34.02%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 830290 | xxxxxx C B A | Closed | xxxxxx | 2025-03-17 16:43 | 2025-03-17 16:45 | Waived | 2 - Non-Material B | Property | Property | FEMA disaster declared PUBLIC ONLY | Waived-Client waiver applied to non material finding with comp factors. Deemed non material public only. - Due Diligence Vendor-03/17/2025 <br> Open-xxxxxx Incident Period: xxxxxx - Due Diligence Vendor-03/17/2025 |  | Waived-Client waiver applied to non material finding with comp factors. Deemed non material public only. - Due Diligence Vendor-03/17/2025<br>| CLTV is less than guidelines maximum - Lender max CLTV is 75%, subject CLTV is 50.71%.<br> Qualifying DTI below maximum allowed - Lender max DTI is 50%, borrower DTI is 34.02%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 835724 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 837436 | xxxxxx C B A | Closed | xxxxxx | 2025-07-22 14:07 | 2025-08-05 08:57 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-08/05/2025 <br>Counter-Received legal with markups-please provide complete security instrument with legal attached. - Due Diligence Vendor-07/28/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing required legal description. - Due Diligence Vendor-07/22/2025 |  | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-08/05/2025<br>| LTV is less than guideline maximum - LTV 52% LTV. Allowed 65%<br> Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 757; guidelines require 700. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 837436 | xxxxxx C B A | Closed | xxxxxx | 2025-07-24 12:09 | 2025-07-24 12:09 | Waived | 2 - Non-Material B | Credit | Closing | Prepayment Penalty Issue | Waived-Loan was locked and registered with a Prepayment Penalty and held in an entity. Waiver applied to non-material finding with comp factors - Due Diligence Vendor-07/24/2025 <br> Open-A PPP cannot be applied to an individual or LLC in xxxxxx, only on a C-Corp or S-Corp. Loan closed in LLC - Due Diligence Vendor-07/24/2025 |  | Waived-Loan was locked and registered with a Prepayment Penalty and held in an entity. Waiver applied to non-material finding with comp factors - Due Diligence Vendor-07/24/2025<br>| LTV is less than guideline maximum - LTV 52% LTV. Allowed 65%<br> Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 757; guidelines require 700. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 837625 | xxxxxx C B A | Closed | xxxxxx | 2025-08-22 09:55 | 2025-09-05 10:20 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received grant deed. - Due Diligence Vendor-09/05/2025 <br> Ready for Review-Document Uploaded. - Buyer-09/04/2025 <br> Counter-Received Escrow Instructions reflect title to be vested as individual-missing Warranty Deed. - Due Diligence Vendor-09/03/2025 <br> Open-Property Title Issue The title does not indicate proposed vested name. The title is currently in LLC. - Due Diligence Vendor-08/22/2025 |  | Resolved-Received grant deed. - Due Diligence Vendor-09/05/2025<br>| LTV is less than guideline maximum - Max 80%, actual 70%<br> Qualifying FICO score is at least 20 points above minimum for program - Min 720, actual 741<br> Months Reserves exceed minimum required - MIn 6, actual 78.51<br> Qualifying DTI below maximum allowed - Max 50%, actual 1.84% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 837625 | xxxxxx C B A | Closed | xxxxxx | 2025-08-22 10:24 | 2025-09-03 10:38 | Resolved | 1 - Information C A | Credit | Insurance | Fidelity Coverage not met | Resolved-Received Master liability coverage confirming sufficient Fidelity/Crime coverage. - Due Diligence Vendor-09/03/2025 <br>Open-Fidelity Coverage not met. No Fidelity coverage reflected on policy - Due Diligence Vendor-08/22/2025 |  | Resolved-Received Master liability coverage confirming sufficient Fidelity/Crime coverage. - Due Diligence Vendor-09/03/2025<br>| LTV is less than guideline maximum - Max 80%, actual 70%<br> Qualifying FICO score is at least 20 points above minimum for program - Min 720, actual 741<br> Months Reserves exceed minimum required - MIn 6, actual 78.51<br> Qualifying DTI below maximum allowed - Max 50%, actual 1.84% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 837625 | xxxxxx C B A | Closed | xxxxxx | 2025-08-22 10:52 | 2025-09-03 10:25 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received credit supplement reflecting 12months. - Due Diligence Vendor-09/03/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Missing 11 months history. Borrower purchased investment xxxxxx pg. 174. Mtg stmt indicates beginning balance xxxxxx with 1 payment reflected pg. 169. Hud-1 reflects loan closed with xxxxxx pg. 174 - Due Diligence Vendor-08/22/2025 |  | Resolved-Received credit supplement reflecting 12months. - Due Diligence Vendor-09/03/2025<br>| LTV is less than guideline maximum - Max 80%, actual 70%<br> Qualifying FICO score is at least 20 points above minimum for program - Min 720, actual 741<br> Months Reserves exceed minimum required - MIn 6, actual 78.51<br> Qualifying DTI below maximum allowed - Max 50%, actual 1.84% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 837625 | xxxxxx C B A | Closed | xxxxxx | 2025-08-20 12:25 | 2025-08-20 13:10 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-08/20/2025 |  | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-08/20/2025<br>| LTV is less than guideline maximum - Max 80%, actual 70%<br> Qualifying FICO score is at least 20 points above minimum for program - Min 720, actual 741<br> Months Reserves exceed minimum required - MIn 6, actual 78.51<br> Qualifying DTI below maximum allowed - Max 50%, actual 1.84% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 837813 | xxxxxx D B A C | Closed | xxxxxx | 2025-09-08 14:23 | 2025-09-17 14:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Received complete commitment w/sufficient coverage and vesting. - Due Diligence Vendor-09/17/2025 <br> Open-Title Document is Incomplete Title supplement not in file to document vesting, loan and insurance amount. DOT in name of individual, but provided trust docs? Current vesting in name of borrower and nonborrower reflected on DOT. - Due Diligence Vendor-09/08/2025 |  | Resolved-Received complete commitment w/sufficient coverage and vesting. - Due Diligence Vendor-09/17/2025<br>| Months Reserves exceed minimum required - Total qualifying 39 months reserves; 3 months reserves required<br> Qualifying FICO score is at least 20 points above minimum for program - • Qualifying FICO 663 and Guideline minimum 620. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 837813 | xxxxxx D B A C | Closed | xxxxxx | 2025-09-06 11:59 | 2025-09-17 10:34 | Resolved | 1 - Information C A | Compliance | Disclosure | RESPA Homeownership Counseling Organizations Disclosure Date Test | Resolved-Received homeownership counseling organizations disclosure dated xxxxxx, finding resolved. - Due Diligence Vendor-09/17/2025 <br> Open-This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a))The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's application date (or the date creditor received application if loan originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than 30 days prior to the time when the list is provided to the loan applicant from either:(1)The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(2)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.This calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NonePlease note: This test does not validate the content of any list of homeownership counseling organizations. -----The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's application date, xxxxxx. - Due Diligence Vendor-09/08/2025 |  | Resolved-Received homeownership counseling organizations disclosure dated xxxxxx, finding resolved. - Due Diligence Vendor-09/17/2025 | Months Reserves exceed minimum required - Total qualifying 39 months reserves; 3 months reserves required<br> Qualifying FICO score is at least 20 points above minimum for program - • Qualifying FICO 663 and Guideline minimum 620. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 837813 | xxxxxx D B A C | Closed | xxxxxx | 2025-09-06 11:17 | 2025-09-06 11:17 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-09/06/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-09/06/2025<br>| Months Reserves exceed minimum required - Total qualifying 39 months reserves; 3 months reserves required<br> Qualifying FICO score is at least 20 points above minimum for program - • Qualifying FICO 663 and Guideline minimum 620. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 838649 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 839382 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 839503 | xxxxxx D B C A | Closed | xxxxxx | 2025-09-09 11:38 | 2025-10-14 16:56 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved--Desk Review provided that supports value of original appraisal. - Due Diligence Vendor-10/14/2025 <br>Open-a third party valuation product is required to support the original value - Due Diligence Vendor-09/09/2025 |  | Resolved--Desk Review provided that supports value of original appraisal. - Due Diligence Vendor-10/14/2025<br>| Months Reserves exceed minimum required - Min reservs req'd 3 mths- Borrowers have 102.51 ths in reserves<br> Qualifying DTI below maximum allowed - DIT is 36%, below max of 50%<br> LTV is less than guideline maximum - Max LTV allowed 85%- Borrower's LTV 80% | 36% DTI<br> 102 months of reserves. | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 839503 | xxxxxx D B C A | Closed | xxxxxx | 2025-07-10 09:17 | 2025-10-14 16:55 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-10/14/2025 <br>Resolved-After further review, the lender guidelines do not require a P & L or refer to xxxxxx for self-employed borrowers. - Due Diligence Vendor-08/20/2025 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Income / credit findings. - Due Diligence Vendor-07/10/2025 |  | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-10/14/2025 <br>Resolved-After further review, the lender guidelines do not require a P & L or refer to xxxxxx for self-employed borrowers. - Due Diligence Vendor-08/20/2025<br>| Months Reserves exceed minimum required - Min reservs req'd 3 mths- Borrowers have 102.51 ths in reserves<br> Qualifying DTI below maximum allowed - DIT is 36%, below max of 50%<br> LTV is less than guideline maximum - Max LTV allowed 85%- Borrower's LTV 80% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 839503 | xxxxxx D B C A | Closed | xxxxxx | 2025-07-09 19:20 | 2025-09-09 19:50 | Waived | 2 - Non-Material C B | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Waived-Delinquent Credit History Does Not Meet Guideline Requirements B1 wants to leave collection with xxxxxx for $xxxxxx and can't get ahold of the collector and / or get a payoff and does not want to pay collection. <br> Client exception granted and in file. Waiver applied with comp factors. Exception deemed non-material due to strong compensating factors. - Due Diligence Vendor-09/09/2025 <br> Open-Delinquent Credit History Does Not Meet Guideline Requirements B1 wants to leave collection with xxxxxx for $xxxxxx and can't get ahold of the collector and / or get a payoff and does not want to pay collection. - Due Diligence Vendor-09/09/2025 |  | Waived-Delinquent Credit History Does Not Meet Guideline Requirements B1 wants to leave collection with xxxxxx for $xxxxxx and can't get ahold of the collector and / or get a payoff and does not want to pay collection. <br> Client exception granted and in file. Waiver applied with comp factors. Exception deemed non-material due to strong compensating factors. - Due Diligence Vendor-09/09/2025 | Months Reserves exceed minimum required - Min reservs req'd 3 mths- Borrowers have 102.51 ths in reserves<br> Qualifying DTI below maximum allowed - DIT is 36%, below max of 50%<br> LTV is less than guideline maximum - Max LTV allowed 85%- Borrower's LTV 80% | LTV 5% or more below max allowed under applicable guidelines<br> Reserves exceed requirements by 10mths or more<br> DTI< = 40% which is below requirements in guidelines | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 839503 | xxxxxx D B C A | Closed | xxxxxx | 2025-07-09 18:49 | 2025-08-20 17:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 YTD Profit & Loss Missing | Resolved-After further review, the lender guidelines do not require a P & L or refer to xxxxxx for self-employed borrowers. - Due Diligence Vendor-08/20/2025 <br>Counter-Received income calc worksheets-documentation is insufficient-missing 2024 and YTD P&Ls. Original finding remains. - Due Diligence Vendor-08/06/2025 <br>Open-Borrower 2 YTD Profit & Loss Missing Provide YTD P&L for B2 - Due Diligence Vendor-07/09/2025 |  | Resolved-After further review, the lender guidelines do not require a P & L or refer to xxxxxx for self-employed borrowers. - Due Diligence Vendor-08/20/2025<br>| Months Reserves exceed minimum required - Min reservs req'd 3 mths- Borrowers have 102.51 ths in reserves<br> Qualifying DTI below maximum allowed - DIT is 36%, below max of 50%<br> LTV is less than guideline maximum - Max LTV allowed 85%- Borrower's LTV 80% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 839503 | xxxxxx D B C A | Closed | xxxxxx | 2025-07-09 18:49 | 2025-08-20 17:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 YTD Profit & Loss Missing | Resolved-After further review, the lender guidelines do not require a P & L or refer to xxxxxx for self-employed borrowers. - Due Diligence Vendor-08/20/2025 <br>Counter-Received income calc worksheets-documentation is insufficient-missing 2024 and YTD P&Ls. Original finding remains. - Due Diligence Vendor-07/21/2025 <br>Open-Borrower 1 YTD Profit & Loss Missing Provide YTD P&L for B1 - Due Diligence Vendor-07/09/2025 |  | Resolved-After further review, the lender guidelines do not require a P & L or refer to xxxxxx for self-employed borrowers. - Due Diligence Vendor-08/20/2025<br>| Months Reserves exceed minimum required - Min reservs req'd 3 mths- Borrowers have 102.51 ths in reserves<br> Qualifying DTI below maximum allowed - DIT is 36%, below max of 50%<br> LTV is less than guideline maximum - Max LTV allowed 85%- Borrower's LTV 80% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 839503 | xxxxxx D B C A | Closed | xxxxxx | 2025-07-09 19:51 | 2025-08-11 08:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Application | Resolved-Received 1008 - Due Diligence Vendor-08/11/2025 <br>Counter-Received note-see attached. No upload provided. Please provide final 1008 reflecting correct appraised value and LTV. - Due Diligence Vendor-08/05/2025 <br>Counter-Received duplicate 1008-appraised value, LTV differs. Please provide final correct 1008. - Due Diligence Vendor-07/25/2025 <br>Counter-Received duplicate 1008-appraised value, LTV differs. Please provide final correct 1008. - Due Diligence Vendor-07/18/2025 <br>Open-Provide the final correct 1008/ Transmittal. - Due Diligence Vendor-07/09/2025 |  | Resolved-Received 1008 - Due Diligence Vendor-08/11/2025<br>| Months Reserves exceed minimum required - Min reservs req'd 3 mths- Borrowers have 102.51 ths in reserves<br> Qualifying DTI below maximum allowed - DIT is 36%, below max of 50%<br> LTV is less than guideline maximum - Max LTV allowed 85%- Borrower's LTV 80% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 839503 | xxxxxx D B C A | Closed | xxxxxx | 2025-07-09 19:49 | 2025-08-01 09:41 | Resolved | 1 - Information C A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-Received complete B2 1003 - Due Diligence Vendor-08/01/2025 <br>Counter-Received 1003 for B1-missing for B2-finding remains. - Due Diligence Vendor-07/25/2025 <br>Counter-Provide complete, legible 1003 reflecting both borrowers, all business, income liabilities. - Due Diligence Vendor-07/18/2025 <br>Open-Provide all pages of the final 1003 for B2 to include the all obligations on credit. - Due Diligence Vendor-07/09/2025 |  | Resolved-Received complete B2 1003 - Due Diligence Vendor-08/01/2025<br>| Months Reserves exceed minimum required - Min reservs req'd 3 mths- Borrowers have 102.51 ths in reserves<br> Qualifying DTI below maximum allowed - DIT is 36%, below max of 50%<br> LTV is less than guideline maximum - Max LTV allowed 85%- Borrower's LTV 80% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 839503 | xxxxxx D B C A | Closed | xxxxxx | 2025-07-09 19:42 | 2025-08-01 09:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing evidence tax return extension was filed. | Resolved-Received 2024 1040 extension. - Due Diligence Vendor-08/01/2025 <br> Counter-Received 2024 extensions for all business filings-missing personal 1040 2024 extension. - Due Diligence Vendor-07/25/2025 <br> Counter-Received 2024 extension for xxxxxx-missing all xxxxxx extensions as well as personal 1040s extension. - Due Diligence Vendor-07/18/2025 <br> Open-Provide for B1 & B2 proof of extensions filed for personal and business returns.<br> - Due Diligence Vendor-07/09/2025 |  | Resolved-Received 2024 1040 extension. - Due Diligence Vendor-08/01/2025<br>| Months Reserves exceed minimum required - Min reservs req'd 3 mths- Borrowers have 102.51 ths in reserves<br> Qualifying DTI below maximum allowed - DIT is 36%, below max of 50%<br> LTV is less than guideline maximum - Max LTV allowed 85%- Borrower's LTV 80% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 839503 | xxxxxx D B C A | Closed | xxxxxx | 2025-07-09 19:59 | 2025-07-31 09:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Received complete 1003 for B2 - Due Diligence Vendor-07/31/2025 <br> Counter-Received partial business returns. Missing 2022 for xxxxxx. Provide individual uploads. Must have 2024 P&L and legible 1003 - required for review. - Due Diligence Vendor-07/18/2025 <br> Open-Provide the 2 years business returns for B2 for all businesses listed on the final 1003. - Due Diligence Vendor-07/14/2025 |  | Resolved-Received complete 1003 for B2 - Due Diligence Vendor-07/31/2025<br>| Months Reserves exceed minimum required - Min reservs req'd 3 mths- Borrowers have 102.51 ths in reserves<br> Qualifying DTI below maximum allowed - DIT is 36%, below max of 50%<br> LTV is less than guideline maximum - Max LTV allowed 85%- Borrower's LTV 80% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 839503 | xxxxxx D B C A | Closed | xxxxxx | 2025-07-09 19:23 | 2025-07-24 09:39 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received Fraud Report reflecting cleared. - Due Diligence Vendor-07/24/2025 <br>Counter-Review was unable to open file from 7/16 - please re upload. - Due Diligence Vendor-07/18/2025 <br>Open-Fraud Report Shows Uncleared Alerts Provide Fraud Report with a score and all cleared alerts - Due Diligence Vendor-07/09/2025 |  | Resolved-Received Fraud Report reflecting cleared. - Due Diligence Vendor-07/24/2025<br>| Months Reserves exceed minimum required - Min reservs req'd 3 mths- Borrowers have 102.51 ths in reserves<br> Qualifying DTI below maximum allowed - DIT is 36%, below max of 50%<br> LTV is less than guideline maximum - Max LTV allowed 85%- Borrower's LTV 80% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 839503 | xxxxxx D B C A | Closed | xxxxxx | 2025-07-09 19:44 | 2025-07-18 09:34 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received mortgage statements for xxxxxx - Due Diligence Vendor-07/18/2025 <br> Open-Provide for B2: Mortgage statements for xxxxxx. - Due Diligence Vendor-07/09/2025 |  | Resolved-Received mortgage statements for xxxxxx - Due Diligence Vendor-07/18/2025 | Months Reserves exceed minimum required - Min reservs req'd 3 mths- Borrowers have 102.51 ths in reserves<br> Qualifying DTI below maximum allowed - DIT is 36%, below max of 50%<br> LTV is less than guideline maximum - Max LTV allowed 85%- Borrower's LTV 80% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 839503 | xxxxxx D B C A | Closed | xxxxxx | 2025-07-09 19:28 | 2025-07-18 09:18 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received credit inquiry for both borrowers. - Due Diligence Vendor-07/18/2025 <br>Open-LOX for credit inquiries is missing. Provide Credit Inquiry Letters for B1 & B2. - Due Diligence Vendor-07/09/2025 |  | Resolved-Received credit inquiry for both borrowers. - Due Diligence Vendor-07/18/2025<br>| Months Reserves exceed minimum required - Min reservs req'd 3 mths- Borrowers have 102.51 ths in reserves<br> Qualifying DTI below maximum allowed - DIT is 36%, below max of 50%<br> LTV is less than guideline maximum - Max LTV allowed 85%- Borrower's LTV 80% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 839503 | xxxxxx D B C A | Closed | xxxxxx | 2025-07-09 18:49 | 2025-07-18 09:12 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 2 Tax Returns Not Signed | Resolved-Received signed personal and xxxxxx tax returns. - Due Diligence Vendor-07/18/2025 <br> Open-Borrower 2 Tax Returns Not Signed B2 to sign personal and business returns - Due Diligence Vendor-07/09/2025 |  | Resolved-Received signed personal and xxxxxx tax returns. - Due Diligence Vendor-07/18/2025 | Months Reserves exceed minimum required - Min reservs req'd 3 mths- Borrowers have 102.51 ths in reserves<br> Qualifying DTI below maximum allowed - DIT is 36%, below max of 50%<br> LTV is less than guideline maximum - Max LTV allowed 85%- Borrower's LTV 80% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 839503 | xxxxxx D B C A | Closed | xxxxxx | 2025-07-08 08:39 | 2025-07-18 08:54 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Upon further review, finding resolved. - Due Diligence Vendor-07/18/2025 <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 $5,168.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-07/08/2025 |  | Resolved-Upon further review, finding resolved. - Due Diligence Vendor-07/18/2025<br>| Months Reserves exceed minimum required - Min reservs req'd 3 mths- Borrowers have 102.51 ths in reserves<br> Qualifying DTI below maximum allowed - DIT is 36%, below max of 50%<br> LTV is less than guideline maximum - Max LTV allowed 85%- Borrower's LTV 80% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 839503 | xxxxxx D B C A | Closed | xxxxxx | 2025-07-08 08:39 | 2025-07-18 08:49 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-----Received Initial LE, SPL , finding resolved. - Due Diligence Vendor-07/18/2025 <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% ($266.00) exceed the comparable charges ($0.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). - Due Diligence Vendor-07/08/2025 |  | Resolved-----Received Initial LE, SPL , finding resolved. - Due Diligence Vendor-07/18/2025<br>| Months Reserves exceed minimum required - Min reservs req'd 3 mths- Borrowers have 102.51 ths in reserves<br> Qualifying DTI below maximum allowed - DIT is 36%, below max of 50%<br> LTV is less than guideline maximum - Max LTV allowed 85%- Borrower's LTV 80% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 839503 | xxxxxx D B C A | Closed | xxxxxx | 2025-07-08 08:39 | 2025-07-18 08:49 | Resolved | 1 - Information C A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved-----Received Initial LE, SPL , finding resolved. - Due Diligence Vendor-07/18/2025 <br> Open-This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A))The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into xxxxxx, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $0, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. ......Missing initial LE dated within 3 days of Application date. Additional Findings may apply upon receipt. Statue of Limitations - 1 year, expiration date xxxxxx. - Due Diligence Vendor-07/08/2025 |  | Resolved-----Received Initial LE, SPL , finding resolved. - Due Diligence Vendor-07/18/2025<br>| Months Reserves exceed minimum required - Min reservs req'd 3 mths- Borrowers have 102.51 ths in reserves<br> Qualifying DTI below maximum allowed - DIT is 36%, below max of 50%<br> LTV is less than guideline maximum - Max LTV allowed 85%- Borrower's LTV 80% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 839513 | xxxxxx C A | Closed | xxxxxx | 2025-07-15 12:32 | 2025-08-06 12:19 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Signed W9 provided with the EIN number. - Due Diligence Vendor-08/06/2025 <br>Counter-W9 is filled out by the borrower. 3rd party verification of the EIN should be provided. - Due Diligence Vendor-07/28/2025 <br>Counter-Received vested entity document-missing EIN confirmation from IRS or acceptable 3rd party - received only W9. - Due Diligence Vendor-07/21/2025 <br>Open-The Business Entity Formation Document is Missing. Investor to review and approve all Entity documentation. Business Entity Formation Document is Missing. - Due Diligence Vendor-07/15/2025 |  | Resolved-Signed W9 provided with the EIN number. - Due Diligence Vendor-08/06/2025<br>| Months Reserves exceed minimum required - 6 months reserves; 3 months reserves required.<br> LTV is less than guideline maximum - LTV 65% LTV. Allowed 75% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 839860 | xxxxxx C B A | Closed | xxxxxx | 2025-08-01 13:12 | 2025-09-05 11:56 | Waived | 2 - Non-Material C B | Credit | Insurance | Flood Insurance Effective Date is after the Note Date | Waived-Client provided a waiver for Flood Insurance Effective Date 1 day after disbursement date, applied to non material finding with comp factors - Due Diligence Vendor-10/14/2025 <br> Open-Flood Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx Per settlement statement loan disbursement was xxxxxx which was prior to the effective date of the flood insurance xxxxxx - Due Diligence Vendor-08/01/2025 |  | Waived-Client provided a waiver for Flood Insurance Effective Date 1 day after disbursement date, applied to non material finding with comp factors - Due Diligence Vendor-10/14/2025<br>| Months Reserves exceed minimum required - 2 months reserves required / borrower reserves 20 months<br> Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700 / Borrower FICO 753 | Credit Score 30+ points > minimum required<br> Reserves exceed requirement by 10 months or more | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 839860 | xxxxxx C B A | Closed | xxxxxx | 2025-08-01 12:29 | 2025-08-22 09:59 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-After further review, the county requires 2 witnesses witnesses for deeds of conveyance, not for refinances. - Due Diligence Vendor-08/22/2025 <br> Counter-xxxxxx requires witnesses. - Due Diligence Vendor-08/11/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. xxxxxx requires 2 witnesses to sign DOT - Due Diligence Vendor-08/01/2025 |  | Resolved-After further review, the county requires 2 witnesses witnesses for deeds of conveyance, not for refinances. - Due Diligence Vendor-08/22/2025<br>| Months Reserves exceed minimum required - 2 months reserves required / borrower reserves 20 months<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700 / Borrower FICO 753 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 839893 | xxxxxx C A | Closed | xxxxxx | 2025-08-07 10:13 | 2025-08-19 09:11 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received credit supplement. - Due Diligence Vendor-08/19/2025 <br> Open-Housing History Does Not Meet Guideline Requirements- Missing 12 months mortgage history for subject. not reported on credit report. only mtg stmt provided for xxxxxx statement. - Due Diligence Vendor-08/07/2025 |  | Resolved-Received credit supplement. - Due Diligence Vendor-08/19/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 776; minimum score 700.<br>Months Reserves exceed minimum required - 17.11 months PITIA reserves; 2 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 839974 | xxxxxx D A | Closed | xxxxxx | 2025-07-16 12:23 | 2025-07-21 10:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Chain of title provided. - Due Diligence Vendor-07/21/2025 <br>Counter-Received preliminary title-missing 24 months chain of title. - Due Diligence Vendor-07/18/2025 <br>Ready for Review-Document Uploaded. - Seller-07/17/2025 <br>Open-Title Document is missing. Additionally, findings may apply upon receipt. - Due Diligence Vendor-07/16/2025 | Ready for Review-Document Uploaded. - Seller-07/17/2025<br>| Resolved-Chain of title provided. - Due Diligence Vendor-07/21/2025<br>| Long term residence - 20 Years. <br>Months Reserves exceed minimum required - 8 months reserves; 6 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 839974 | xxxxxx D A | Closed | xxxxxx | 2025-07-16 12:44 | 2025-07-18 15:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received complete fraud report. - Due Diligence Vendor-07/18/2025 <br>Ready for Review-Document Uploaded. - Seller-07/17/2025 <br>Open-Missing Third Party Fraud Report. - Due Diligence Vendor-07/16/2025 | Ready for Review-Document Uploaded. - Seller-07/17/2025<br>| Resolved-Received complete fraud report. - Due Diligence Vendor-07/18/2025<br>| Long term residence - 20 Years. <br>Months Reserves exceed minimum required - 8 months reserves; 6 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 839974 | xxxxxx D A | Closed | xxxxxx | 2025-07-16 12:38 | 2025-07-18 14:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Received Flood Cert. - Due Diligence Vendor-07/18/2025 <br>Ready for Review-Document Uploaded. - Seller-07/17/2025 <br>Open-Missing Flood Certificate . - Due Diligence Vendor-07/16/2025 | Ready for Review-Document Uploaded. - Seller-07/17/2025<br>| Resolved-Received Flood Cert. - Due Diligence Vendor-07/18/2025<br>| Long term residence - 20 Years. <br>Months Reserves exceed minimum required - 8 months reserves; 6 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 839974 | xxxxxx D A | Closed | xxxxxx | 2025-07-16 12:38 | 2025-07-18 14:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Received HOI policy - Due Diligence Vendor-07/18/2025 <br>Ready for Review-Document Uploaded. - Seller-07/17/2025 <br>Open-Missing Hazard Insurance Policy. - Due Diligence Vendor-07/16/2025 | Ready for Review-Document Uploaded. - Seller-07/17/2025<br>| Resolved-Received HOI policy - Due Diligence Vendor-07/18/2025<br>| Long term residence - 20 Years. <br>Months Reserves exceed minimum required - 8 months reserves; 6 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 839974 | xxxxxx D A | Closed | xxxxxx | 2025-07-16 12:34 | 2025-07-18 14:40 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received secondary valuation. - Due Diligence Vendor-07/18/2025 <br>Ready for Review-Document Uploaded. - Seller-07/17/2025 <br>Open-Additional valuation product has not been provided. - Due Diligence Vendor-07/16/2025 | Ready for Review-Document Uploaded. - Seller-07/17/2025<br>| Resolved-Received secondary valuation. - Due Diligence Vendor-07/18/2025<br>| Long term residence - 20 Years. <br>Months Reserves exceed minimum required - 8 months reserves; 6 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 839974 | xxxxxx D A | Closed | xxxxxx | 2025-07-16 12:18 | 2025-07-18 14:35 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Received business entity documentation. - Due Diligence Vendor-07/18/2025 <br>Ready for Review-Document Uploaded. - Seller-07/17/2025 <br>Open-The Business Entity Formation Document is Missing. Investor to review and approve all Entity documentation. - Due Diligence Vendor-07/16/2025 | Ready for Review-Document Uploaded. - Seller-07/17/2025<br>| Resolved-Received business entity documentation. - Due Diligence Vendor-07/18/2025<br>| Long term residence - 20 Years. <br>Months Reserves exceed minimum required - 8 months reserves; 6 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 839974 | xxxxxx D A | Closed | xxxxxx | 2025-07-16 10:25 | 2025-07-18 14:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received passport. - Due Diligence Vendor-07/18/2025 <br>Ready for Review-Document Uploaded. - Seller-07/17/2025 <br>Open-Borrower Citizenship Documentation Is Missing . - Due Diligence Vendor-07/16/2025 | Ready for Review-Document Uploaded. - Seller-07/17/2025<br>| Resolved-Received passport. - Due Diligence Vendor-07/18/2025<br>| Long term residence - 20 Years. <br>Months Reserves exceed minimum required - 8 months reserves; 6 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 840077 | xxxxxx D A | Closed | xxxxxx | 2025-07-18 08:15 | 2025-07-30 09:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received fraud report. - Due Diligence Vendor-07/30/2025 <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-07/18/2025 |  | Resolved-Received fraud report. - Due Diligence Vendor-07/30/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - 1.085<br>Qualifying FICO score is at least 20 points above minimum for program - 733 vs. min FICO 620 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840077 | xxxxxx D A | Closed | xxxxxx | 2025-07-18 07:57 | 2025-07-30 09:30 | 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-07/30/2025 <br>Open-The Business Purpose Affidavit Disclosure is Missing Per the guides, both a Business Purpose Affidavit and an Occupancy cert are required. - Due Diligence Vendor-07/18/2025 |  | Resolved-The Business Purpose Affidavit Disclosure is Present or Not Applicable - Due Diligence Vendor-07/30/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - 1.085<br>Qualifying FICO score is at least 20 points above minimum for program - 733 vs. min FICO 620 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840077 | xxxxxx D A | Closed | xxxxxx | 2025-07-18 12:43 | 2025-07-29 08:49 | Resolved | 1 - Information C A | Credit | Eligibility | Prepayment Penalty is not allowed | Resolved-DOT contains Governing Law Paragraph - #17 on DOT. - Due Diligence Vendor-07/29/2025 <br> Open-Note is missing the following - Note must specifically include Choice of Law - Title 12, Subtitle 12, Subtitle 10 Credit to Grantor \*This loan is made pursuant to Title 12, Subtitle 10 of the xxxxxx Commercial Law Article for Credit Grantor Closed-End Credit \*\*\*Should the Note/Mortgage/Rider contain the 'Governing Laws' paragraph, the specific language above is not needed to be present - Due Diligence Vendor-07/18/2025 |  | Resolved-DOT contains Governing Law Paragraph - #17 on DOT. - Due Diligence Vendor-07/29/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - 1.085<br>Qualifying FICO score is at least 20 points above minimum for program - 733 vs. min FICO 620 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840150 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 840165 | xxxxxx D B A | Closed | xxxxxx | 2025-09-17 09:04 | 2025-09-23 13:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Open Corporates received with processor cert. confirming the date. - Due Diligence Vendor-09/23/2025 <br>Ready for Review-Document Uploaded. - Seller-09/23/2025 <br>Counter-Open Corporates received does not reflect a date printed-please provide VVOE form confirming date. - Due Diligence Vendor-09/22/2025 <br>Ready for Review-Document Uploaded. - Seller-09/18/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing VVOE. - Due Diligence Vendor-09/17/2025 | Ready for Review-Document Uploaded. - Seller-09/23/2025 <br>Ready for Review-Document Uploaded. - Seller-09/18/2025<br>| Resolved-Open Corporates received with processor cert. confirming the date. - Due Diligence Vendor-09/23/2025<br>| LTV is less than guideline maximum - Max LTV is 70%; qualifying LTV is 30.12%.<br>Months Reserves exceed minimum required - Months reserves required is 0; qualifying reserves is 49.73 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840165 | xxxxxx D B A | Closed | xxxxxx | 2025-09-17 10:02 | 2025-09-18 16:27 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client waiver applied to non-material finding with compensating factors- Deferment on loan in questions began on xxxxxx and ended on xxxxxx and no late payments reported in 12 months. This was confirmed by the lender, deferment balance is being paid off prior to closing. - Due Diligence Vendor-09/18/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Lender Exception in file for lending behind first lien with deferred loan being paid at closing and not having 12 months pay history. - Due Diligence Vendor-09/17/2025 |  | Waived-Client waiver applied to non-material finding with compensating factors- Deferment on loan in questions began on xxxxxx and ended on xxxxxx and no late payments reported in 12 months. This was confirmed by the lender, deferment balance is being paid off prior to closing. - Due Diligence Vendor-09/18/2025 | LTV is less than guideline maximum - Max LTV is 70%; qualifying LTV is 30.12%.<br>Months Reserves exceed minimum required - Months reserves required is 0; qualifying reserves is 49.73 months. | CLTV 63%<br> Credit Reporting 0x 30<br> FICO 784<br> Reserves: 39.17 months | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 840178 | xxxxxx D A | Closed | xxxxxx | 2025-07-21 10:44 | 2025-07-25 10:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Received preliminary title report. - Due Diligence Vendor-07/25/2025 <br>Open-Title Document is missing - Due Diligence Vendor-07/21/2025 |  | Resolved-Received preliminary title report. - Due Diligence Vendor-07/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 744; guidelines require 680. <br>Months Reserves exceed minimum required - 115 months reserves; 2 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840220 | xxxxxx D A | Closed | xxxxxx | 2025-07-19 10:10 | 2025-09-16 15:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Insurance Policy Missing | Resolved-Flood insurance dec page provided. - Due Diligence Vendor-09/16/2025 <br>Counter-Received a renewal term notification for another property and borrower. Finding remains-please provide Flood Insurance Policy. - Due Diligence Vendor-09/16/2025 <br>Counter-Received Flood Insurance Quote-please provide Flood Insurance Policy. - Due Diligence Vendor-09/11/2025 <br>Open-Missing Flood Insurance Policy - File contains receipt for payment but no policy. Additional findings may apply. - Due Diligence Vendor-07/19/2025 |  | Resolved-Flood insurance dec page provided. - Due Diligence Vendor-09/16/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680 / Borrower FICO 763<br>Qualifying DTI below maximum allowed - Max DTI 50% / Borrower DTI 37.82% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840220 | xxxxxx D A | Closed | xxxxxx | 2025-07-19 10:10 | 2025-09-16 15:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Received HOI policy. - Due Diligence Vendor-09/11/2025 <br>Open-Missing Hazard Insurance Policy - Due Diligence Vendor-07/19/2025 |  | Resolved-Received HOI policy. - Due Diligence Vendor-09/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680 / Borrower FICO 763<br>Qualifying DTI below maximum allowed - Max DTI 50% / Borrower DTI 37.82% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840220 | xxxxxx D A | Closed | xxxxxx | 2025-07-22 14:30 | 2025-09-11 11:17 | Resolved | 1 - Information C A | Credit | Eligibility | Property/Appraisal General (Credit) | Resolved-Received PUD Rider with intent to re record. - Due Diligence Vendor-09/11/2025 <br>Counter-Received confirmation of PUD endorsement from title. Missing PUD Rider on security instrument. - Due Diligence Vendor-08/12/2025 <br>Open-Appraisal shows subject is a PUD however title does not indicate a PUD endorsement. - Due Diligence Vendor-07/22/2025 |  | Resolved-Received PUD Rider with intent to re record. - Due Diligence Vendor-09/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680 / Borrower FICO 763<br>Qualifying DTI below maximum allowed - Max DTI 50% / Borrower DTI 37.82% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840449 | xxxxxx D A | Closed | xxxxxx | 2025-07-21 11:37 | 2025-07-31 09:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Per the guidelines, Alien Registration Receipt Card I-551 (referred to as a green card). The card has the expiration date on the the front of the card, no further documentastion required. - Due Diligence Vendor-07/31/2025 <br> Counter-Received page 1 of permanent resident card-please provide back side of card. - Due Diligence Vendor-07/24/2025 <br> Open-Missing citizenship documents. - Due Diligence Vendor-07/21/2025 |  | Resolved-Per the guidelines, Alien Registration Receipt Card I-551 (referred to as a green card). The card has the expiration date on the the front of the card, no further documentastion required. - Due Diligence Vendor-07/31/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 21 months reserves; 2 months reserves required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 840449 | xxxxxx D A | Closed | xxxxxx | 2025-07-21 11:31 | 2025-07-24 08:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Missing | Resolved-Received Guaranty Agreement. - Due Diligence Vendor-07/24/2025 <br>Open-The Subject Loan is a Business Purpose Loan but the Guaranty Agreement Doc is 'Missing'. Missing Guaranty - Due Diligence Vendor-07/21/2025 |  | Resolved-Received Guaranty Agreement. - Due Diligence Vendor-07/24/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 21 months reserves; 2 months reserves required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 840449 | xxxxxx D A | Closed | xxxxxx | 2025-07-20 20:34 | 2025-07-23 13:55 | Resolved | 1 - Information C A | Credit | Closing | The Deed of Trust is Incomplete | Resolved-Documentation provided confirming the borrower is the sole member. - Due Diligence Vendor-07/23/2025 <br>Open-The Deed of Trust is Incomplete LLC indicate two members but did not identify percentage of ownership to confirm if additional listed member must be on DOT. - Due Diligence Vendor-07/21/2025 |  | Resolved-Documentation provided confirming the borrower is the sole member. - Due Diligence Vendor-07/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 21 months reserves; 2 months reserves required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 840703 | xxxxxx C A | Closed | xxxxxx | 2025-07-29 10:50 | 2025-07-31 17:35 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received confirmation subject mortgage was paid in full in xxxxxx although just recently released. - Due Diligence Vendor-07/31/2025 <br> Ready for Review-Document Uploaded. Please see the attached LOX - there is not mortgage history - the borrower paid off the mortgage in xxxxxx however the mortgage company did not file the satisfaction of mortgage until he started his loan process this year and discovered it has never been released. - Seller-07/29/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Missing 12-month mortgage payment history for subject property. File includes a copy of a mortgage dated xxxxxx for xxxxxx (PDF 458) and a mortgage satisfaction dated xxxxxx (PDF 424) with no payment history prior to the mortgage payoff. - Due Diligence Vendor-07/29/2025 | Ready for Review-Document Uploaded. Please see the attached LOX - there is not mortgage history - the borrower paid off the mortgage in xxxxxx however the mortgage company did not file the satisfaction of mortgage until he started his loan process this year and discovered it has never been released. - Seller-07/29/2025 | Resolved-Received confirmation subject mortgage was paid in full in xxxxxx although just recently released. - Due Diligence Vendor-07/31/2025 | Months Reserves exceed minimum required - 91.37 months PITIA reserves; 6 months reserves required.<br>LTV is less than guideline maximum - LTV 49.40; LTV 65%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840703 | xxxxxx C A | Closed | xxxxxx | 2025-07-29 15:09 | 2025-07-31 17:30 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Note Document | Resolved-Received Wet signed Note. - Due Diligence Vendor-07/31/2025 <br> Ready for Review-Document Uploaded. - Seller-07/31/2025 <br> Open-There are Issues Present on the Note that must be addressed. 1. Note provided was signed digitally and is not acceptable-guide silent on this however per xxxxxx does not allow E-signature on note. 2. Notary was notarized in xxxxxx. per xxxxxx guides- pg 16 Documents signed by the borrowers outside of the xxxxxx must be notarized by a xxxxxx. Embassy on consular official. - Due Diligence Vendor-07/29/2025 | Ready for Review-Document Uploaded. - Seller-07/31/2025<br>| Resolved-Received Wet signed Note. - Due Diligence Vendor-07/31/2025<br>| Months Reserves exceed minimum required - 91.37 months PITIA reserves; 6 months reserves required.<br>LTV is less than guideline maximum - LTV 49.40; LTV 65%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840782 | xxxxxx D A C | Closed | xxxxxx | 2025-07-07 22:59 | 2025-09-19 10:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Appraisal is Expired | Resolved-Received recert of value 1004d. - Due Diligence Vendor-09/19/2025 <br>Ready for Review-Document Uploaded. Please see attached recertification of Value - Seller-09/17/2025 <br>Counter-Received appraisal noted as a prospective - unable to consider - finding remains. - Due Diligence Vendor-09/09/2025 <br>Ready for Review-Document Uploaded. xxxxxx Team, please find attached appraisal report. - Seller-09/08/2025 <br>Counter-A new appraisal will not resolve, however we would waive and would remain a material Grade 3/C providing the new appraisal is supported by a secondary review product. - Due Diligence Vendor-08/14/2025 <br>Ready for Review-Can you please advise if you can accept the appraisal report dated after the Note date? Please let me know. - Seller-08/12/2025 <br>Open-Primary Value Appraisal is Expired Appraisal is expired. - Due Diligence Vendor-07/10/2025 | Ready for Review-Document Uploaded. Please see attached recertification of Value - Seller-09/17/2025 <br>Ready for Review-Document Uploaded. xxxxxx Team, please find attached appraisal report. - Seller-09/08/2025 <br>Ready for Review-Can you please advise if you can accept the appraisal report dated after the Note date? Please let me know. - Seller-08/12/2025<br>| Resolved-Received recert of value 1004d. - Due Diligence Vendor-09/19/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO 734 is higher than the 680 required <br>Credit history exceeds minimum required - Credit history >24 months exceeds minimum required |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840782 | xxxxxx D A C | Closed | xxxxxx | 2025-07-07 14:55 | 2025-07-23 07:41 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Received COC xxxxxx, finding resolved. - Due Diligence Vendor-07/23/2025 <br> Ready for Review-Document Uploaded. Please review the correct COC form. - Seller-07/22/2025 <br> Counter-----Initial LE xxxxxx Title Fees (Closing protection, Endorsement, Lenders Title Insurance and Signing Fees) total $3676.00. Due to final CD including all fees in section B (Services Borrower did not shop for) , these fees are to be tested at a 10% tolerance. $3,676.00 plus 10% = $4,043.60. Final CD xxxxxx Title Fees total is $4,973. The increase is $929.40. Ten (10%) tolerance fees (E Recording Fee, Closing Fee, and Lenders Title Insurance Policy) increased by $1,297 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 $929.40, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 1 year- Expiration date is xxxxxx - Due Diligence Vendor-07/17/2025 <br> Ready for Review-Can you please advise how do you get this $929.40? Please let me know. - Seller-07/16/2025 <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% ($4,973.00) exceed the comparable charges ($3,676.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). .....Ten (10%) tolerance fees (E Recording Fee, Closing Fee, and Lenders Title Insurance Policy) increased by $1,297 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 $929.40, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 1 year- Expiration date is xxxxxx . - Due Diligence Vendor-07/07/2025 | Ready for Review-Document Uploaded. Please review the correct COC form. - Seller-07/22/2025 <br>Ready for Review-Can you please advise how do you get this $929.40? Please let me know. - Seller-07/16/2025<br>| Resolved-Received COC xxxxxx, finding resolved. - Due Diligence Vendor-07/23/2025 | Qualifying FICO score is at least 20 points above minimum for program - FICO 734 is higher than the 680 required <br>Credit history exceeds minimum required - Credit history >24 months exceeds minimum required |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840782 | xxxxxx D A C | Closed | xxxxxx | 2025-07-07 23:19 | 2025-07-17 14:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Upon further review, the loan file contained all required credit documentation. - Due Diligence Vendor-07/17/2025 <br>Ready for Review-It is already included in the package. Please review once more and waive this condition. - Seller-07/16/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-07/08/2025 | Ready for Review-It is already included in the package. Please review once more and waive this condition. - Seller-07/16/2025<br>| Resolved-Upon further review, the loan file contained all required credit documentation. - Due Diligence Vendor-07/17/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO 734 is higher than the 680 required <br>Credit history exceeds minimum required - Credit history >24 months exceeds minimum required |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 840861 | xxxxxx C A | Closed | xxxxxx | 2025-08-01 15:15 | 2025-09-11 11:24 | Resolved | 1 - Information C A | Credit | Eligibility | Prepayment Penalty Discrepancy | Resolved-Received prepay addendum and Rider. - Due Diligence Vendor-09/11/2025 <br> Open-There is a discrepancy with tape for Prepayment Penalty Total Term. Tape value: '36' Diligence value '0'. PPP verbiage/addendum/rider to Note is not found. Tape shows a PPP - Due Diligence Vendor-08/01/2025 |  | Resolved-Received prepay addendum and Rider. - Due Diligence Vendor-09/11/2025<br>| On time mortgage history exceeds guideline requirement - Borrs 102mos 0x30 mortgage pay history. Per guides, minimum 12mos 0x30 mortgage/rental pay history.<br>Months Reserves exceed minimum required - 9.68mos reserves. Per guides, 3 reserves required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 840861 | xxxxxx C A | Closed | xxxxxx | 2025-08-07 13:36 | 2025-08-11 08:59 | Resolved | 1 - Information B A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received gap report. - Due Diligence Vendor-08/11/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Missing Gap Credit Report. - Due Diligence Vendor-08/07/2025 |  | Resolved-Received gap report. - Due Diligence Vendor-08/11/2025<br>| On time mortgage history exceeds guideline requirement - Borrs 102mos 0x30 mortgage pay history. Per guides, minimum 12mos 0x30 mortgage/rental pay history.<br>Months Reserves exceed minimum required - 9.68mos reserves. Per guides, 3 reserves required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 840903 | xxxxxx C A | Closed | xxxxxx | 2025-08-04 21:37 | 2025-09-12 11:23 | Resolved | 1 - Information C A | Credit | Eligibility | Prepayment Penalty Discrepancy | Resolved-Received payment penalty note addendum and CD confirming prepay and terms. - Due Diligence Vendor-09/12/2025 <br>Open-There is a discrepancy with tape for Prepayment Penalty Total Term. Tape value: '36' Diligence value '0'. Addendum to Note and PPP Rider both show 0% PPP - Due Diligence Vendor-08/11/2025 |  | Resolved-Received payment penalty note addendum and CD confirming prepay and terms. - Due Diligence Vendor-09/12/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 767; minimum score 700.<br>Months Reserves exceed minimum required - 129.92 months PITIA reserves; 2 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840903 | xxxxxx C A | Closed | xxxxxx | 2025-08-10 15:12 | 2025-08-11 12:06 | Resolved | 1 - Information C A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-08/11/2025 <br> Open-OFAC Check Not Completed and/or Cleared xxxxxx not cleared on OFAC - Due Diligence Vendor-08/10/2025 |  | Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-08/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 767; minimum score 700.<br>Months Reserves exceed minimum required - 129.92 months PITIA reserves; 2 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840978 | xxxxxx D A | Closed | xxxxxx | 2025-07-08 14:29 | 2025-07-14 11:53 | 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-07/14/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-07/11/2025 <br>Open-The Business Purpose Affidavit Disclosure is Missing - Due Diligence Vendor-07/08/2025 |  | Resolved-The Business Purpose Affidavit Disclosure is Present or Not Applicable - Due Diligence Vendor-07/14/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 700 vs min FICO 640<br>Months Reserves exceed minimum required - >18 months vs. 2 required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 840978 | xxxxxx D A | Closed | xxxxxx | 2025-07-07 14:12 | 2025-07-14 11:51 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received secondary valuation. - Due Diligence Vendor-07/14/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-07/11/2025 <br>Open-Additional valuation product has not been provided. Need to support value. - Due Diligence Vendor-07/08/2025 |  | Resolved-Received secondary valuation. - Due Diligence Vendor-07/14/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 700 vs min FICO 640<br>Months Reserves exceed minimum required - >18 months vs. 2 required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 840993 | xxxxxx D A | Closed | xxxxxx | 2025-07-20 16:59 | 2025-07-24 09:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Received application. - Due Diligence Vendor-07/24/2025 <br>Open-1003 missing for both borrowers. - Due Diligence Vendor-07/20/2025 |  | Resolved-Received application. - Due Diligence Vendor-07/24/2025<br>| LTV is less than guideline maximum - 56.38% LTV below max allowed of 70%<br>Months Reserves exceed minimum required - 78 months reserves; 2 months reserves required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840993 | xxxxxx D A | Closed | xxxxxx | 2025-07-20 15:42 | 2025-07-24 09:10 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received confirmation no UCC filings. - Due Diligence Vendor-07/24/2025 <br>Open-Property Title Issue Letter from attorney's office indicates a recording of a UCC lien, but docs for lien not provided. Additional findings may apply. - Due Diligence Vendor-07/20/2025 |  | Resolved-Received confirmation no UCC filings. - Due Diligence Vendor-07/24/2025<br>| LTV is less than guideline maximum - 56.38% LTV below max allowed of 70%<br>Months Reserves exceed minimum required - 78 months reserves; 2 months reserves required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841068 | xxxxxx C A | Closed | xxxxxx | 2025-07-23 09:58 | 2025-07-28 17:28 | Resolved | 1 - Information C A | Credit | Insurance | Fidelity Coverage not met | Resolved-Received confirmation of NWC-fidelity coverage acceptable. - Due Diligence Vendor-07/28/2025 <br> Ready for Review-Document Uploaded. the property is a non warrantable xxxxxx - this is not required. - Seller-07/24/2025 <br> Open-Fidelity Coverage not met. Missing evidence of fidelity insurance coverage equaling at least the sum of three months of assessments on all units in the project. Coverage of xxxxxx noted on policy is insufficient. Subject HOA $869 xxxxxx unitsx3 months =$78,210. - Due Diligence Vendor-07/23/2025 | Ready for Review-Document Uploaded. the property is a non warrantable xxxxxx - this is not required. - Seller-07/24/2025 | Resolved-Received confirmation of NWC-fidelity coverage acceptable. - Due Diligence Vendor-07/28/2025 | DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 0.87; minimum DSCR 0.00.<br>LTV is less than guideline maximum - LTV 60% max 65%.<br>Months Reserves exceed minimum required - 73 months and 6 required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 841076 | xxxxxx C B A | Closed | xxxxxx | 2025-07-15 18:26 | 2025-08-12 15:45 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received confirmation leasehold is perpetual. - Due Diligence Vendor-08/12/2025 <br> Counter-Received deed assignment. Missing 2. Unable to determine End Date for Leasehold with documentation in file - Due Diligence Vendor-08/06/2025 <br> Open-Property Title Issue 1. Title Currently in name of LLC - file is missing Quit-Claim to INDIVIDUAL<br> 2. Unable to determine End Date for Leasehold with documentation in file - Due Diligence Vendor-07/15/2025 |  | Resolved-Received confirmation leasehold is perpetual. - Due Diligence Vendor-08/12/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO = 745 Min FICO = 660<br>DSCR % greater than 1.20 - DSCR = 1.441 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841076 | xxxxxx C B A | Closed | xxxxxx | 2025-07-15 18:26 | 2025-08-12 15:45 | Resolved | 1 - Information C A | Credit | Title | Property is a Leashold | Resolved-Received confirmation leasehold is perpetual. - Due Diligence Vendor-08/12/2025 <br> Open-Property Rights are Lease Hold Unable to determine End Date for Leasehold with documentation in file - Due Diligence Vendor-07/15/2025 |  | Resolved-Received confirmation leasehold is perpetual. - Due Diligence Vendor-08/12/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO = 745 Min FICO = 660<br>DSCR % greater than 1.20 - DSCR = 1.441 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841076 | xxxxxx C B A | Closed | xxxxxx | 2025-07-15 18:26 | 2025-08-12 15:45 | Resolved | 1 - Information C A | Credit | Eligibility | Leasehold does not meet guideline requirement | Resolved-Received confirmation leasehold is perpetual. - Due Diligence Vendor-08/12/2025 <br> Open-Does the leasehold meet guideline requirements? If it does meet the requirements, update the condition status to Rescinded. Unable to determine End Date for Leasehold with documentation in file - Due Diligence Vendor-07/15/2025 |  | Resolved-Received confirmation leasehold is perpetual. - Due Diligence Vendor-08/12/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO = 745 Min FICO = 660<br>DSCR % greater than 1.20 - DSCR = 1.441 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841076 | xxxxxx C B A | Closed | xxxxxx | 2025-07-15 18:26 | 2025-08-12 15:45 | Resolved | 1 - Information C A | Credit | Eligibility | Leasehold document missing | Resolved-Received confirmation leasehold is perpetual. - Due Diligence Vendor-08/12/2025 <br>Open-The Leasehold document is missing from file. Unable to determine End Date for Leasehold with documentation in file - Due Diligence Vendor-07/15/2025 |  | Resolved-Received confirmation leasehold is perpetual. - Due Diligence Vendor-08/12/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO = 745 Min FICO = 660<br>DSCR % greater than 1.20 - DSCR = 1.441 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841076 | xxxxxx C B A | Closed | xxxxxx | 2025-07-15 18:31 | 2025-07-24 10:03 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Property | Waived-Client exception granted to allow loan in xxxxxx. Non-material waiver applied to finding with compensating factors. Non-material as loan was locked prior to announcement. - Due Diligence Vendor-07/24/2025 <br> Open-Exception Approval in file – Pg 1<br> 1. Property – Allow loan in xxxxxx. Loan was locked prior to xxxxxx announcement<br> - Due Diligence Vendor-07/15/2025 |  | Waived-Client exception granted to allow loan in xxxxxx. Non-material waiver applied to finding with compensating factors. Non-material as loan was locked prior to announcement. - Due Diligence Vendor-07/24/2025 | Qualifying FICO score is at least 20 points above minimum for program - FICO = 745 Min FICO = 660<br>DSCR % greater than 1.20 - DSCR = 1.441 | 1. LTV/CLTV 5% or more below the maximum allowed under applicable guidelines<br> 2. Credit Score 30+ points > minimum required<br> 3. DSCR > 1.3 | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 841076 | xxxxxx C B A | Closed | xxxxxx | 2025-07-14 13:21 | 2025-07-18 15:59 | Resolved | 1 - Information C A | Credit | Eligibility | Prepayment Penalty Discrepancy | Resolved-The prepay is aware of the discrepancy and a price adjustment has been applied/accepted by the seller. - Due Diligence Vendor-07/18/2025 <br>Open-There is a discrepancy with tape for Prepayment Penalty Total Term. Tape value: '24' Diligence value '0'. No prepay per note provided - Due Diligence Vendor-07/18/2025 |  | Resolved-The prepay is aware of the discrepancy and a price adjustment has been applied/accepted by the seller. - Due Diligence Vendor-07/18/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO = 745 Min FICO = 660<br>DSCR % greater than 1.20 - DSCR = 1.441 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841106 | xxxxxx C A | Closed | xxxxxx | 2025-07-15 15:17 | 2025-08-11 13:01 | Resolved | 1 - Information C A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-1004D provided with xxxxxx - No items pose any health or safety issues. - Due Diligence Vendor-08/11/2025 <br> Ready for Review-Document Uploaded. attached is the 1004D with the xxxxxx. There is a comment regarding the xxxxxx - does not pose any health or safety issues. There is a xxxxxx page 17 of the appraisal report. pertaining to the removal of the items - this was not requested on the original review. Please review with management to see if it is really required. - Seller-08/08/2025 <br> Open-Appraisal issues was appraised as is however should have been subject to xxxxxx. - 1004D provided xxxxxx.<br> However I see missing xxxxxx. Missing complete certification for the xxxxxx. missing the xxxxxx.<br> Appraiser to confirm the the xxxxxx and to comment if the xxxxxx. - Due Diligence Vendor-07/15/2025 | Ready for Review-Document Uploaded. attached is the 1004D with the repairs to the xxxxxx. There is a comment regarding the xxxxxx - does not pose any health or safety issues. There is a xxxxxx page 17 of the appraisal report. pertaining to the removal of the items - this was not requested on the original review. Please review with management to see if it is really required. - Seller-08/08/2025 | Resolved-1004D provided with the repairs made and comments regarding the xxxxxx - No items pose any health or safety issues. - Due Diligence Vendor-08/11/2025 | On time mortgage history exceeds guideline requirement - 0x3 on time mortgage payment history.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 733; minimum score 700. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 841106 | xxxxxx C A | Closed | xxxxxx | 2025-07-15 15:05 | 2025-08-11 12:57 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-After further review, the marked up title is sufficient. - Due Diligence Vendor-08/11/2025 <br> Counter-Received duplicate preliminary title-provide updated report reflecting deleted or closing attorney to confirm removed. - Due Diligence Vendor-07/21/2025 <br> Ready for Review-Document Uploaded. this is a purchase transaction - it will be removed from the final title policy - please see the marked up title - Seller-07/18/2025 <br> Open-Property Title Issue title search has judgements- schedule BI #14 xxxxxx superior court. - Due Diligence Vendor-07/15/2025 | Ready for Review-Document Uploaded. this is a purchase transaction - it will be removed from the final title policy - please see the marked up title - Seller-07/18/2025<br>| Resolved-After further review, the marked up title is sufficient. - Due Diligence Vendor-08/11/2025<br>| On time mortgage history exceeds guideline requirement - 0x3 on time mortgage payment history.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 733; minimum score 700. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 841125 | xxxxxx D A | Closed | xxxxxx | 2025-08-09 09:31 | 2025-08-19 13:32 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-After further review, the mortgage is paid current within days of application date. - Due Diligence Vendor-08/19/2025 <br> Open-Housing History Does Not Meet Guideline Requirements- missing mortgage payment being made for xxxxxx for primary residence. Last activity on credit report reported 5/25. - Due Diligence Vendor-08/09/2025 |  | Resolved-After further review, the mortgage is paid current within days of application date. - Due Diligence Vendor-08/19/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 758; Minimum score 700.<br>Months Reserves exceed minimum required - 10.68 months PITIA reserves; 2 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 841125 | xxxxxx D A | Closed | xxxxxx | 2025-08-09 09:23 | 2025-08-14 09:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Insurance Policy Missing | Resolved-Received revised flood certification reflecting updated LOMA/LOMR and subject is no longer in flood zone AE now X500 with no flood insurance required. - Due Diligence Vendor-08/14/2025 <br> Counter-Received flood insurance policy-missing evidence paid in full, not reflecting on CD as escrowed-taxes and HOI are escrowed-please clarify. - Due Diligence Vendor-08/12/2025 <br> Open-Missing Flood Insurance Policy Per Appraisal and Flood cert provided. Zoning is AE in flood zone. Missing Flood Insurance policy required. - Due Diligence Vendor-08/09/2025 |  | Resolved-Received revised flood certification reflecting updated LOMA/LOMR and subject is no longer in flood zone AE now X500 with no flood insurance required. - Due Diligence Vendor-08/14/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 758; Minimum score 700.<br>Months Reserves exceed minimum required - 10.68 months PITIA reserves; 2 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 841165 | xxxxxx C A | Closed | xxxxxx | 2025-08-04 17:55 | 2025-08-15 08:48 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received recorded security instrument. - Due Diligence Vendor-08/15/2025 <br> Open-Property located in xxxxxx which requires 2 Witnesses. No Witness signatures on Deed of Trust/Mortgage - Pg 485 - Due Diligence Vendor-08/04/2025 |  | Resolved-Received recorded security instrument. - Due Diligence Vendor-08/15/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 660 minimum FICO - borrower has 712 FICO<br>CLTV is less than guidelines maximum - 70% maximum CLTV - loan has 64.62% CLTV |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841179 | xxxxxx D A | Closed | xxxxxx | 2025-07-16 10:01 | 2025-07-18 14:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Received corrected final 1003 reflecting complete present address. - Due Diligence Vendor-07/18/2025 <br> Ready for Review-Document Uploaded. - Seller-07/17/2025 <br> Open-1003 is missing address including the flat, floor unit or house number and the street name, city, province/state along with a postal code as required by guidelines. 1003 notes SSN for borrower and passport provided indicating he is foreign national. If borrower has valid social security, provide updated 1003 with borrower's residency status along with documents supporting that status. Additional findings may apply since Audit reviewed as foreign national per guidelines on tape - Due Diligence Vendor-07/16/2025 | Ready for Review-Document Uploaded. - Seller-07/17/2025<br>| Resolved-Received corrected final 1003 reflecting complete present address. - Due Diligence Vendor-07/18/2025<br>| Months Reserves exceed minimum required - 81.89 months PITIA reserves; 6 months reserves required.<br>Long term residence - 1003 reflects B1 living in primary home for 20 years. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 841179 | xxxxxx D A | Closed | xxxxxx | 2025-07-16 10:00 | 2025-07-18 14:24 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received survey confirming no impact by encroachment. Received SOS confirming LLC owned by xxxxxx. - Due Diligence Vendor-07/18/2025 <br> Ready for Review-Document Uploaded. - Seller-07/17/2025 <br> Open-Property Title Issue - Schedule BII Item 29 (PDF 208) takes exception to encroachment over the 10 foot Public Utility Easement. Missing evidence this item will be removed or does not cloud or negatively impact title. Provide the LLC documents for the Selling LLC noted on title, xxxxxx, LLC, a xxxxxx limited liability company, so that it can be verified there is no relationship between buyer and seller. Seller on Title commitment does not match purchase agreement. Title commitment notes owner of property is xxxxxx, LLC, a xxxxxx limited liability company, but seller on purchase agreement is xxxxxx, LLC. Title commitment to be corrected if applicable. - Due Diligence Vendor-07/16/2025 | Ready for Review-Document Uploaded. - Seller-07/17/2025<br>| Resolved-Received survey confirming no impact by encroachment. Received SOS confirming LLC owned by xxxxxx. - Due Diligence Vendor-07/18/2025 | Months Reserves exceed minimum required - 81.89 months PITIA reserves; 6 months reserves required.<br>Long term residence - 1003 reflects B1 living in primary home for 20 years. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 841179 | xxxxxx D A | Closed | xxxxxx | 2025-07-16 10:21 | 2025-07-18 14:15 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received confirmation of sellers clearing fraud. - Due Diligence Vendor-07/18/2025 <br> Ready for Review-Document Uploaded. - Seller-07/17/2025 <br> Open-All Interested Parties Not Checked with Exclusionary Lists Seller is missing from fraud report participants. There are two sellers noted in file, one vested per title commitment and the other noted on purchase agreement, xxxxxx, LLC and xxxxxx, LLC. - Due Diligence Vendor-07/16/2025 | Ready for Review-Document Uploaded. - Seller-07/17/2025<br>| Resolved-Received confirmation of sellers clearing fraud. - Due Diligence Vendor-07/18/2025<br>| Months Reserves exceed minimum required - 81.89 months PITIA reserves; 6 months reserves required.<br>Long term residence - 1003 reflects B1 living in primary home for 20 years. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 841190 | xxxxxx D A C | Closed | xxxxxx | 2025-07-16 12:05 | 2025-07-24 17:11 | 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 - Due Diligence Vendor-07/24/2025 <br> Ready for Review-Document Uploaded. - Seller-07/23/2025 <br> Counter-Received duplicate SSR dated prior to final appraisal date - original finding remains. - Due Diligence Vendor-07/21/2025 <br> Ready for Review-Document Uploaded. - Seller-07/18/2025 <br> Open-Additional valuation product has not been provided. Appraisal date xxxxxx and xxxxxx ssr dated xxxxxx.<br> Need updated xxxxxx SSR. if score is greater 2.5 then conditions may apply. - Due Diligence Vendor-07/16/2025 | Ready for Review-Document Uploaded. - Seller-07/23/2025 <br>Ready for Review-Document Uploaded. - Seller-07/18/2025<br>| Resolved-Received SSR with a CU score of 1 - Due Diligence Vendor-07/24/2025<br>| Months Reserves exceed minimum required - 56.9 months PITIA reserves; 6 months reserves required.<br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.008 ; minimum DSCR 1.00. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 841190 | xxxxxx D A C | Closed | xxxxxx | 2025-07-16 11:49 | 2025-07-21 16:04 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received confirmation from title no impact for utility easement. Seller/contractor not related to buyer. Warranty deed for transfer-seller/contractor relationship validated. - Due Diligence Vendor-07/21/2025 <br> Ready for Review-Document Uploaded. - Seller-07/18/2025 <br> Open-Property Title Issue 1. Schedule BII Item 29 (PDF 246) takes exception to encroachment over the 10 foot Public Utility Easement. Missing evidence this item will be removed or does not cloud or negatively impact title. 2. Provide the LLC documents for the Selling LLC noted on title, xxxxxx, LLC, a xxxxxx limited liability company, so that it can be verified there is no relationship between buyer and seller. 3. Seller on Title commitment does not match purchase agreement. Title commitment notes owner of property is xxxxxx, LLC, a xxxxxx limited liability company, but seller on purchase agreement is xxxxxx, LLC. Title commitment to be corrected if applicable. - Due Diligence Vendor-07/16/2025 | Ready for Review-Document Uploaded. - Seller-07/18/2025<br>| Resolved-Received confirmation from title no impact for utility easement. Seller/contractor not related to buyer. Warranty deed for transfer-seller/contractor relationship validated. - Due Diligence Vendor-07/21/2025<br>| Months Reserves exceed minimum required - 56.9 months PITIA reserves; 6 months reserves required.<br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.008 ; minimum DSCR 1.00. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 841193 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 841200 | xxxxxx D A | Closed | xxxxxx | 2025-08-04 09:07 | 2025-08-29 11:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Received PCCD , IEAD and confirmation no additional HOI considered. - Due Diligence Vendor-08/29/2025 <br>Open-Missing Other HOI policy to match the total monthly hazard insurance escrow amount as per reflected on final HUD / Settlement Statement - Due Diligence Vendor-08/04/2025 |  | Resolved-Received PCCD , IEAD and confirmation no additional HOI considered. - Due Diligence Vendor-08/29/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 640- Borrower's FICO 781 <br>DSCR % greater than 1.20 - DSCR % greater than 1.20- Borrower's DSCR 1.395% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 841252 | xxxxxx C B A | Closed | xxxxxx | 2025-08-01 19:03 | 2025-08-04 11:17 | Waived | 2 - Non-Material C B | Credit | Eligibility | Calculated DSCR does not meet the Minimum DSCR allowed | Waived-Client exception granted to allow DSCR < 1 with FT Investor, Non-materialwaiver applied with comp factors.- Due Diligence Vendor-08/04/2025 <br> Open-The Calculated DSCR of '0.848' is less than the minimum DSCR per lender guidelines of '1'. Lender exception provided for First Time Investor with < 1 DSCR. - Due Diligence Vendor-08/01/2025 |  | Waived-Client exception granted to allow DSCR < 1 with FT Investor, Non-materialwaiver applied with comp factors. - Due Diligence Vendor-08/04/2025 | Qualifying FICO score is at least 20 points above minimum for program - Guidelines require 700 credit score. Qualifying credit score is 780.<br>Months Reserves exceed minimum required - Guidelines require 2 months of reserves. Qualifying reserves are 109 months.<br>LTV is less than guideline maximum - Guidelines allow LTV to 75%. Subject loan LTV is 65%. | LTV/CLTV 5% or more below the maximum allowed under applicable guidelines<br> Credit Score 30+ points > minimum required | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 841277 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 841282 | xxxxxx D A | Closed | xxxxxx | 2025-08-06 17:00 | 2025-08-19 14:32 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Note Document | Resolved-Updated prepay addendum to the Note provided. - Due Diligence Vendor-08/19/2025 <br> Open-There are Issues Present on the Note that must be addressed. PPP note addendum has conflicting information from the mortgage rider. Prepayment addendum to note discloses prepay term as 12 months and charge as 6 months interest on amount that exceeds 20% of OPB. Prepayment Rider to mortgage discloses term as 24 months and the charge as a declining rate of 2% for first year and 1% for second year. - Due Diligence Vendor-08/06/2025 |  | Resolved-Updated prepay addendum to the Note provided. - Due Diligence Vendor-08/19/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700 / Borrower FICO 785<br>Months Reserves exceed minimum required - 15 months exceeds 2 required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 841282 | xxxxxx D A | Closed | xxxxxx | 2025-08-01 14:26 | 2025-08-19 14:31 | Resolved | 1 - Information C A | Credit | Eligibility | Prepayment Penalty Discrepancy | Resolved-Updated prepay addendum to the Note provided. - Due Diligence Vendor-08/19/2025 <br>Open-There is a discrepancy with tape for Prepayment Penalty Total Term. Tape value: '24' Diligence value '12'. Tape PPP term of 24 months differs from actual term on note addendum of 12 - Due Diligence Vendor-08/01/2025 |  | Resolved-Updated prepay addendum to the Note provided. - Due Diligence Vendor-08/19/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700 / Borrower FICO 785<br>Months Reserves exceed minimum required - 15 months exceeds 2 required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 841282 | xxxxxx D A | Closed | xxxxxx | 2025-08-06 17:04 | 2025-08-14 09:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received property, school tax - calculation removes exemption. - Due Diligence Vendor-08/14/2025 <br> Counter-Received property taxes-missing school tax. - Due Diligence Vendor-08/11/2025 <br> Open-Missing Evidence of Property Tax Missing calculation or figure to support the escrowed amount on CD. - Due Diligence Vendor-08/06/2025 |  | Resolved-Received property, school tax - calculation removes exemption. - Due Diligence Vendor-08/14/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700 / Borrower FICO 785<br>Months Reserves exceed minimum required - 15 months exceeds 2 required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 841302 | xxxxxx D B A | Closed | xxxxxx | 2025-08-08 13:29 | 2025-09-22 09:43 | Resolved | 1 - Information C A | Credit | Eligibility | Builder in Control of the HOA | Resolved-After further review, xxxxxx allows the builder to turn over control of the HOA once a specific number of units are sold. - Due Diligence Vendor-09/22/2025 <br> Counter-Received email from HOA confirming turnover to occur within 5 yeas of from first closing - provide anticipated/planned turnover date. - Due Diligence Vendor-09/19/2025 <br> Counter-Received email from HOA confirming turnover to occur within 5 yeas of from first closing - provide anticipated/planned turnover date. - Due Diligence Vendor-09/08/2025 <br> Counter-Received confirmation subject is NWC-review confirms xxxxxx-missing date of anticipated HOA turnover. - Due Diligence Vendor-08/14/2025 <br> Open-Builder is in control of HOA Correct - Due Diligence Vendor-08/08/2025 |  | Resolved-After further review, xxxxxx allows the builder to turn over control of the HOA once a specific number of units are sold. - Due Diligence Vendor-09/22/2025<br>| Long term residence - Long Term Residence = 7+ years<br>Qualifying FICO score is at least 20 points above minimum for program - 737 vs. min FICO 640 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 841302 | xxxxxx D B A | Closed | xxxxxx | 2025-09-08 13:28 | 2025-09-19 15:46 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Originator exception granted, waiver applied with comp factors.<br> - Due Diligence Vendor-09/19/2025 <br> Open-\*NEW\* Received HOA questionnaire confirming Condotel. Max LTV for program is 65%, with exception granted to 70%. Requiring 5% reduction for Condotel. - Due Diligence Vendor-09/08/2025 |  | Waived-Originator exception granted, waiver applied with comp factors.<br> - Due Diligence Vendor-09/19/2025<br>| Long term residence - Long Term Residence = 7+ years<br>Qualifying FICO score is at least 20 points above minimum for program - 737 vs. min FICO 640 | FICO 30+ points over required.<br> 11 Reserves exceed required 2 months | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 841302 | xxxxxx D B A | Closed | xxxxxx | 2025-08-08 13:43 | 2025-09-19 12:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Condo Master Insurance Policy is Missing | Resolved-Received condo master insurance. - Due Diligence Vendor-09/19/2025 <br> Counter-Master insurance received reflects property located on xxxxxx-not our subject property - Due Diligence Vendor-09/08/2025 <br> Counter-Received master liability policy-please provide master property insurance declaration. - Due Diligence Vendor-08/14/2025 <br> Open-Missing Condo Master Insurance Policy Missing condo master HOI - Due Diligence Vendor-08/08/2025 |  | Resolved-Received condo master insurance. - Due Diligence Vendor-09/19/2025<br>| Long term residence - Long Term Residence = 7+ years<br>Qualifying FICO score is at least 20 points above minimum for program - 737 vs. min FICO 640 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 841302 | xxxxxx D B A | Closed | xxxxxx | 2025-08-08 13:46 | 2025-09-19 12:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Per originator-SAM cleared by name- ADV120(15) we included the ID of the seller which shows the name does not match any of the hits for the SAM List<br> - Due Diligence Vendor-09/19/2025 <br> Counter-Fraud report reflects possible matches on Seller-provide supporting documentation - SAM clearance for seller of subject. (Allstate insurance is not required to be cleared). - Due Diligence Vendor-09/10/2025 <br> Counter-Received fraud report-Participant list reflects possible match-please provide clearance documentation-SAM clearance for seller. - Due Diligence Vendor-08/14/2025 <br> Open-Missing Third Party Fraud Report - Due Diligence Vendor-08/08/2025 |  | Resolved-Per originator-SAM cleared by name- ADV120(15) we included the ID of the seller which shows the name does not match any of the hits for the SAM List<br> - Due Diligence Vendor-09/19/2025<br>| Long term residence - Long Term Residence = 7+ years<br>Qualifying FICO score is at least 20 points above minimum for program - 737 vs. min FICO 640 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 841302 | xxxxxx D B A | Closed | xxxxxx | 2025-08-08 14:31 | 2025-09-08 14:38 | Resolved | 1 - Information C A | Credit | Eligibility | Condo project has pending litigation | Resolved-Condo questionnaire provided states the HOA is not involved in any pending litigation. Email from the attorney states there are no legal actiobns pending by the project owner/xxxxxx against the contruction company. The ony action pending related to the construction are claims by certain workers arising from alleged injuries on the project, those claims are being defended by the projects insurance program and do not relate to defects or structurals issues in the work. - Due Diligence Vendor-09/08/2025 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-09/08/2025 <br> Counter-Provide supporting documentation regarding the pending litigation - attorney opinion letter. - Due Diligence Vendor-08/14/2025 <br> Open-The xxxxxx is suing a construction company but the details aren't provided for major/minor/safety/structural or functionality. No dollar amount was provided and no letter from an attorney was provided. - Due Diligence Vendor-08/08/2025 |  | Resolved-Condo questionnaire provided states the HOA is not involved in any pending litigation. Email from the attorney states there are no legal actiobns pending by the project owner/xxxxxx against the contruction company. The ony action pending related to the construction are claims by certain workers arising from alleged injuries on the project, those claims are being defended by the projects insurance program and do not relate to defects or structurals issues in the work. - Due Diligence Vendor-09/08/2025 | Long term residence - Long Term Residence = 7+ years<br>Qualifying FICO score is at least 20 points above minimum for program - 737 vs. min FICO 640 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 841302 | xxxxxx D B A | Closed | xxxxxx | 2025-08-08 13:29 | 2025-09-08 13:36 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-Received condo questionnaire. - Due Diligence Vendor-09/08/2025 <br> Counter-Received questionnaire -1. not signed or dated 2. project details reflect xxxxxx units out of xxxxxx are complete although questionnaire reflects as complete-clarification required. - Due Diligence Vendor-08/14/2025 <br> Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. None noted - Due Diligence Vendor-08/08/2025 |  | Resolved-Received condo questionnaire. - Due Diligence Vendor-09/08/2025<br>| Long term residence - Long Term Residence = 7+ years<br>Qualifying FICO score is at least 20 points above minimum for program - 737 vs. min FICO 640 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 841302 | xxxxxx D B A | Closed | xxxxxx | 2025-08-08 13:57 | 2025-09-08 13:32 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received updated account summary confirming sufficient reserves. - Due Diligence Vendor-09/08/2025 <br> Counter-Received commentary borrower has $571,852.83 in assets. Review has validated $376,972.21 in xxxxxx. Please provide additional assets - Due Diligence Vendor-08/14/2025 <br> Open-Audited Reserves of 0.44 month(s) are less than Guideline Required Reserves of 9 month(s) Borrower does not have sufficient assets to cover reserves - Due Diligence Vendor-08/08/2025 |  | Resolved-Received updated account summary confirming sufficient reserves. - Due Diligence Vendor-09/08/2025<br>| Long term residence - Long Term Residence = 7+ years<br>Qualifying FICO score is at least 20 points above minimum for program - 737 vs. min FICO 640 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 841302 | xxxxxx D B A | Closed | xxxxxx | 2025-08-04 17:16 | 2025-08-14 09:51 | Resolved | 1 - Information C A | Credit | Borrower | Clarification of Application Date | Resolved-Received executed initial 1003 - Due Diligence Vendor-08/14/2025 <br> Open--Missing evidence of initial application date. Provide corrected initial application or lender cert/affidavit confirming the application date. - Due Diligence Vendor-08/04/2025 |  | Resolved-Received executed initial 1003 - Due Diligence Vendor-08/14/2025<br>| Long term residence - Long Term Residence = 7+ years<br>Qualifying FICO score is at least 20 points above minimum for program - 737 vs. min FICO 640 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 841308 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 841357 | xxxxxx D A C | Closed | xxxxxx | 2025-08-04 14:51 | 2025-08-11 15:56 | Resolved | 1 - Information C A | Property | Property | Homeowners Association not meeting Guidelines | Resolved-Received confirmation NWC. - Due Diligence Vendor-08/11/2025 <br> Ready for Review-Property is a non-warrantable xxxxxx - investor concentration does not apply. - Seller-08/07/2025 <br> Open-HOMEOWNERS ASSOCIATION DOES NOT MEE GUIDELINES - Investor concentration of 67.5% exceeds max allowed of 60% - Due Diligence Vendor-08/04/2025 | Ready for Review-Property is a non-warrantable xxxxxx - investor concentration does not apply. - Seller-08/07/2025 | Resolved-Received confirmation NWC. - Due Diligence Vendor-08/11/2025 | Months Reserves exceed minimum required - 7.50 months PITIA reserves; 6 months reserves required.<br>Long term residence - Borrower own primary residence from the past 12 years |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 841357 | xxxxxx D A C | Closed | xxxxxx | 2025-08-04 14:50 | 2025-08-11 15:54 | Resolved | 1 - Information C A | Credit | Insurance | Fidelity Coverage not met | Resolved-Fidelity coverage received. - Due Diligence Vendor-08/11/2025 <br> Ready for Review-Document Uploaded. fidelity coverage is not required for non-warrantable condos - Seller-08/07/2025 <br> Open-Fidelity Coverage not met. Project insurance provided shows property and flood coverage only. COI is not complete and is missing Fidelity/Crime coverage to determine if guides are met. Additional findings may apply. - Due Diligence Vendor-08/04/2025 | Ready for Review-Document Uploaded. fidelity coverage is not required for non-warrantable condos - Seller-08/07/2025<br>| Resolved-Fidelity coverage received. - Due Diligence Vendor-08/11/2025<br>| Months Reserves exceed minimum required - 7.50 months PITIA reserves; 6 months reserves required.<br>Long term residence - Borrower own primary residence from the past 12 years |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 841357 | xxxxxx D A C | Closed | xxxxxx | 2025-08-04 14:50 | 2025-08-11 15:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Condo Master Insurance Policy is Partial | Resolved-Received liability coverage. - Due Diligence Vendor-08/11/2025 <br> Ready for Review-Document Uploaded. - Seller-08/07/2025 <br> Open-Condo Master Insurance Policy Partially Provided Project insurance provided shows property and flood coverage only. missing General Liability coverage to determine if guides are met. - Due Diligence Vendor-08/04/2025 | Ready for Review-Document Uploaded. - Seller-08/07/2025<br>| Resolved-Received liability coverage. - Due Diligence Vendor-08/11/2025<br>| Months Reserves exceed minimum required - 7.50 months PITIA reserves; 6 months reserves required.<br>Long term residence - Borrower own primary residence from the past 12 years |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 841378 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 841386 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 841388 | xxxxxx D B A | Closed | xxxxxx | 2025-07-09 19:30 | 2025-07-30 09:53 | Waived | 2 - Non-Material C B | Credit | Closing | Prepayment Penalty Issue | Waived-Client provided a waiver for 1 year prepayment penalty, applied to non material finding with comp factors - Due Diligence Vendor-07/30/2025 <br> Open-Prepayment Penalty is only for one year. Per 1008 there is an exception fir a 1 year PP, no exception in the file. - Due Diligence Vendor-07/09/2025 |  | Waived-Client provided a waiver for 1 year prepayment penalty, applied to non material finding with comp factors - Due Diligence Vendor-07/30/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 747; guidelines require 700. <br>On time mortgage history exceeds guideline requirement - Mortgage History 0x30x12 | Credit Score 30+ points > minimum required<br> Current primary home ownership > 2 years <br> 0x30 for 24 months on all mortgages | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 841388 | xxxxxx D B A | Closed | xxxxxx | 2025-07-09 11:29 | 2025-07-28 10:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received Permanent Resident Alien documentation. - Due Diligence Vendor-07/28/2025 <br> Open-Borrower Citizenship Documentation Is Missing. - Due Diligence Vendor-07/09/2025 |  | Resolved-Received Permanent Resident Alien documentation. - Due Diligence Vendor-07/28/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 747; guidelines require 700. <br>On time mortgage history exceeds guideline requirement - Mortgage History 0x30x12 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 841388 | xxxxxx D B A | Closed | xxxxxx | 2025-07-09 19:38 | 2025-07-17 10:43 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received Business Purpose Certification - Due Diligence Vendor-07/17/2025 <br> Open-The Business Purpose Affidavit Disclosure is Missing. - Due Diligence Vendor-07/09/2025 |  | Resolved-Received Business Purpose Certification - Due Diligence Vendor-07/17/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 747; guidelines require 700. <br>On time mortgage history exceeds guideline requirement - Mortgage History 0x30x12 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 841581 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 841612 | xxxxxx D A | Closed | xxxxxx | 2025-07-25 15:30 | 2025-08-18 14:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Resolved-Received LOE - Due Diligence Vendor-08/18/2025 <br> Ready for Review-Document Uploaded. - Seller-08/14/2025 <br> Counter-Received ownership - missing LOX - Due Diligence Vendor-07/31/2025 <br> Ready for Review-Document Uploaded. - Seller-07/30/2025 <br> Open-Missing LOX for xxxxxx, borrower's mailing address on contact consent form. - Due Diligence Vendor-07/25/2025 | Ready for Review-Document Uploaded. - Seller-08/14/2025 <br>Ready for Review-Document Uploaded. - Seller-07/30/2025<br>| Resolved-Received LOE - Due Diligence Vendor-08/18/2025<br>| LTV is less than guideline maximum - LTV 55% max 75%.<br>Long term residence - Long Term Residence = 5+ years |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 841612 | xxxxxx D A | Closed | xxxxxx | 2025-07-25 14:58 | 2025-07-31 17:18 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received amended Operation Agreement reflecting borrower has sole member for xxxxxx. - Due Diligence Vendor-07/31/2025 <br> Ready for Review-Document Uploaded. - Seller-07/30/2025 <br> Open-Property Title Issue Missing evidence of ownership of xxxxxx. If this entity is owned by another entity, provide the LLC documents for the entity and any other entities that are owners until final individual member owners are determined. Title reports vesting to be in xxxxxx, and operating agreement for this LLC notes 100% ownership by xxxxxx. Operating agreement for xxxxxx notes 100% ownership by xxxxxx. Ownership of xxxxxx was not provided in the file. Additional findings may apply. - Due Diligence Vendor-07/25/2025 | Ready for Review-Document Uploaded. - Seller-07/30/2025<br>| Resolved-Received amended Operation Agreement reflecting borrower has sole member for xxxxxx. - Due Diligence Vendor-07/31/2025 | LTV is less than guideline maximum - LTV 55% max 75%.<br>Long term residence - Long Term Residence = 5+ years |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 841612 | xxxxxx D A | Closed | xxxxxx | 2025-07-28 15:47 | 2025-07-31 17:14 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Note Document | Resolved-Received Wet signed Note. - Due Diligence Vendor-07/31/2025 <br> Ready for Review-Document Uploaded. - Seller-07/31/2025 <br> Open-There are Issues Present on the Note that must be addressed. 1. Note provided was signed digitally and is not acceptable-guide silent on this however per xxxxxx does not allow E-signature on note. 2. Notary was notarized in xxxxxx. per xxxxxx guides- pg 16 Documents signed by the borrowers outside of the xxxxxx must be notarized by a xxxxxx on consular official. - Due Diligence Vendor-07/28/2025 | Ready for Review-Document Uploaded. - Seller-07/31/2025<br>| Resolved-Received Wet signed Note. - Due Diligence Vendor-07/31/2025 | LTV is less than guideline maximum - LTV 55% max 75%.<br>Long term residence - Long Term Residence = 5+ years |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 841616 | xxxxxx C B A | Closed | xxxxxx | 2025-08-08 12:07 | 2025-08-12 10:09 | Resolved | 1 - Information C A | Credit | Insurance | Fidelity Coverage not met | Resolved-Per xxxxxx state law fidelity bond is restricted to A fidelity bond, as follows: (A) An association with more than five dwelling units shall obtain and maintain a fidelity bond covering persons, including the managing agent and its employees who control or disburse funds of the association, in an amount equal to $500 multiplied by the number of units; provided that the amount of the fidelity bond required by this paragraph shall not be less than $20,000 nor greater than $200,000.-received confirmation of acceptable coverage per state. <br> - Due Diligence Vendor-08/12/2025 <br> Open-Fidelity Coverage not met. For condominium projects consisting of more than 20 units, fidelity insurance coverage equaling at least the sum of three months of assessments on all units in the project is required. xxxxxx HOI confirms xxxxxx in coverage; xxxxxx is required. - Due Diligence Vendor-08/08/2025 |  | Resolved-Per xxxxxx state law fidelity bond is restricted to A fidelity bond, as follows: (A) An association with more than xxxxxx dwelling units shall obtain and maintain a fidelity bond covering persons, including the managing agent and its employees who control or disburse funds of the association, in an amount equal to $500 multiplied by the number of units; provided that the amount of the fidelity bond required by this paragraph shall not be less than $20,000 nor greater than $200,000.-received confirmation of acceptable coverage per state. <br> - Due Diligence Vendor-08/12/2025 | Months Reserves exceed minimum required - Guidelines require 2 months of reserves. Qualifying reserves are 67 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 802; guidelines require 700. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841616 | xxxxxx C B A | Closed | xxxxxx | 2025-08-08 09:02 | 2025-08-08 12:29 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client waiver applied to non-material finding with compensating factors. - Due Diligence Vendor-08/08/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Borrower lives Rent fee with family. - Due Diligence Vendor-08/08/2025 |  | Waived-Client waiver applied to non-material finding with compensating factors. - Due Diligence Vendor-08/08/2025 | Months Reserves exceed minimum required - Guidelines require 2 months of reserves. Qualifying reserves are 67 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 802; guidelines require 700. | Reserves exceed requirement by 10 months or more. <br> Qualifying FICO score 802; guidelines require 700.<br> Experienced investor owns and manages 2 or more properties for 12 months | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 841616 | xxxxxx C B A | Closed | xxxxxx | 2025-08-08 09:17 | 2025-08-08 12:17 | Waived | 2 - Non-Material C B | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Waived-Client exception granted to allow Square footage less than 500 (xxxxxx), Non-material waiver applied with comp factors. - Due Diligence Vendor-08/08/2025 <br> Open-Property Issues are identified for the property Square footage less than 500 (xxxxxx) and xxxxxx. - Due Diligence Vendor-08/08/2025 |  | Waived-Client exception granted to allow Square footage less than 500 (xxxxxx), Non-material waiver applied with comp factors. - Due Diligence Vendor-08/08/2025 | Months Reserves exceed minimum required - Guidelines require 2 months of reserves. Qualifying reserves are 67 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 802; guidelines require 700. | Reserves exceed requirement by 10 months or more.<br> Qualifying FICO score 802; guidelines require 700. | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 841623 | xxxxxx D B A | Closed | xxxxxx | 2025-07-29 11:29 | 2025-08-06 09:28 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-08/06/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. missing legal - Due Diligence Vendor-07/29/2025 |  | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-08/06/2025 | LTV is less than guideline maximum - 59.85% LTV is less than 75% guideline maximum<br>Qualifying FICO score is at least 20 points above minimum for program - 714 Qualifying FICO score is at least 20 points above 660 minimum for program |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841623 | xxxxxx D B A | Closed | xxxxxx | 2025-08-01 12:20 | 2025-08-06 09:25 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received complete fraud report. - Due Diligence Vendor-08/06/2025 <br> Open-All Interested Parties Not Checked with Exclusionary Lists - Due Diligence Vendor-08/01/2025 |  | Resolved-Received complete fraud report. - Due Diligence Vendor-08/06/2025 | LTV is less than guideline maximum - 59.85% LTV is less than 75% guideline maximum<br>Qualifying FICO score is at least 20 points above minimum for program - 714 Qualifying FICO score is at least 20 points above 660 minimum for program |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841623 | xxxxxx D B A | Closed | xxxxxx | 2025-08-01 12:20 | 2025-08-06 09:25 | Resolved | 1 - Information C A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-Received complete fraud report confirm OFAC check completed. - Due Diligence Vendor-08/06/2025 <br> Open-OFAC Check Not Completed and/or Cleared - Due Diligence Vendor-08/01/2025 |  | Resolved-Received complete fraud report confirm OFAC check completed. - Due Diligence Vendor-08/06/2025 | LTV is less than guideline maximum - 59.85% LTV is less than 75% guideline maximum<br>Qualifying FICO score is at least 20 points above minimum for program - 714 Qualifying FICO score is at least 20 points above 660 minimum for program |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841623 | xxxxxx D B A | Closed | xxxxxx | 2025-08-01 12:20 | 2025-08-06 09:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received complete fraud report. - Due Diligence Vendor-08/06/2025 <br> Open-Missing Third Party Fraud Report - Due Diligence Vendor-08/01/2025 |  | Resolved-Received complete fraud report. - Due Diligence Vendor-08/06/2025 | LTV is less than guideline maximum - 59.85% LTV is less than 75% guideline maximum<br>Qualifying FICO score is at least 20 points above minimum for program - 714 Qualifying FICO score is at least 20 points above 660 minimum for program |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841623 | xxxxxx D B A | Closed | xxxxxx | 2025-08-01 12:32 | 2025-08-01 14:42 | Waived | 2 - Non-Material C B | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Waived-Client exception granted to allow VOR with out canceled checks, Non-materialwaiver applied with comp factors. - Due Diligence Vendor-08/01/2025 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Exception for VOR for current primary without 6 mo cancelled checks/statements - Due Diligence Vendor-08/01/2025 |  | Waived-Client exception granted to allow VOR with out canceled checks, Non-materialwaiver applied with comp factors. - Due Diligence Vendor-08/01/2025 | LTV is less than guideline maximum - 59.85% LTV is less than 75% guideline maximum<br>Qualifying FICO score is at least 20 points above minimum for program - 714 Qualifying FICO score is at least 20 points above 660 minimum for program | LTV 10% or more below maximum allowed<br> Experienced investor owns/manages 2 or more properties for 12 mo | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 841673 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 841736 | xxxxxx C A | Closed | xxxxxx | 2025-07-21 13:27 | 2025-08-15 07:18 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Proof of wire to the title company for funds to close provided. - Due Diligence Vendor-08/15/2025 <br> Counter-Evidence of EMD provided, however the additional deposit does not contain the account holder name and account number. - Due Diligence Vendor-08/14/2025 <br> Ready for Review-Document Uploaded. EMD must be taken into consideration - all documentation in file (see attached) - Seller-08/12/2025 <br> Counter-Documentation insufficient-Credit not given for $75,000 EMD due to inadequate documentation. Balance and exchange contract provided. However, guidelines require that verified funds for closing are to be wired directly to the closing agent. Wire transfer to include bank name, accountholder name, and account number. The bank used as source of wire transfer must match the bank holding the assets verified in the loan file. Missing wire to title company with required information in order to include as liquid assets. - Due Diligence Vendor-07/28/2025 <br> Ready for Review-Document Uploaded. this is not in our guidelines - guidelines do not list borrower cannot use foreign funds for EMD - Seller-07/24/2025 <br> Open-Total Qualified Assets Post-Close amount is '$-31774.07'. Assets are Insufficient.- unable to give credit for EMD is coming from foreign funds. foreign funds used for reserves only. - Due Diligence Vendor-07/21/2025 | Ready for Review-Document Uploaded. EMD must be taken into consideration - all documentation in file (see attached) - Seller-08/12/2025 <br> Ready for Review-Document Uploaded. this is not in our guidelines - guidelines do not list borrower cannot use foreign funds for EMD - Seller-07/24/2025 | Resolved-Proof of wire to the title company for funds to close provided. - Due Diligence Vendor-08/15/2025 | DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.451; minimum DSCR 1.00<br>LTV is less than guideline maximum - LTV 70% max 75%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 841736 | xxxxxx C A | Closed | xxxxxx | 2025-07-21 13:27 | 2025-08-15 07:01 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Less Than 2 Months Verified | Resolved-After further review, 1-months bank statement is required. - Due Diligence Vendor-08/15/2025 <br> Counter-Evidence of EMD provided, however the additional deposit does not contain the account holder name and account number. - Due Diligence Vendor-08/14/2025 <br> Ready for Review-Document Uploaded. - Seller-08/12/2025 <br> Counter-Documentation is insufficient-verified funds for closing must be transferred to closing agent and wire transfer to match. Finding remains. - Due Diligence Vendor-07/28/2025 <br> Ready for Review-Document Uploaded. not required - Seller-07/24/2025 <br> Open-Asset 2 Less Than 2 Months Verified - Due Diligence Vendor-07/21/2025 | Ready for Review-Document Uploaded. - Seller-08/12/2025 <br> Ready for Review-Document Uploaded. not required - Seller-07/24/2025 | Resolved-After further review, 1-months bank statement is required. - Due Diligence Vendor-08/15/2025 | DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.451; minimum DSCR 1.00<br>LTV is less than guideline maximum - LTV 70% max 75%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 841736 | xxxxxx C A | Closed | xxxxxx | 2025-07-21 13:27 | 2025-08-15 07:00 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Less Than 2 Months Verified | Resolved-After further review, 1-months bank statement is required. - Due Diligence Vendor-08/15/2025 <br> Counter-Evidence of EMD provided, however the additional deposit does not contain the account holder name and account number. - Due Diligence Vendor-08/14/2025 <br> Ready for Review-Document Uploaded. - Seller-08/12/2025 <br> Counter-Documentation is insufficient-verified funds for closing must be transferred to closing agent and wire transfer to match. - Due Diligence Vendor-07/28/2025 <br> Ready for Review-Document Uploaded. 2 months are not required - Seller-07/24/2025 <br> Open-Asset 1 Less Than 2 Months Verified - Due Diligence Vendor-07/21/2025 | Ready for Review-Document Uploaded. - Seller-08/12/2025 <br> Ready for Review-Document Uploaded. 2 months are not required - Seller-07/24/2025 | Resolved-After further review, 1-months bank statement is required. - Due Diligence Vendor-08/15/2025 | DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.451; minimum DSCR 1.00<br>LTV is less than guideline maximum - LTV 70% max 75%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 841736 | xxxxxx C A | Closed | xxxxxx | 2025-07-21 13:13 | 2025-08-14 15:35 | Resolved | 1 - Information C A | Credit | Eligibility | Purchase Contract Issue | Resolved-Received change order confirming changing to LLC. - Due Diligence Vendor-08/14/2025 <br> Counter-Missing Amendment changing the buyer to the LLC. - Due Diligence Vendor-08/14/2025 <br> Ready for Review-Document Uploaded. this loan closed under LLC - addendum was previously provided - LLC is owned by both borrowers - Seller-08/12/2025 <br> Counter-Received Options-documentation is insufficient-original finding remains. - Due Diligence Vendor-07/28/2025 <br> Ready for Review-Document Uploaded. loan closed under LLC - addendum under LLC is in the file - Seller-07/24/2025 <br> Open-Loan Purpose is Purchase but Purchase Contract is only Partially Provided. Missing addendum including both borrowers. Purchase agreement includes B1 only. However, loan has two borrowers - Due Diligence Vendor-07/21/2025 | Ready for Review-Document Uploaded. this loan closed under LLC - addendum was previously provided - LLC is owned by both borrowers - Seller-08/12/2025 <br> Ready for Review-Document Uploaded. loan closed under LLC - addendum under LLC is in the file - Seller-07/24/2025 | Resolved-Received change order confirming changing to LLC. - Due Diligence Vendor-08/14/2025 | DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.451; minimum DSCR 1.00<br>LTV is less than guideline maximum - LTV 70% max 75%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 841753 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 841823 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 841826 | xxxxxx C A | Closed | xxxxxx | 2025-08-04 08:20 | 2025-08-13 12:38 | Resolved | 1 - Information C A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-Confirmed the property does not have a xxxxxx. The appraiser did not indicate this was a health or safety issue. - Due Diligence Vendor-08/13/2025 <br> Counter-Received confirmation from appraiser xxxxxx to property--guidelines xxxxxx confirms xxxxxx are considered health and safety and must be fixed. Finding remains. - Due Diligence Vendor-08/08/2025 <br> Open-Property #3 - The xxxxxx, which is a health & safety concern. - Due Diligence Vendor-08/04/2025 |  | Resolved-Confirmed the property does not have a xxxxxx but a xxxxxx. The appraiser did not indicate this was a health or safety issue. - Due Diligence Vendor-08/13/2025 | DSCR % greater than 1.20 - DSCR % is 1.31, min DSCR of 1.20 required<br>Qualifying FICO score is at least 20 points above minimum for program - 700 qualifying FICO score, 660 minimum score required.<br>LTV is less than guideline maximum - LTV is 57.07%, max allowed is 65% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841863 | xxxxxx D A C | Closed | xxxxxx | 2025-07-14 15:27 | 2025-09-05 10:40 | Resolved | 1 - Information C A | Credit | Insurance | Master Policy Expiration Date is Prior To the Note Date | Resolved-Received master policy - Due Diligence Vendor-09/05/2025 <br> Open-Master Policy Expiration Date of xxxxxx is Prior To the Transaction Date of xxxxxx Master Insurance Policy has expired prior to closing. - Due Diligence Vendor-07/15/2025 |  | Resolved-Received master policy - Due Diligence Vendor-09/05/2025 | LTV is less than guideline maximum - 65% LTV vs. max LTV 80%<br>Months Reserves exceed minimum required - Borrower verified 12.14 months of PITIA reserves, 3 months minimum required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 841863 | xxxxxx D A C | Closed | xxxxxx | 2025-07-15 10:19 | 2025-08-26 13:00 | Resolved | 1 - Information C A | Credit | Eligibility | Condo project has pending litigation | Resolved-After further review the litigation in question is against the shareholders and not the HOA itself. The HOA was included because of a technical connection to the matter in dispute, but has no responsibility, no fault and no rights to recovery. The litigation is not structural in nature nor does it involve any health and safety issues. Condition is resolved - Due Diligence Vendor-08/26/2025 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-08/26/2025 <br> Open-Per Co-op Questionnaire, there is pending litigation involving the HOA. Loan file is missing documentation of the litigation. The following documentation is missing/required for review: the reason for the lawsuit, if the HOA is defendant or plaintiff in the lawsuit; if the lawsuit is major or minor in nature; if the lawsuit relates to safety, structural or functionality of a unit(s) or building; the amount of the lawsuit; and a letter from an attorney or the HOA stating thelawsuit is covered by insurance. - Due Diligence Vendor-07/15/2025 |  | Resolved-After further review the litigation in question is against the shareholders and not the HOA itself. The HOA was included because of a technical connection to the matter in dispute, but has no responsibility, no fault and no rights to recovery. The litigation is not structural in nature nor does it involve any health and safety issues. Condition is resolved - Due Diligence Vendor-08/26/2025 | LTV is less than guideline maximum - 65% LTV vs. max LTV 80%<br>Months Reserves exceed minimum required - Borrower verified 12.14 months of PITIA reserves, 3 months minimum required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 841863 | xxxxxx D A C | Closed | xxxxxx | 2025-07-14 15:21 | 2025-08-01 10:05 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received secondary valuation. - Due Diligence Vendor-08/01/2025 <br> Open-Additional valuation product has not been provided. Loan file is missing a secondary valuation for the subject property. - Due Diligence Vendor-07/15/2025 |  | Resolved-Received secondary valuation. - Due Diligence Vendor-08/01/2025 | LTV is less than guideline maximum - 65% LTV vs. max LTV 80%<br>Months Reserves exceed minimum required - Borrower verified 12.14 months of PITIA reserves, 3 months minimum required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 841874 | xxxxxx D B A | Closed | xxxxxx | 2025-07-18 11:54 | 2025-08-13 14:17 | Resolved | 1 - Information C A | Credit | Closing | Calculated Initial Payment and Initial Principal and Interest Payment do not match | Resolved-Corrected signed Note provided. - Due Diligence Vendor-08/13/2025 <br> Counter-Received commentary regarding cross collateralization-review is unable to clarify. Lien is not eligible for cross collateralization. Original finding remains. - Due Diligence Vendor-07/29/2025 <br> Counter-1003 reflecting the correct P&I provided, however this is insufficient to resolve this finding. - Due Diligence Vendor-07/25/2025 <br> Open-Calculated Initial P&I Payment Amount does not match Initial P&I Payment Amount (Variance exceeds $0.01) P&I on note shows 2720.19. Payment calculated by xxxxxx is 2744.77. The difference is 24.58. - Due Diligence Vendor-07/18/2025 |  | Resolved-Corrected signed Note provided. - Due Diligence Vendor-08/13/2025 | CLTV is less than guidelines maximum - CLTV 69.64% is lower than maximum 75%<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 712 is higher than the required 680<br>Qualifying DTI below maximum allowed - DTI 14.67% is lower than allowable 50% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841874 | xxxxxx D B A | Closed | xxxxxx | 2025-07-23 09:18 | 2025-08-07 14:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-VOM provided for the subject. The lien is a blanket lien on this property and another property. - Due Diligence Vendor-08/07/2025 <br> Counter-New documentation was not attached. - Due Diligence Vendor-08/04/2025 <br> Counter-Received duplicate documentation. Missing VOM and 6 months proof of payments for the lien being paid at close. - Due Diligence Vendor-08/01/2025 <br> Ready for Review-Document Uploaded. - Seller-07/31/2025 <br> Counter-Documentation was not attached. Please provide VOM and 6 months proof of payments for the lien being paid at close. - Due Diligence Vendor-07/31/2025 <br> Counter-VOM provided reflects the current balance as $498,462 however the payoff at closing was $254,288.46. In addition, 6 months proof of payments is required. - Due Diligence Vendor-07/25/2025 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing 12 month VOM for private 2nd lien that was paid off at closing. Additional conditions may apply - Due Diligence Vendor-07/23/2025 | Ready for Review-Document Uploaded. - Seller-07/31/2025 | Resolved-VOM provided for the subject. The lien is a blanket lien on this property and another property. - Due Diligence Vendor-08/07/2025 | CLTV is less than guidelines maximum - CLTV 69.64% is lower than maximum 75%<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 712 is higher than the required 680<br>Qualifying DTI below maximum allowed - DTI 14.67% is lower than allowable 50% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841874 | xxxxxx D B A | Closed | xxxxxx | 2025-07-22 07:53 | 2025-08-07 14:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-07/25/2025 <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-07/22/2025 |  | Resolved-Received Gap Report. - Due Diligence Vendor-07/25/2025 | CLTV is less than guidelines maximum - CLTV 69.64% is lower than maximum 75%<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 712 is higher than the required 680<br>Qualifying DTI below maximum allowed - DTI 14.67% is lower than allowable 50% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841874 | xxxxxx D B A | Closed | xxxxxx | 2025-07-23 08:57 | 2025-07-30 10:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Received business bank statement analysis. - Due Diligence Vendor-07/30/2025 <br> Counter-Summary provided does not disclose the Months, Bank Name or the Account #. - Due Diligence Vendor-07/25/2025 <br> Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing - Due Diligence Vendor-07/23/2025 |  | Resolved-Received business bank statement analysis. - Due Diligence Vendor-07/30/2025 | CLTV is less than guidelines maximum - CLTV 69.64% is lower than maximum 75%<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 712 is higher than the required 680<br>Qualifying DTI below maximum allowed - DTI 14.67% is lower than allowable 50% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841874 | xxxxxx D B A | Closed | xxxxxx | 2025-07-18 14:09 | 2025-07-18 14:11 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-07/18/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-07/18/2025 | CLTV is less than guidelines maximum - CLTV 69.64% is lower than maximum 75%<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 712 is higher than the required 680<br>Qualifying DTI below maximum allowed - DTI 14.67% is lower than allowable 50% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 841940 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 841981 | xxxxxx C A | Closed | xxxxxx | 2025-08-11 12:05 | 2025-08-11 15:31 | Resolved | 1 - Information C A | Credit | Insurance | Rent Loss Coverage is Insufficient or Missing | Resolved-After further review, guidelines allow for 6 months additional reserves in lieu of rent loss coverage. 49 months of reserves verified. - Due Diligence Vendor-08/11/2025 <br> Open-Rent Loss Coverage is Insufficient or Missing. HOI docs on file do not indicate Rent Loss coverage is included. - Due Diligence Vendor-08/11/2025 |  | Resolved-After further review, guidelines allow for 6 months additional reserves in lieu of rent loss coverage. 49 months of reserves verified. - Due Diligence Vendor-08/11/2025 | Months Reserves exceed minimum required - 49 mths reserves; 2 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700, Bwr FICO 790 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841991 | xxxxxx C B A | Closed | xxxxxx | 2025-08-13 15:59 | 2025-08-14 18:02 | Waived | 2 - Non-Material C B | Credit | Eligibility | Neighborhood Location Not Allowed for Program | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-08/14/2025 <br> Open-Primary Value Valuation Neighborhood Location Not Allowed for Program Rural not eligible. Exception in file - Due Diligence Vendor-08/13/2025 |  | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-08/14/2025 | LTV is less than guideline maximum - 60% LTV; 80% max LTV<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700 and borrower has 807 > 100 points | 60% LTV<br> High FICO 807<br> DSCR ratio: 1.034<br> Experienced investor | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 841991 | xxxxxx C B A | Closed | xxxxxx | 2025-08-14 17:40 | 2025-08-14 18:02 | Waived | 2 - Non-Material C B | Credit | Eligibility | Acreage exceeds guidelines | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-08/14/2025 <br> Open-Acreage allowed up to 2. Subject property has xxxxxx and is ineligible. Exception in file - Due Diligence Vendor-08/14/2025 |  | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-08/14/2025 | LTV is less than guideline maximum - 60% LTV; 80% max LTV<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700 and borrower has 807 > 100 points | 60% LTV<br> High FICO 807<br> DSCR ratio: 1.034<br> Experienced investor | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 841991 | xxxxxx C B A | Closed | xxxxxx | 2025-08-13 17:54 | 2025-08-14 18:01 | Waived | 2 - Non-Material C B | Credit | Eligibility | Property Type does not meet eligibility requirements | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as home can be rebuilt if damaged or destroyed and A1 zone is not uncommon for area. - Due Diligence Vendor-10/14/2025 <br> Open-Exception in file for subject's property zoning of A1 - Agricultural. Per city documentation it is not uncommon for homes in this area to be on properties zoned A1 and can be rebuilt if damaged or destroyed. Subject property is a single-family residence and no outbuildings or evidence of any working land. - Due Diligence Vendor-10/14/2025 |  | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as xxxxxx and A1 zone is not uncommon for area. - Due Diligence Vendor-10/14/2025 | LTV is less than guideline maximum - 60% LTV; 80% max LTV<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700 and borrower has 807 > 100 points | 60% LTV<br> High FICO 807<br> DSCR ratio: 1.034<br> Experienced investor | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 842022 | xxxxxx D B A | Closed | xxxxxx | 2025-09-23 07:40 | 2025-10-06 09:21 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Rec'd revised CD issued xxxxxx and COC for increase in credit fee. Finding resolved. - Due Diligence Vendor-10/06/2025 <br> Counter------Zero (0%) tolerance fees increased by $9.75 (credit report) 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 $9.75, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 1 year. Expiration xxxxxx. - Due Diligence Vendor-09/30/2025 <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 $.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 $130.75 (appraisal & transfer tax) 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 $130.75, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 1 year. Expiration xxxxxx. \*\*COC in file but initial CD is not signed.<br> - Due Diligence Vendor-09/23/2025 |  | Resolved-Rec'd revised CD issued xxxxxx and COC for increase in credit fee. Finding resolved. - Due Diligence Vendor-10/06/2025 | Months Reserves exceed minimum required - The Borrower has reserves in the amount of 3; guideline minimum is 6 months.<br>Qualifying FICO score is at least 20 points above minimum for program - The Borrowers FICO score is 742; guideline minimum is 640. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 842022 | xxxxxx D B A | Closed | xxxxxx | 2025-09-30 10:04 | 2025-09-30 10:19 | Resolved | 1 - Information C A | Compliance | ComplianceEase | TRID Disclosure Dates and Personal Delivery Validation Test | Resolved-Received signed copy of CD xxxxxx. - Due Diligence Vendor-09/30/2025 <br> Open-This loan failed the TRID disclosure dates and personal delivery validation test.This loan contains either:A Revised Loan Estimate Receipt Date that is after the Revised Loan Estimate Delivery Date; orThe Initial Closing Disclosure Receipt Date that is after the Initial Closing Disclosure Delivery Date; orThe Revised Closing Disclosure Receipt Date that is after the Revised Closing Disclosure Delivery Date.However, the method of delivery is marked as "Personal." Please review the loan data to ensure the dates and method of delivery are correct. - Due Diligence Vendor-09/30/2025 |  | Resolved-Received signed copy of CD xxxxxx. - Due Diligence Vendor-09/30/2025 | Months Reserves exceed minimum required - The Borrower has reserves in the amount of 3; guideline minimum is 6 months.<br>Qualifying FICO score is at least 20 points above minimum for program - The Borrowers FICO score is 742; guideline minimum is 640. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 842022 | xxxxxx D B A | Closed | xxxxxx | 2025-09-23 07:40 | 2025-09-30 10:04 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-Received proof of delivery xxxxxx, finding resolved. - Due Diligence Vendor-09/30/2025 <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. ----- Initial CD xxxxxx 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 xxxxxx. Statute of Limitations 3 years- Expiration date is xxxxxx. <br> - Due Diligence Vendor-09/23/2025 |  | Resolved-Received proof of delivery xxxxxx, finding resolved. - Due Diligence Vendor-09/30/2025 | Months Reserves exceed minimum required - The Borrower has reserves in the amount of 3; guideline minimum is 6 months.<br>Qualifying FICO score is at least 20 points above minimum for program - The Borrowers FICO score is 742; guideline minimum is 640. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 842022 | xxxxxx D B A | Closed | xxxxxx | 2025-09-23 07:27 | 2025-09-30 09:59 | Resolved | 1 - Information B A | Compliance | Missing Doc | Home Loan Toolkit is Missing | Resolved-Received Home Loan Toolkit disclosure - Due Diligence Vendor-09/30/2025 <br> Open-The Home Loan Toolkit disclosure is missing. -----Home Loan Toolkit disclosure is missing - Due Diligence Vendor-09/23/2025 |  | Resolved-Received Home Loan Toolkit disclosure - Due Diligence Vendor-09/30/2025 | Months Reserves exceed minimum required - The Borrower has reserves in the amount of 3; guideline minimum is 6 months.<br>Qualifying FICO score is at least 20 points above minimum for program - The Borrowers FICO score is 742; guideline minimum is 640. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 842022 | xxxxxx D B A | Closed | xxxxxx | 2025-09-23 07:27 | 2025-09-30 09:59 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Received Homeownership Counseling Disclosure - Due Diligence Vendor-09/30/2025 <br> Open-Homeownership Counseling Disclosure Is Missing -----Please provide Homeownership Counseling Disclosure provided to borrower within three business days of application date.<br> - Due Diligence Vendor-09/23/2025 |  | Resolved-Received Homeownership Counseling Disclosure - Due Diligence Vendor-09/30/2025 | Months Reserves exceed minimum required - The Borrower has reserves in the amount of 3; guideline minimum is 6 months.<br>Qualifying FICO score is at least 20 points above minimum for program - The Borrowers FICO score is 742; guideline minimum is 640. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 842022 | xxxxxx D B A | Closed | xxxxxx | 2025-09-25 13:33 | 2025-09-29 12:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing final HUD-1 from sale of non-subject property | Resolved-Received final hUD for xxxxxx - Due Diligence Vendor-09/29/2025 <br> Open-Missing HUD/CD for xxxxxx. - Due Diligence Vendor-09/25/2025 |  | Resolved-Received final hUD for xxxxxx - Due Diligence Vendor-09/29/2025 | Months Reserves exceed minimum required - The Borrower has reserves in the amount of 3; guideline minimum is 6 months.<br>Qualifying FICO score is at least 20 points above minimum for program - The Borrowers FICO score is 742; guideline minimum is 640. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 842022 | xxxxxx D B A | Closed | xxxxxx | 2025-09-24 16:17 | 2025-09-29 12:21 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received loan approval. - Due Diligence Vendor-09/29/2025 <br> Open-Missing Approval/Underwriting Summary Missing Loan Approval and 1008. - Due Diligence Vendor-09/24/2025 |  | Resolved-Received loan approval. - Due Diligence Vendor-09/29/2025 | Months Reserves exceed minimum required - The Borrower has reserves in the amount of 3; guideline minimum is 6 months.<br>Qualifying FICO score is at least 20 points above minimum for program - The Borrowers FICO score is 742; guideline minimum is 640. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 842022 | xxxxxx D B A | Closed | xxxxxx | 2025-09-23 07:27 | 2025-09-23 07:42 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-09/23/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-09/23/2025 | Months Reserves exceed minimum required - The Borrower has reserves in the amount of 3; guideline minimum is 6 months.<br>Qualifying FICO score is at least 20 points above minimum for program - The Borrowers FICO score is 742; guideline minimum is 640. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 842078 | xxxxxx C B A | Closed | xxxxxx | 2025-08-20 16:43 | 2025-09-09 09:30 | Waived | 2 - Non-Material C B | Credit | Eligibility | Condo does not meet requirements | Waived-Client exception granted to allow Investor concentration > 60% Non-material waiver applied with comp factors. - Due Diligence Vendor-08/22/2025 <br> Open-exception for investor concentration within project is 89.38% as xxxxxx out of xxxxxx total units are investments. - Due Diligence Vendor-08/20/2025 |  | Waived-Client exception granted to allow Investor concentration > 60% Non-materialwaiver applied with comp factors. non-material due to reserves - Due Diligence Vendor-08/22/2025 | Months Reserves exceed minimum required - 6 months reserves required - borrower has 114.15 months reserves<br>Qualifying FICO score is at least 20 points above minimum for program - 680 Minimum FICO - borrower has 804 FICO | Credit score 10+ points > minimum required -0804 (680)<br> DTI 25.10% - 50% maximum<br> residual income more than 1.5 amount required: $11, 7000 ($2750)<br> Primary owned for 20+ yrs > 2 years<br> Reserves exceed requirement by 2 months or more : 60 mo (6 mo)<br> 0x30x6 | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 842078 | xxxxxx C B A | Closed | xxxxxx | 2025-08-18 13:49 | 2025-09-08 09:40 | Cured | 2 - Non-Material C B | Compliance | Points & Fees | TILA Finance Charge Test | Cured-Finance Charge was cured on PCCD xxxxxx, refund check, LOE and delivery provided. - Due Diligence Vendor-09/08/2025 <br> Open-This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2))The finance charge is $348,339.70. The disclosed finance charge of $347,508.34 is not considered accurate because it is understated by more than $100. -----This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2)). The finance charge is $348,339.70. The disclosed finance charge of $347,508.34 is not considered accurate because it is understated by more than $100 at $831.36. Provide evidence of refund or principal reduction of $831.36, or at a minimum to the $100 threshold, corrected PCCD, Letter of explanation and proof of delivery to borrower within 60 days of discovery. Statute also requires rescission to be re-opened, therefore ROR is required to be provided. Statue of Limitations - 1 year, expiration date xxxxxx. - Due Diligence Vendor-08/18/2025 |  | Cured-Finance Charge was cured on PCCD xxxxxx, refund check, LOE and delivery provided. - Due Diligence Vendor-09/08/2025 | Months Reserves exceed minimum required - 6 months reserves required - borrower has 114.15 months reserves<br>Qualifying FICO score is at least 20 points above minimum for program - 680 Minimum FICO - borrower has 804 FICO |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 842078 | xxxxxx C B A | Closed | xxxxxx | 2025-08-18 13:22 | 2025-09-08 09:24 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received COC for increase in Loan Discount fee. - Due Diligence Vendor-09/08/2025 <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 $249.57.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 $249.57 (Loan Discount 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 $249.57, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 1 year- Expiration date is xxxxxx. - Due Diligence Vendor-08/18/2025 |  | Resolved-Received COC for increase in Loan Discount fee. - Due Diligence Vendor-09/08/2025 | Months Reserves exceed minimum required - 6 months reserves required - borrower has 114.15 months reserves<br>Qualifying FICO score is at least 20 points above minimum for program - 680 Minimum FICO - borrower has 804 FICO |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 842078 | xxxxxx C B A | Closed | xxxxxx | 2025-08-18 12:30 | 2025-08-18 13:36 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-08/18/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-08/18/2025 | Months Reserves exceed minimum required - 6 months reserves required - borrower has 114.15 months reserves<br>Qualifying FICO score is at least 20 points above minimum for program - 680 Minimum FICO - borrower has 804 FICO |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 842124 | xxxxxx D B A | Closed | xxxxxx | 2025-07-14 16:54 | 2025-07-30 10:03 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing letter of explanation | Waived-The request for an exception to xxxxxx eligibility criteria is granted for missing LOE. Non-material as it appears the borrower is using the cash out funds to xxxxxx the subject. - Due Diligence Vendor-07/30/2025 <br> Counter-Received 2 LOEs-documentation is insufficient-original finding remains-Missing letter of explanation to why subject is not current to lease. - Due Diligence Vendor-07/29/2025 <br> Open-Missing letter of explanation to why subject is not current to lease. - Due Diligence Vendor-07/14/2025 |  | Waived-The request for an exception to xxxxxx eligibility criteria is granted for missing LOE. Non-material as it appears the borrower is using the cash out funds to renovate the subject. - Due Diligence Vendor-07/30/2025 | Qualifying FICO score is at least 20 points above minimum for program - Score is 685 and minimum allowed is 660.<br>LTV is less than guideline maximum - LTV is 60% and max LTV is 70% | Compensating Factor 1 - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines / Compensating Factor 2 - Credit Score 30+ points > minimum required | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 842124 | xxxxxx D B A | Closed | xxxxxx | 2025-07-14 16:57 | 2025-07-29 10:02 | Resolved | 1 - Information C A | Credit | Eligibility | Property/Appraisal General (Credit) | Resolved-Received confirmation subject is actively marketing for tenant. - Due Diligence Vendor-07/29/2025 <br> Open-Per guides if subject is vacant, document property is currently advertised for rent. - Due Diligence Vendor-07/14/2025 |  | Resolved-Received confirmation subject is actively marketing for tenant. - Due Diligence Vendor-07/29/2025 | Qualifying FICO score is at least 20 points above minimum for program - Score is 685 and minimum allowed is 660.<br>LTV is less than guideline maximum - LTV is 60% and max LTV is 70% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 842124 | xxxxxx D B A | Closed | xxxxxx | 2025-07-18 08:45 | 2025-07-23 09:48 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Note Document | Resolved-Received legible copy of the Note - Due Diligence Vendor-07/23/2025 <br> Open-Note and prepayment addendum is cut off. - Due Diligence Vendor-07/18/2025 |  | Resolved-Received legible copy of the Note - Due Diligence Vendor-07/23/2025 | Qualifying FICO score is at least 20 points above minimum for program - Score is 685 and minimum allowed is 660.<br>LTV is less than guideline maximum - LTV is 60% and max LTV is 70% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 842124 | xxxxxx D B A | Closed | xxxxxx | 2025-07-18 08:46 | 2025-07-23 09:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Prepayment Rider-Credit | Resolved-Received all pages of the Prepayment Rider. - Due Diligence Vendor-07/23/2025 <br> Open-Missing the complete first page of the Prepayment Rider. - Due Diligence Vendor-07/18/2025 |  | Resolved-Received all pages of the Prepayment Rider. - Due Diligence Vendor-07/23/2025 | Qualifying FICO score is at least 20 points above minimum for program - Score is 685 and minimum allowed is 660.<br>LTV is less than guideline maximum - LTV is 60% and max LTV is 70% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 842124 | xxxxxx D B A | Closed | xxxxxx | 2025-07-18 08:36 | 2025-07-23 09:45 | Resolved | 1 - Information C A | Credit | Closing | The Deed of Trust is Incomplete | Resolved-Received legible copy of the the mortgage - Due Diligence Vendor-07/23/2025 <br> Open-The Deed of Trust is Incomplete Mortgage and addendum cut off. - Due Diligence Vendor-07/18/2025 |  | Resolved-Received legible copy of the the mortgage - Due Diligence Vendor-07/23/2025 | Qualifying FICO score is at least 20 points above minimum for program - Score is 685 and minimum allowed is 660.<br>LTV is less than guideline maximum - LTV is 60% and max LTV is 70% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 842440 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 842441 | xxxxxx C A | Closed | xxxxxx | 2025-07-28 15:58 | 2025-08-06 17:36 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Received confirmation from insurance agent sufficient coverage. - Due Diligence Vendor-08/06/2025 <br> Ready for Review-Document Uploaded. - Seller-08/04/2025 <br> Open-Insufficient Coverage Amount for Insured Subject Property. - Due Diligence Vendor-07/29/2025 | Ready for Review-Document Uploaded. - Seller-08/04/2025<br>| Resolved-Received confirmation from insurance agent sufficient coverage. - Due Diligence Vendor-08/06/2025 | Months Reserves exceed minimum required - 6.42 mos reserves; 6 mos required<br>Long term residence - Long Term Residence = 2+ years |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 842443 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 842447 | xxxxxx C A | Closed | xxxxxx | 2025-07-22 14:33 | 2025-07-28 17:30 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received clear fraud report. - Due Diligence Vendor-07/28/2025 <br> Ready for Review-Document Uploaded. - Seller-07/24/2025 <br> Open-Fraud Report Shows Uncleared Alerts- appraiser not cleared. - Due Diligence Vendor-07/22/2025 | Ready for Review-Document Uploaded. - Seller-07/24/2025<br>| Resolved-Received clear fraud report. - Due Diligence Vendor-07/28/2025 | Months Reserves exceed minimum required - 6.84 months PITIA reserves; 6 months reserves required.<br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.029; minimum DSCR 1.00. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 842473 | xxxxxx D B A | Closed | xxxxxx | 2025-07-25 09:11 | 2025-07-31 10:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved-Received business bank statements. - Due Diligence Vendor-07/31/2025 <br> Counter-Received duplicate xxxxxx statements. Original finding remains-Missing statements for May and April 2025 for xxxxxx xxxxxx in order to verify accurate income. - Due Diligence Vendor-07/29/2025 <br> Open-Missing statements for May and April 2025 for xxxxxx xxxxxx in order to verify accurate income. - Due Diligence Vendor-07/25/2025 |  | Resolved-Received business bank statements. - Due Diligence Vendor-07/31/2025 | Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680; qualifying FICO is 785.<br>CLTV is less than guidelines maximum - 55.28% CLTV ratio, 80% maximum CLTV allowed. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 842473 | xxxxxx D B A | Closed | xxxxxx | 2025-07-22 14:48 | 2025-07-22 14:55 | 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. Client waiver applied to non-material Findings. - Due Diligence Vendor-07/22/2025 |  | 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. Client waiver applied to non-material Findings. - Due Diligence Vendor-07/22/2025 | Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680; qualifying FICO is 785.<br>CLTV is less than guidelines maximum - 55.28% CLTV ratio, 80% maximum CLTV allowed. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 842473 | xxxxxx D B A | Closed | xxxxxx | 2025-07-22 14:02 | 2025-07-22 14:02 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-07/22/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-07/22/2025 | Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680; qualifying FICO is 785.<br>CLTV is less than guidelines maximum - 55.28% CLTV ratio, 80% maximum CLTV allowed. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 842481 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 842613 | xxxxxx D A | Closed | xxxxxx | 2025-07-25 14:47 | 2025-08-06 17:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved-Received bank statement and printout reflecting rental deposits. - Due Diligence Vendor-08/06/2025 <br> Ready for Review-Document Uploaded. - Seller-08/05/2025 <br> Open-Lender used higher of Lease for DSCR- missing evidence of 2 - months receipt is required. - Due Diligence Vendor-07/25/2025 | Ready for Review-Document Uploaded. - Seller-08/05/2025<br>| Resolved-Received bank statement and printout reflecting rental deposits. - Due Diligence Vendor-08/06/2025 | LTV is less than guideline maximum - LTV 68.76% ; LTV 70%.<br>Months Reserves exceed minimum required - 4.58 months PITIA reserves; 2 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 842637 | xxxxxx D A | Closed | xxxxxx | 2025-08-08 13:59 | 2025-08-12 10:36 | Resolved | 1 - Information D A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-Received DSCR calculation. - Due Diligence Vendor-08/12/2025 |  | Resolved-Received DSCR calculation. - Due Diligence Vendor-08/12/2025 | Qualifying FICO score is at least 20 points above minimum for program - 660 minimum FICO - borrower has 770 FICO<br>Months Reserves exceed minimum required - 6 months reserves required - borrower has 33.01 months reserves |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 842659 | xxxxxx D A | Closed | xxxxxx | 2025-09-06 09:34 | 2025-09-12 07:09 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Rec'd correspondence: Please be advised xxxxxx does not have any affiliates. Finding resolved. - Due Diligence Vendor-09/12/2025 <br> Open-Required Affiliated Business Disclosure Missing Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt - Due Diligence Vendor-09/06/2025 |  | Resolved-Rec'd correspondence: Please be advised xxxxxx does not have any affiliates. Finding resolved. - Due Diligence Vendor-09/12/2025 | CLTV is less than guidelines maximum - CLTV = 50% - Max LTV = 85%<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 761 Min FICO = 680 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 842681 | xxxxxx C B A | Closed | xxxxxx | 2025-08-07 16:21 | 2025-09-15 12:49 | Cured | 2 - Non-Material C B | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Cured-Rec'd PCCD issued xxxxxx, LOE, copy of check payable to borrower in the amount of $149.00 and proof of delivery. - Due Diligence Vendor-09/15/2025 <br> Counter-Rec'd PCCD issued xxxxxx, LOE, copy of check payable to borrower in the amount of $149.00. Missing shipping label, please provide. Finding remains. - Due Diligence Vendor-09/12/2025 <br> Counter-Received LOE, PCCD issues xxxxxx, Copy of check to Borrower in amount of $149.00, Missing shipping label, please provide. Finding remains. - Due Diligence Vendor-09/02/2025 <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% ($575.00) exceed the comparable charges ($477.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). ----- Ten (10%) tolerance fees (Recording Fee) increased by $50.30 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 $50.30, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. xxxxxx - Due Diligence Vendor-08/07/2025 |  | Cured-Rec'd PCCD issued xxxxxx, LOE, copy of check payable to borrower in the amount of $149.00 and proof of delivery. - Due Diligence Vendor-09/15/2025 | LTV is less than guideline maximum - LTV is 80% and max allowed is 85%<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 762 and minimum allowed is 680. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 842681 | xxxxxx C B A | Closed | xxxxxx | 2025-08-14 12:25 | 2025-08-19 09:37 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-08/19/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. MIssing copy of the Legal Description. - Due Diligence Vendor-08/14/2025 |  | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-08/19/2025 | LTV is less than guideline maximum - LTV is 80% and max allowed is 85%<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 762 and minimum allowed is 680. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 842681 | xxxxxx C B A | Closed | xxxxxx | 2025-08-08 10:19 | 2025-08-15 10:28 | Resolved | 1 - Information B A | Compliance | State Reg | xxxxxx Subprime Loan Test | Resolved-Compliant xxxxxx Subprime- APR on subject loan of 7.83% is within allowable threshold of APOR of 6.79% + 1.75% or 8.54%. - Due Diligence Vendor-10/14/2025 <br> Open-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR -----Compliant xxxxxx Subprime- APR on subject loan of 7.83% is within allowable threshold of APOR of 6.79% + 1.75% or 8.54%. - Due Diligence Vendor-08/08/2025 |  | Resolved-Compliant xxxxxx Subprime- APR on subject loan of 7.83% is within allowable threshold of APOR of 6.79% + 1.75% or 8.54%. - Due Diligence Vendor-10/14/2025 | LTV is less than guideline maximum - LTV is 80% and max allowed is 85%<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 762 and minimum allowed is 680. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 842681 | xxxxxx C B A | Closed | xxxxxx | 2025-08-14 13:59 | 2025-08-15 10:27 | Waived | 2 - Non-Material C B | Credit | Eligibility | Condo does not meet requirements | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-08/15/2025 <br> Open-Condo does not meet requirements. New projects (HOA should be in control) Project is in control by the developer with a turnover date of xxxxxx.<br> Originator exception granted to allow developer in control. - Due Diligence Vendor-08/15/2025 |  | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-08/15/2025 | LTV is less than guideline maximum - LTV is 80% and max allowed is 85%<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 762 and minimum allowed is 680. | -Credit Score 30+ points > minimum required<br> - Residual income more than 1.5x the amount required by guidelines<br> - Credit Score 30+ points > minimum required<br> - Residual income more than 1.5x the amount required by guidelines | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 842681 | xxxxxx C B A | Closed | xxxxxx | 2025-08-14 13:56 | 2025-08-15 10:26 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income/Employment General | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-08/15/2025 <br> Open-Borrowers business has been opened and in existence for a minimum of 2 years per guideline requirements. <br> Originator exception granted to allow less than 2 years for business opened. - Due Diligence Vendor-08/15/2025 |  | Waived-Client exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-08/15/2025 | LTV is less than guideline maximum - LTV is 80% and max allowed is 85%<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 762 and minimum allowed is 680. | -Credit Score 30+ points > minimum required<br> - Residual income more than 1.5x the amount required by guidelines<br> - Credit Score 30+ points > minimum required<br> - Residual income more than 1.5x the amount required by guidelines | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 842724 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 842790 | xxxxxx C A | Closed | xxxxxx | 2025-07-29 13:26 | 2025-07-30 12:29 | Resolved | 1 - Information C A | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Resolved-Final signed HUD indicates cash out is less than $1MM. - Due Diligence Vendor-10/14/2025 <br> Open-Cash Out Does Not Meet Guideline Requirements Cash out exceeds $1M not allowed. - Due Diligence Vendor-07/29/2025 |  | Resolved-Final signed HUD indicates cash out is less than $1MM. - Due Diligence Vendor-10/14/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO = 778 Min FICO = 700<br>Months Reserves exceed minimum required - Reserves = 105.86 months – Required Reserves = 2 Months<br>|  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 842819 | xxxxxx D A | Closed | xxxxxx | 2025-09-25 09:10 | 2025-10-06 09:16 | Resolved | 1 - Information D A | Compliance | Missing Doc | Right of Rescission is Missing | Resolved-Received the Right of Rescission. - Due Diligence Vendor-10/06/2025 <br> Open-Right of Rescission is Missing ----- Provide executed copy of ROR form.<br> - Due Diligence Vendor-09/25/2025 |  | Resolved-Received the Right of Rescission. - Due Diligence Vendor-10/06/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO required is 680 and borrower has a 778<br>Months Reserves exceed minimum required - 3 months PITIA post close cash reserves required and the borrower has 29.12 months. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 842836 | xxxxxx D B A | Closed | xxxxxx | 2025-08-07 08:03 | 2025-08-15 09:17 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-Received HOA questionnaire. - Due Diligence Vendor-08/15/2025 <br> Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. Missing HOA Questionnaire. - Due Diligence Vendor-08/07/2025 |  | Resolved-Received HOA questionnaire. - Due Diligence Vendor-08/15/2025<br>| DSCR % greater than 1.20 - DSCR is 1.397%<br>Months Reserves exceed minimum required - 91.05 months PITIA reserves; 0 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 681; minimum 660. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 842836 | xxxxxx D B A | Closed | xxxxxx | 2025-08-07 08:57 | 2025-08-07 10:13 | Waived | 2 - Non-Material C B | Credit | Eligibility | Borrower Rental Experience Insufficient per Guidelines (DSCR) | Waived-Client exception granted to allow Borrower does not meet Experienced or First-time investor requirements. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-08/07/2025 <br> Open-Borrower Rental Experience Insufficient per Guidelines (DSCR Loan Type) Exception- Borrower does not meet Experienced or First-time investor requirements. Last property borrower owned as a primary residence in xxxxxx. She is currently renting an apartment unit in xxxxxx for the past 3 yrs. - Due Diligence Vendor-08/07/2025 |  | Waived-Client exception granted to allow Borrower does not meet Experienced or First-time investor requirements. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-08/07/2025 | DSCR % greater than 1.20 - DSCR is 1.397%<br>Months Reserves exceed minimum required - 91.05 months PITIA reserves; 0 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 681; minimum 660. | credit score 30+ points<br> DSCR >1.15<br> Reserves exceed requirement by 10 months or more | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 842844 | xxxxxx C B A | Closed | xxxxxx | 2025-07-29 15:55 | 2025-08-15 09:20 | Resolved | 1 - Information C A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Received repair inspection 1004d. - Due Diligence Vendor-08/15/2025 <br> Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not Present - Due Diligence Vendor-07/29/2025 |  | Resolved-Received repair inspection 1004d. - Due Diligence Vendor-08/15/2025 | DSCR =/> 1.00 and minimum is 0.85 or Less - 1.188<br>LTV is less than guideline maximum - 75% LTV vs. max LTV of 80%<br>Qualifying FICO score is at least 20 points above minimum for program - 772 vs. 680 min FICO |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 842844 | xxxxxx C B A | Closed | xxxxxx | 2025-07-29 17:51 | 2025-07-31 16:43 | Waived | 2 - Non-Material C B | Credit | Eligibility | Prepayment Penalty is not allowed | Waived-Client waiver applied to non-material finding with compensating factors. - Due Diligence Vendor-07/31/2025 <br> Open-Prepayment Penalty is not allowed. Per xxxxxx Department of Banking & Insurance xxxxxx 46:10B-2 a prepayment penalty may only be applied to corporations, C-Corp and S-Corp specifically. Under xxxxxx Law a prepayment penalty is not permitted to be charged to an LLC<br> - Due Diligence Vendor-07/29/2025 |  | Waived-Client waiver applied to non-material finding with compensating factors. - Due Diligence Vendor-07/31/2025 | DSCR =/> 1.00 and minimum is 0.85 or Less - 1.188<br>LTV is less than guideline maximum - 75% LTV vs. max LTV of 80%<br>Qualifying FICO score is at least 20 points above minimum for program - 772 vs. 680 min FICO |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 842844 | xxxxxx C B A | Closed | xxxxxx | 2025-07-28 12:35 | 2025-07-28 12:37 | Waived | 2 - Non-Material B | Credit | Closing | Prepayment Penalty Issue | Waived-Note includes Prepayment Penalty and loan is vested in LLC in state of xxxxxx. Client waiver applied to non-material findings. - Due Diligence Vendor-07/28/2025 |  | Waived-Note includes Prepayment Penalty and loan is vested in LLC in state of xxxxxx. Client waiver applied to non-material findings. - Due Diligence Vendor-07/28/2025 | DSCR =/> 1.00 and minimum is 0.85 or Less - 1.188<br>LTV is less than guideline maximum - 75% LTV vs. max LTV of 80%<br>Qualifying FICO score is at least 20 points above minimum for program - 772 vs. 680 min FICO |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 842923 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 842976 | xxxxxx D A | Closed | xxxxxx | 2025-08-21 14:13 | 2025-09-03 08:07 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Received letter stating xxxxxx does not have any affiliates. Finding Resolved. - Due Diligence Vendor-09/03/2025 <br> Open-Required Affiliated Business Disclosure Missing Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt.<br> - Due Diligence Vendor-08/21/2025 |  | Resolved-Received letter stating xxxxxx does not have any affiliates. Finding Resolved. - Due Diligence Vendor-09/03/2025 | Qualifying DTI below maximum allowed - <br> DTI = 28.28% - Max DTI = 50.00%<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 721 Min FICO = 680 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843012 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 843040 | xxxxxx D B A | Closed | xxxxxx | 2025-08-18 11:52 | 2025-09-09 18:22 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-After further review, this is a standard doc loan and year end paystubs provided. - Due Diligence Vendor-09/09/2025 <br> Counter-Received year end pay statements-missing 2 months most recent personal bank statements reflecting deposits from employer - guideline 3.14.8 - Due Diligence Vendor-09/04/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing Two (2) most recent months of personal bank statements reflecting deposit(s) from employer on each of the statements to support WVOE. - Due Diligence Vendor-08/18/2025 |  | Resolved-After further review, this is a standard doc loan and year end paystubs provided. - Due Diligence Vendor-09/09/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FIC Score 700- Borrower's FICO 754<br>On time mortgage history exceeds guideline requirement - 0x30x31 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 843040 | xxxxxx D B A | Closed | xxxxxx | 2025-08-18 11:52 | 2025-09-09 18:22 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: The Lender did not document all ATR Factors | Resolved-After further review, this is a standard doc loan and year end paystubs provided. - Due Diligence Vendor-09/09/2025 <br> Counter-Received year end pay statements-missing 2 months most recent personal bank statements reflecting deposits from employer - guideline 3.14.8 - Due Diligence Vendor-09/04/2025 <br> Open-ATR: The Lender did not document all ATR Factors Missing Two (2) most recent months of personal bank statements reflecting deposit(s) from employer on each of the statements to support WVOE. - Due Diligence Vendor-08/18/2025 |  | Resolved-After further review, this is a standard doc loan and year end paystubs provided. - Due Diligence Vendor-09/09/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FIC Score 700- Borrower's FICO 754<br>On time mortgage history exceeds guideline requirement - 0x30x31 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 843040 | xxxxxx D B A | Closed | xxxxxx | 2025-08-18 11:48 | 2025-09-09 18:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Personal Bank Statements Missing | Resolved-After further review, this is a standard doc loan and year end paystubs provided. - Due Diligence Vendor-09/09/2025 <br> Counter-Received year end pay statements-missing 2 months most recent personal bank statements reflecting deposits from employer - guideline 3.14.8 - Due Diligence Vendor-09/04/2025 <br> Open-Borrower 1 Personal Bank Statements Missing Missing Two (2) most recent months of personal bank statements reflecting deposit(s) from employer on each of the statements to support WVOE. - Due Diligence Vendor-08/18/2025 |  | Resolved-After further review, this is a standard doc loan and year end paystubs provided. - Due Diligence Vendor-09/09/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FIC Score 700- Borrower's FICO 754<br>On time mortgage history exceeds guideline requirement - 0x30x31 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 843040 | xxxxxx D B A | Closed | xxxxxx | 2025-08-17 18:38 | 2025-09-04 10:18 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Received processors cert confirming payroll services. - Due Diligence Vendor-09/04/2025 <br> Counter-Received website for xxxxxx-please have employer clarify or provide processors cert confirming one in the same. - Due Diligence Vendor-08/25/2025 <br> Open-VVOE shows xxxxxx does not match employer xxxxxx. - Due Diligence Vendor-08/17/2025 |  | Resolved-Received processors cert confirming payroll services. - Due Diligence Vendor-09/04/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FIC Score 700- Borrower's FICO 754<br>On time mortgage history exceeds guideline requirement - 0x30x31 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 843040 | xxxxxx D B A | Closed | xxxxxx | 2025-08-13 15:13 | 2025-08-13 15:14 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material findings. - Due Diligence Vendor-08/13/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material findings. - Due Diligence Vendor-08/13/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FIC Score 700- Borrower's FICO 754<br>On time mortgage history exceeds guideline requirement - 0x30x31 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 843048 | xxxxxx D A C | Closed | xxxxxx | 2025-08-22 21:48 | 2025-09-09 11:08 | Resolved | 1 - Information D A | Credit | Missing Doc | PUD Rider is Missing | Resolved-Received PUD Rider. - Due Diligence Vendor-09/09/2025 <br> Open-PUD Rider is Missing Property is located in a PUD, missing the required PUD rider. - Due Diligence Vendor-08/23/2025 |  | Resolved-Received PUD Rider. - Due Diligence Vendor-09/09/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 795; guidelines require 680<br>LTV is less than guideline maximum - Qualifying 85% LTV; guidelines max allowable is 90% LTV |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843048 | xxxxxx D A C | Closed | xxxxxx | 2025-08-19 10:51 | 2025-09-09 11:08 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-09/09/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. missing legal description to the mortgage. - Due Diligence Vendor-08/19/2025 |  | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-09/09/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 795; guidelines require 680<br>LTV is less than guideline maximum - Qualifying 85% LTV; guidelines max allowable is 90% LTV |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843048 | xxxxxx D A C | Closed | xxxxxx | 2025-08-19 11:25 | 2025-09-02 09:37 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received LE issued xxxxxx and corresponding COC. Finding Resolved. - Due Diligence Vendor-09/02/2025 <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 $1,442.75.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 $1,442.75 (Transfer 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 $1,442.75, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 1 year. Expiration Date is xxxxxx. - Due Diligence Vendor-08/19/2025 |  | Resolved-Received LE issued xxxxxx and corresponding COC. Finding Resolved. - Due Diligence Vendor-09/02/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 795; guidelines require 680<br>LTV is less than guideline maximum - Qualifying 85% LTV; guidelines max allowable is 90% LTV |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843048 | xxxxxx D A C | Closed | xxxxxx | 2025-08-25 10:06 | 2025-08-29 11:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-08/29/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Missing the required GAp credit report for borrower 1. - Due Diligence Vendor-08/25/2025 |  | Resolved-Received Gap Report. - Due Diligence Vendor-08/29/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 795; guidelines require 680<br>LTV is less than guideline maximum - Qualifying 85% LTV; guidelines max allowable is 90% LTV |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843048 | xxxxxx D A C | Closed | xxxxxx | 2025-08-22 23:52 | 2025-08-27 11:45 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received loan approval. - Due Diligence Vendor-08/27/2025 <br> Open-Missing Approval/Underwriting Summary Missing evidence of 1008 or Loan Approval - Due Diligence Vendor-08/23/2025 |  | Resolved-Received loan approval. - Due Diligence Vendor-08/27/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 795; guidelines require 680<br>LTV is less than guideline maximum - Qualifying 85% LTV; guidelines max allowable is 90% LTV |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843048 | xxxxxx D A C | Closed | xxxxxx | 2025-08-25 10:25 | 2025-08-27 11:45 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Updated income calc to include 7/2025 and exclude 7/2024. - Due Diligence Vendor-08/27/2025 <br> Ready for Review-Document Uploaded. 8/27/25 - xxxxxx. As per your request. 7/31/25 bk stmt for acct xxxxxx - Seller-08/27/2025 <br> Open-Audited DTI of 54.19% exceeds Guideline DTI of 50% The calculated DTI is 54.19% which exceeds the maximum allowed of 50%. Verifiedf income equals $18,21430, lender used income of $20,969.00 - Due Diligence Vendor-08/25/2025 | Ready for Review-Document Uploaded. 8/27/25 - xxxxxx xxxxxx. As per your request. 7/31/25 bk stmt for acct xxxxxx - Seller-08/27/2025 | Resolved-Updated income calc to include 7/2025 and exclude 7/2024. - Due Diligence Vendor-08/27/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 795; guidelines require 680<br>LTV is less than guideline maximum - Qualifying 85% LTV; guidelines max allowable is 90% LTV |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843118 | xxxxxx C A | Closed | xxxxxx | 2025-08-13 19:40 | 2025-08-25 10:45 | Resolved | 1 - Information C A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-Received final inspection 1004d. - Due Diligence Vendor-08/25/2025 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-08/25/2025 <br> Counter-Received 1004d reflecting photos of Unit xxxxxx. Appraiser to provide commentary confirming no health and safety issues in xxxxxx Unit xxxxxx - Due Diligence Vendor-08/19/2025 <br> Open-Appraisal is missing Unit xxxxxx - loan is xxxxxx units only unit xxxxxx provided pics. - Due Diligence Vendor-08/13/2025 |  | Resolved-Received final inspection 1004d. - Due Diligence Vendor-08/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 772; minimum score 660.<br>LTV is less than guideline maximum - LTV 25.42% max 70%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 843414 | xxxxxx C B A | Closed | xxxxxx | 2025-09-03 10:42 | 2025-09-16 10:40 | Waived | 2 - Non-Material C B | Credit | Eligibility | Condo does not meet requirements | Waived-Exception form received for Insufficient Property coverage For total # of units in project on Master Policy for xxxxxx however Investor has an approved variance letter - Due Diligence Vendor-09/11/2025 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-09/11/2025 <br> Open-Insufficient Property coverage For total# of units in project on Master Policy for xxxxxx however Investor has an approved variance letter. Reserve account is $23,702,746.00 - Due Diligence Vendor-09/03/2025 |  | Waived-Exception form received for Insufficient Property coverage For total # of units in project on Master Policy for xxxxxx however Investor has an approved variance letter - Due Diligence Vendor-09/11/2025 | Months Reserves exceed minimum required - 40 months PITIA reserves; 6 months reserves required.<br>LTV is less than guideline maximum - LTV 63%; max 85%. | Credit Score 100 points > minimum required: 768(680); LTV/CLTV 10% or more below program max 64% (85%); Current primary home ownership 8<br> years > 2 year | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 843414 | xxxxxx C B A | Closed | xxxxxx | 2025-09-03 10:33 | 2025-09-15 10:18 | Resolved | 1 - Information C A | Credit | Assets | Asset 8 Expired | Resolved-Received revised 1003 removing asset #8. - Due Diligence Vendor-09/15/2025 <br> Open-Asset 8 Expired Not dated within 90-days of the loan note date. <br> - Due Diligence Vendor-09/03/2025 |  | Resolved-Received revised 1003 removing asset #8. - Due Diligence Vendor-09/15/2025<br>| Months Reserves exceed minimum required - 40 months PITIA reserves; 6 months reserves required.<br>LTV is less than guideline maximum - LTV 63%; max 85%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 843414 | xxxxxx C B A | Closed | xxxxxx | 2025-09-03 10:43 | 2025-09-11 13:15 | Resolved | 1 - Information C A | Credit | Eligibility | Condo project has pending litigation | Resolved-Litigation documents received. Attorney letter supports the HOA insurance company has accepted the case and that the litigation and the insurance is sufficient for any claimed loss in the litigation. The ltitgation should not affect a homeowners ability to transfer title. The litigation does not involve any structural or safety issues. - Due Diligence Vendor-09/11/2025 <br>Ready for Review-Document Uploaded. - Due Diligence Vendor-09/11/2025 <br>Open-Pending litigation is not structural in nature. - Due Diligence Vendor-09/03/2025 |  | Resolved-Litigation documents received. Attorney letter supports the HOA insurance company has accepted the case and that the litigation and the insurance is sufficient for any claimed loss in the litigation. The ltitgation should not affect a homeowners ability to transfer title. The litigation does not involve any structural or safety issues. - Due Diligence Vendor-09/11/2025<br>| Months Reserves exceed minimum required - 40 months PITIA reserves; 6 months reserves required.<br>LTV is less than guideline maximum - LTV 63%; max 85%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 843414 | xxxxxx C B A | Closed | xxxxxx | 2025-09-03 10:19 | 2025-09-11 11:38 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received UDM - Due Diligence Vendor-09/11/2025 <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). GAP Credit is > 10 days from the closing for B1 and B2. - Due Diligence Vendor-09/03/2025 |  | Resolved-Received UDM - Due Diligence Vendor-09/11/2025<br>| Months Reserves exceed minimum required - 40 months PITIA reserves; 6 months reserves required.<br>LTV is less than guideline maximum - LTV 63%; max 85%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 843421 | xxxxxx D B C A | Closed | xxxxxx | 2025-09-29 19:36 | 2025-10-09 15:19 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received LE xxxxxx. - Due Diligence Vendor-10/01/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing LE. - Due Diligence Vendor-09/29/2025 |  | Resolved-Received LE xxxxxx. - Due Diligence Vendor-10/01/2025 | Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 723. Per guide, a minimum score required 680.<br>Qualifying DTI below maximum allowed - Borr DTI 31.29%. Per guides, maximum DTI 50%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 843421 | xxxxxx D B C A | Closed | xxxxxx | 2025-09-29 19:03 | 2025-10-06 17:01 | Waived | 2 - Non-Material B | Credit | Eligibility | Condo Structural Reports not in file | Waived--Client exception granted with comp factors. Waiver applied to non-material finding as project contains 100% replacement cost coverage and the subject unit is a xxxxxx unit with no units above or below it. - Due Diligence Vendor-10/06/2025 <br> Open-The file does not contain the required structural engineer report per state law. Missing proof of Structural Inspection, required in xxxxxx. SB-326. - Due Diligence Vendor-10/03/2025 |  | Waived--Client exception granted with comp factors. Waiver applied to non-material finding as project contains 100% replacement cost coverage and the subject unit is a xxxxxx unit with no units above or below it. - Due Diligence Vendor-10/06/2025 | Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 723. Per guide, a minimum score required 680.<br>Qualifying DTI below maximum allowed - Borr DTI 31.29%. Per guides, maximum DTI 50%. | Credit Score 30+ points > minimum required<br> DTI <= 40% which is below requirement in guidelines<br> Credit Score 30+ points > minimum required | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 843421 | xxxxxx D B C A | Closed | xxxxxx | 2025-09-29 08:26 | 2025-10-01 14:06 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Received LE xxxxxx. - Due Diligence Vendor-10/01/2025 <br> Open------Missing Initial LE and any associated COCs. Additional findings may apply upon receipt.<br> - Due Diligence Vendor-09/29/2025 |  | Resolved-Received LE xxxxxx. - Due Diligence Vendor-10/01/2025 | Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 723. Per guide, a minimum score required 680.<br>Qualifying DTI below maximum allowed - Borr DTI 31.29%. Per guides, maximum DTI 50%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 843421 | xxxxxx D B C A | Closed | xxxxxx | 2025-09-29 08:27 | 2025-10-01 08:43 | Resolved | 1 - Information C A | Compliance | TRID | Missing Intent to Proceed | Resolved-Rec'd Intent to proceed. Finding resolved. - Due Diligence Vendor-10/01/2025 <br>Open------There are fees on the final CD that are POC and borrower's signed intent to proceed is missing from file. <br> - Due Diligence Vendor-09/29/2025 |  | Resolved-Rec'd Intent to proceed. Finding resolved. - Due Diligence Vendor-10/01/2025 | Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 723. Per guide, a minimum score required 680.<br>Qualifying DTI below maximum allowed - Borr DTI 31.29%. Per guides, maximum DTI 50%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 843431 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 843474 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 843476 | xxxxxx D A | Closed | xxxxxx | 2025-08-01 16:12 | 2025-08-08 17:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Secondary Valuation product is dated prior to the Appraisal date | Resolved-Received xxxxxx appraisal and transfer documentation. Secondary valuation is acceptable. - Due Diligence Vendor-08/08/2025 <br> Ready for Review-Document Uploaded. Transfer letter was included in last upload. Please advise. - Seller-08/06/2025 <br> Counter-Received appraisal dated xxxxxx-completed for another lender. Missing either transfer documentation or desk review completed on appraisal dated xxxxxx. - Due Diligence Vendor-08/06/2025 <br> Ready for Review-Document Uploaded. - Seller-08/04/2025 <br> Open-One or more of the additional valuation products were completed prior to the Primary Valuation product date. APPRAISAL DATE WAS xxxxxx, Missing Secondary valuation matching appraisal in file.<br> (DESK REVEIW WAS COMPLETED xxxxxx to appraisal dated xxxxxx - Due Diligence Vendor-08/01/2025 | Ready for Review-Document Uploaded. Transfer letter was included in last upload. Please advise. - Seller-08/06/2025 <br>Ready for Review-Document Uploaded. - Seller-08/04/2025<br>| Resolved-Received xxxxxx appraisal and transfer documentation. Secondary valuation is acceptable. - Due Diligence Vendor-08/08/2025 | Months Reserves exceed minimum required - Reserves = 33.27 months – Required Reserves = 6 Months<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 764 Min FICO = 640 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 843478 | xxxxxx B A | Closed | xxxxxx | 2025-09-02 10:00 | 2025-09-05 10:43 | Resolved | 1 - Information B A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received UDM. - Due Diligence Vendor-09/05/2025 <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). 14 days old - Due Diligence Vendor-09/02/2025 |  | Resolved-Received UDM. - Due Diligence Vendor-09/05/2025<br>| Qualifying DTI below maximum allowed - DTI = 30% - Max DTI = 50.00%<br>Months Reserves exceed minimum required - Reserves = 83.92 months – Required Reserves = 6 Months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 843478 | xxxxxx B A | Closed | xxxxxx | 2025-09-02 10:00 | 2025-09-05 10:43 | Resolved | 1 - Information B A | Credit | Closing | Borrower 2 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received UDM. - Due Diligence Vendor-09/05/2025 <br>Open-Borrower 2 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). 14 days old - Due Diligence Vendor-09/02/2025 |  | Resolved-Received UDM. - Due Diligence Vendor-09/05/2025<br>| Qualifying DTI below maximum allowed - DTI = 30% - Max DTI = 50.00%<br>Months Reserves exceed minimum required - Reserves = 83.92 months – Required Reserves = 6 Months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 843523 | xxxxxx C A | Closed | xxxxxx | 2025-09-15 07:45 | 2025-09-22 11:02 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received payment history - Due Diligence Vendor-09/22/2025 <br>Open-Housing History Does Not Meet Guideline Requirements- VOM provided for 2nd lien primary residence ; its a private owner. need proof of 6 months payments is required per guidelines. - Due Diligence Vendor-09/15/2025 |  | Resolved-Received payment history - Due Diligence Vendor-09/22/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 787; minimum score 680.<br>Months Reserves exceed minimum required - 3 months PITIA reserves; 0 months reserves required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 843575 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 843576 | xxxxxx D B A | Closed | xxxxxx | 2025-08-04 15:42 | 2025-08-07 09:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received fraud report. - Due Diligence Vendor-08/07/2025 <br> Open-Missing Third Party Fraud Report for B1 and B2 - Due Diligence Vendor-08/04/2025 |  | Resolved-Received fraud report. - Due Diligence Vendor-08/07/2025<br>| Months Reserves exceed minimum required - 258 months available vs. 2 required<br>Qualifying FICO score is at least 20 points above minimum for program - 755 vs. min FICO of 700 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 843576 | xxxxxx D B A | Closed | xxxxxx | 2025-08-04 16:45 | 2025-08-04 16:49 | Waived | 2 - Non-Material C B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-Client exception granted to allow use the current appraised value as opposed to initial purchase price., Non-material waiver applied with comp factors. - Due Diligence Vendor-08/04/2025 <br> Open-Cash Out Does Not Meet Guideline Requirements Lender exception cash out to use the current appraised value as opposed to initial purchase price. property obtained ten months ago. - Due Diligence Vendor-08/04/2025 |  | Waived-Client exception granted to allow use the current appraised value as opposed to initial purchase price., Non-material waiver applied with comp factors. non-material due to property obtained ten months ago borrower has excessive reserves.. - Due Diligence Vendor-08/04/2025<br>| Months Reserves exceed minimum required - 258 months available vs. 2 required<br>Qualifying FICO score is at least 20 points above minimum for program - 755 vs. min FICO of 700 | Credit Score 30+ points > minimum required<br> Reserves exceed requirement by 10 months or more<br> 0x30 for 24 months on all mortgages | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 843578 | xxxxxx C A | Closed | xxxxxx | 2025-07-29 14:04 | 2025-08-08 10:03 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Mortgage w/Legal. - Due Diligence Vendor-08/08/2025 <br>Ready for Review-Document Uploaded. DOT with legal on the last page - Buyer-08/08/2025 <br>Counter-Received Trustees Deed-please provide complete security instrument with legal description attached. - Due Diligence Vendor-08/06/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing copy of the Legal Description. - Due Diligence Vendor-07/29/2025 |  | Resolved-Received Mortgage w/Legal. - Due Diligence Vendor-08/08/2025<br>| Long term residence - Long term residence for 5.50 years.<br> Qualifying FICO score is at least 20 points above minimum for program - Score is 762 and minimum allowed is 660 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 843578 | xxxxxx C A | Closed | xxxxxx | 2025-08-08 09:48 | 2025-08-08 09:54 | Resolved | 1 - Information C A | Credit | Eligibility | Calculated DSCR does not meet the Minimum DSCR allowed | Resolved-Upon further review DSCR meet guideline. - Due Diligence Vendor-10/14/2025 <br>Open-The Calculated DSCR of '0.835' is less than the minimum DSCR per lender guidelines of '1'. The Calculated DSCR of '0.835' is less than the minimum DSCR per lender guidelines of '1'. DSCR is less than 1.00% due to the Gross rents reduced by 20%. Required per guidelines. - Due Diligence Vendor-08/08/2025 |  | Resolved-Upon further review DSCR meet guideline. - Due Diligence Vendor-10/14/2025<br>| Long term residence - Long term residence for 5.50 years.<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 762 and minimum allowed is 660 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 843578 | xxxxxx C A | Closed | xxxxxx | 2025-08-01 16:44 | 2025-08-08 09:48 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received copy of approval. - Due Diligence Vendor-08/06/2025 <br>Open-Missing Approval/Underwriting Summary Missing Approval/Underwriting Summary - Due Diligence Vendor-08/01/2025 |  | Resolved-Received copy of approval. - Due Diligence Vendor-08/06/2025<br>| Long term residence - Long term residence for 5.50 years.<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 762 and minimum allowed is 660 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 843578 | xxxxxx C A | Closed | xxxxxx | 2025-08-01 16:44 | 2025-08-08 09:48 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-After further review, the subject LTV of 75% meets guidelines requirements. - Due Diligence Vendor-08/04/2025 <br>Open-Audited LTV of 75% exceeds Guideline LTV of 70%. Rural: Max LTV/CLTV 75% Purchase. - Due Diligence Vendor-08/01/2025 |  | Resolved-After further review, the subject LTV of 75% meets guidelines requirements. - Due Diligence Vendor-08/04/2025<br>| Long term residence - Long term residence for 5.50 years.<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 762 and minimum allowed is 660 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 843584 | xxxxxx B A | Closed | xxxxxx | 2025-08-05 14:34 | 2025-08-05 14:37 | Waived | 2 - Non-Material B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-Cash Out Does Not Meet Guideline Requirements Originator Waiver in for Non-Material Finding for using Current Value with Less than 6 Month Ownership - Due Diligence Vendor-08/06/2025 |  | Waived-Cash Out Does Not Meet Guideline Requirements Originator Waiver in for Non-Material Finding for using Current Value with Less than 6 Month Ownership - Due Diligence Vendor-08/06/2025<br>| DSCR % greater than 1.20 - DSCR is 1.371.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 781; guidelines require 700. | FICO 20 points or more above requirement<br> DTI > 10% or more under requirement or DSCR > 1.15 | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 843621 | xxxxxx D A | Closed | xxxxxx | 2025-09-24 13:37 | 2025-10-01 11:14 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Received attestion from lender of no affiliates. - Due Diligence Vendor-10/01/2025 <br> Open-Required Affiliated Business Disclosure Missing ----- Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt. <br>(xxxxxx) - Due Diligence Vendor-09/24/2025 |  | Resolved-Received attestion from lender of no affiliates. - Due Diligence Vendor-10/01/2025<br>| Months Reserves exceed minimum required - Reserves: 22; None required<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income: $8,288.25<br>Qualifying FICO score is at least 20 points above minimum for program - FICO: 750 Min 700 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 843621 | xxxxxx D A | Closed | xxxxxx | 2025-09-24 16:50 | 2025-09-26 12:38 | Resolved | 1 - Information B A | Compliance | State Reg | xxxxxx Subprime Loan Test | Resolved-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR Compliant xxxxxx Subprime- APR on subject loan of 10.176% is within allowable threshold of APOR of 6.79% + 3.75% or 10.54%. - Due Diligence Vendor-09/30/2025 <br> Open-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR Compliant xxxxxx Subprime- APR on subject loan of 10.176% is within allowable threshold of APOR of 6.79% + 3.75% or 10.54%. - Due Diligence Vendor-09/24/2025 |  | Resolved-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR Compliant xxxxxx Subprime- APR on subject loan of 10.176% is within allowable threshold of APOR of 6.79% + 3.75% or 10.54%. - Due Diligence Vendor-09/30/2025 | Months Reserves exceed minimum required - Reserves: 22; None required<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income: $8,288.25<br>Qualifying FICO score is at least 20 points above minimum for program - FICO: 750 Min 700 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 843626 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 843649 | xxxxxx B A | Closed | xxxxxx | 2025-08-01 11:54 | 2025-08-07 16:42 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received 1008 - Due Diligence Vendor-08/07/2025 <br>Ready for Review-Document Uploaded. - Seller-08/05/2025 <br>Open-Missing Approval/Underwriting Summary - Due Diligence Vendor-08/01/2025 | Ready for Review-Document Uploaded. - Seller-08/05/2025<br>| Resolved-Received 1008 - Due Diligence Vendor-08/07/2025<br>| Months Reserves exceed minimum required - Guidelines require 2 months of reserves. Qualifying reserves are 105 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 813; minimum score 700. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 843660 | xxxxxx C A | Closed | xxxxxx | 2025-08-28 18:19 | 2025-09-04 08:24 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received COC dated xxxxxx showing points for lock extension. Finding Resolved. - Due Diligence Vendor-09/04/2025 <br> Ready for Review-Document Uploaded. lock extended, added points and fess, uploaded COC - Seller-09/03/2025 <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 $500.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Zero (0%) tolerance fees increased by $500 (Points - Loan Discount 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 $500, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 3 years. Expires xxxxxx.<br> - Due Diligence Vendor-08/28/2025 | Ready for Review-Document Uploaded. lock extended, added points and fess, uploaded COC - Seller-09/03/2025<br>| Resolved-Received COC dated xxxxxx showing points for lock extension. Finding Resolved. - Due Diligence Vendor-09/04/2025 | Qualifying DTI below maximum allowed - 35% DTI vs. 50% max DTI<br>Months Reserves exceed minimum required - >76 months available vs. 0 months required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 843732 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 843745 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 843764 | xxxxxx C A | Closed | xxxxxx | 2025-08-28 09:14 | 2025-08-29 14:50 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Assets documentation provided covering sufficient assets to close and for reserves. - Due Diligence Vendor-08/29/2025 <br>Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 6 month(s) Missing the required funds to cover the 6 months reserves. It should be noted that Audit was not able to apply any percentage of the borrower's business assets, as there was no attestation from the other owner of the business that the borrower is entitled to the funds. - Due Diligence Vendor-08/28/2025 |  | Resolved-Assets documentation provided covering sufficient assets to close and for reserves. - Due Diligence Vendor-08/29/2025<br>| On time mortgage history exceeds guideline requirement - 0x30x12 in the past 13 months <br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 682 Min FICO = 660 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 843764 | xxxxxx C A | Closed | xxxxxx | 2025-08-28 09:05 | 2025-08-29 14:48 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Assets documentation provided covering sufficient assets to close and for reserves. - Due Diligence Vendor-08/29/2025 <br>Open-Total Qualified Assets Post-Close amount is '$-124918.51'. Assets are Insufficient. Loan file is missing the borrower's personal asset documentation, including the documentation of any gift funds to be used for closing, as indicated on the loan application. It should be noted that Audit was not able to apply any percentage of the borrower's business assets, as there was no attestation from the other owner of the business that the borrower is entitled to the funds. - Due Diligence Vendor-08/28/2025 |  | Resolved-Assets documentation provided covering sufficient assets to close and for reserves. - Due Diligence Vendor-08/29/2025<br>| On time mortgage history exceeds guideline requirement - 0x30x12 in the past 13 months <br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 682 Min FICO = 660 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 843778 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 843786 | xxxxxx C A | Closed | xxxxxx | 2025-08-27 12:14 | 2025-09-08 12:38 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Received 4506-C, 2 years and signed for both borrowers. - Due Diligence Vendor-09/08/2025 <br> Open-File is missing 4506-C forms for B1 and B2 for 2 Years - 2023 and 2024. The 4506-C forms in file only have 1 year on them - 2024. - Due Diligence Vendor-08/27/2025 |  | Resolved-Received 4506-C, 2 years and signed for both borrowers. - Due Diligence Vendor-09/08/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 715 is higher than the required 680<br>CLTV is less than guidelines maximum - CLTV 63.10% is lower than maximum 85% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 843791 | xxxxxx B A | Closed | xxxxxx | 2025-09-04 17:08 | 2025-09-04 17:16 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-09/04/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings. - Due Diligence Vendor-09/04/2025<br>| CLTV is less than guidelines maximum - • Qualifying CLTV 79.1 Guideline max 90%<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 764 and Guideline minimum 740. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 843793 | xxxxxx D A | Closed | xxxxxx | 2025-08-06 09:25 | 2025-08-19 10:28 | Resolved | 1 - Information D A | Credit | Missing Doc | PUD Rider is Missing | Resolved-PUD Rider documentation located within section 38 of security instrument. - Due Diligence Vendor-08/19/2025 <br>Open-PUD Rider is Missing - Due Diligence Vendor-08/06/2025 |  | Resolved-PUD Rider documentation located within section 38 of security instrument. - Due Diligence Vendor-08/19/2025<br>| Long term residence - 23 Years. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 843793 | xxxxxx D A | Closed | xxxxxx | 2025-08-06 09:25 | 2025-08-19 10:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Rider Missing based on Property Type selected | Resolved-PUD Rider documentation located within section 38 of security instrument. - Due Diligence Vendor-08/19/2025 <br>Open-Rider Missing from DOT screen based on Property Type selected on Property Page. PUD Rider is Missing - Due Diligence Vendor-08/06/2025 |  | Resolved-PUD Rider documentation located within section 38 of security instrument. - Due Diligence Vendor-08/19/2025<br>| Long term residence - 23 Years. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 843834 | xxxxxx C A | Closed | xxxxxx | 2025-08-28 07:13 | 2025-09-05 10:49 | Resolved | 1 - Information C A | Credit | Eligibility | Excessive Seller Contributions | Resolved-Received ratified escrow instructions reflecting seller contribution. - Due Diligence Vendor-09/05/2025 <br>Open-$1,000 in seller contributions were identified on the final CD. The contributions were not specified on the contract or addendums provided. An addendum showing the contribution is required. - Due Diligence Vendor-08/28/2025 |  | Resolved-Received ratified escrow instructions reflecting seller contribution. - Due Diligence Vendor-09/05/2025<br>| Qualifying DTI below maximum allowed - 50% maximum, subject 41%<br>Qualifying FICO score is at least 20 points above minimum for program - 680 required, subject 773 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843866 | xxxxxx B A | Closed | xxxxxx | 2025-08-13 15:20 | 2025-08-13 15:35 | Resolved | 1 - Information B A | Credit | Closing | Prepayment Penalty Issue | Resolved-Pre pay on loan not listed on tape - Due Diligence Vendor-08/20/2025 <br>Open-Pre pay on loan not listed on tape - Due Diligence Vendor-08/13/2025 |  | Resolved-Pre pay on loan not listed on tape - Due Diligence Vendor-08/20/2025<br>| DSCR % greater than 1.20 - DSCR 1.32 <br>Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 726. Per guides, minimum score required 680.<br>Months Reserves exceed minimum required - 108.44mos reserves. Per guides, 2 reserves required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 843883 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 843888 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 843933 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 843944 | xxxxxx C B A | Closed | xxxxxx | 2025-07-30 15:46 | 2025-09-04 12:09 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Rec'd invoice for fee increase. - Due Diligence Vendor-09/04/2025 <br> Counter------This is a 0% tolerance fee, it cannot be paid by lender to avoid the violation. Provide a COC within 3 days of the violation or a PCCD showing fee correctly charged to borrower and a lender credit for fees above legal limit. - Due Diligence Vendor-08/27/2025 <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 $15.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by $15.00 (Credit Report-Lender Paid) 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 $15.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 1 Year: xxxxxx. - Due Diligence Vendor-07/30/2025 |  | Resolved-Rec'd invoice for fee increase. - Due Diligence Vendor-09/04/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 681 and minimum allowed is 660.<br>Months Reserves exceed minimum required - Borrower has 21.01 months of reserves and only need 3 months to qualify. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 843944 | xxxxxx C B A | Closed | xxxxxx | 2025-08-04 11:58 | 2025-08-28 08:55 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client waiver applied to non-material finding with compensating factors. 5% LTV exception. Confirmation of roof repair in the loan file on page 661. - Due Diligence Vendor-08/28/2025 <br> Counter-Received exception for LTV-missing Missing documentation to support evidence xxxxxx. - Due Diligence Vendor-08/26/2025 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-08/26/2025 <br> Open-Audited LTV of 85% exceeds Guideline LTV of 80%. Per xxxxxx from the lender , the xxxxxx is non warrantable. Per xxxxxx- Projects in need of critical repairs, including material deficiencies and significant deferred maintenance are ineligible. SIRS Analysis report state the xxxxxx. Missing documentation to support evidence xxxxxx. Max 80% due to non-warrantable condo. - Due Diligence Vendor-08/04/2025 |  | Waived-Client waiver applied to non-material finding with compensating factors. 5% LTV exception. Confirmation of xxxxxx in the loan file on page 661. - Due Diligence Vendor-08/28/2025 | Qualifying FICO score is at least 20 points above minimum for program - Score is 681 and minimum allowed is 660.<br>Months Reserves exceed minimum required - Borrower has 21.01 months of reserves and only need 3 months to qualify. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 843944 | xxxxxx C B A | Closed | xxxxxx | 2025-07-31 08:17 | 2025-08-27 10:50 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-08/27/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing legal description in mortgage chain. LD is attached to warranty deed. - Due Diligence Vendor-07/31/2025 |  | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-08/27/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 681 and minimum allowed is 660.<br>Months Reserves exceed minimum required - Borrower has 21.01 months of reserves and only need 3 months to qualify. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 843956 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 843970 | xxxxxx C A | Closed | xxxxxx | 2025-08-29 15:03 | 2025-09-05 10:58 | Resolved | 1 - Information C A | Credit | Eligibility | Property/Appraisal General (Credit) | Resolved-Received MLS photos confirming xxxxxx present. - Due Diligence Vendor-09/05/2025 <br> Open-No xxxxxx located in appraisal pictures - Due Diligence Vendor-08/29/2025 |  | Resolved-Received MLS photos confirming xxxxxx present. - Due Diligence Vendor-09/05/2025 | Qualifying FICO score is at least 20 points above minimum for program - 790 FICO, 660 required<br>Qualifying DTI below maximum allowed - 27% DTI, program allows 50% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843970 | xxxxxx C A | Closed | xxxxxx | 2025-08-27 10:56 | 2025-09-05 10:55 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received validation of EMD-sufficient reserves. - Due Diligence Vendor-09/05/2025 <br>Open-Audited Reserves of 3.44 month(s) are less than Guideline Required Reserves of 6 month(s) No proof of EMD clearing was found which makes reserves short. - Due Diligence Vendor-08/27/2025 |  | Resolved-Received validation of EMD-sufficient reserves. - Due Diligence Vendor-09/05/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 790 FICO, 660 required<br>Qualifying DTI below maximum allowed - 27% DTI, program allows 50% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843989 | xxxxxx C A | Closed | xxxxxx | 2025-08-28 15:50 | 2025-09-04 14:51 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Inquiry letter provided. - Due Diligence Vendor-09/04/2025 <br> Ready for Review-Document Uploaded. - Buyer-09/03/2025 <br> Counter-Review did not receipt LOE upload-please re upload. - Due Diligence Vendor-09/03/2025 <br> Open-LOX for credit inquiry on xxxxxx is missing. - Due Diligence Vendor-08/28/2025 |  | Resolved-Inquiry letter provided. - Due Diligence Vendor-09/04/2025<br>| LTV is less than guideline maximum - 43.84% LTV with max LTV of 80%<br>Qualifying FICO score is at least 20 points above minimum for program - 773 FICO with Min FICO of 620 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 844007 | xxxxxx D B C A | Closed | xxxxxx | 2025-08-08 12:43 | 2025-09-11 11:51 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received waiver for fico-cash proceeds considered as reserves. - Due Diligence Vendor-09/11/2025 <br> Counter-Review concurs cash out proceeds would be eligible-guidelines do not allow cash out for fico and DSCR - proceeds not considered. - Due Diligence Vendor-08/26/2025 <br> Counter-Received confirmation transaction is a cash out-guidelines do not allow cash out for fico and DSCR - proceeds not considered. - Due Diligence Vendor-08/14/2025 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 6 month(s) No assets available to satisfy reserve requirements - Due Diligence Vendor-08/08/2025 |  | Resolved-Received waiver for fico-cash proceeds considered as reserves. - Due Diligence Vendor-09/11/2025<br>| LTV is less than guideline maximum - LTV = 33.64% - Max LTV = 65%<br> Long term residence - BORROWER HAS OWNED SUBJECT PROPERTY SINCE xxxxxx |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 844007 | xxxxxx D B C A | Closed | xxxxxx | 2025-08-08 12:43 | 2025-09-11 11:49 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Client provided a waiver for FICO 656<660 minimum required, applied to non material finding with comp factors - Due Diligence Vendor-09/11/2025 <br>Open-Audited FICO of 656 is less than Guideline FICO of 660 Subject loan closed as Cash Out Refinance with FICO of 656 which is not allowed - Due Diligence Vendor-08/08/2025 |  | Waived-Client provided a waiver for FICO 656<660 minimum required, applied to non material finding with comp factors - Due Diligence Vendor-09/11/2025<br>| LTV is less than guideline maximum - LTV = 33.64% - Max LTV = 65%<br> Long term residence - BORROWER HAS OWNED SUBJECT PROPERTY SINCE xxxxxx | LTV/CLTV 10% or more below the maximum allowed under applicable guidelines<br> Subject property home ownership > 5 years | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 844007 | xxxxxx D B C A | Closed | xxxxxx | 2025-08-08 11:50 | 2025-08-26 11:52 | Resolved | 1 - Information A | Credit | Eligibility | DOT Page PUD rider selected however Property Type is not correct | Resolved-Received corrected security instrument removing PUD rider. - Due Diligence Vendor-08/26/2025 <br>Open-DOT Page PUD rider selected however Property Type is not correct. Revisit property type or riders. LOAN FILE INCLUDES PID RIDER HOWEVER, APPRIASER DOES NOT INDICATE THE SUBJECT IS A PUD - Due Diligence Vendor-08/08/2025 |  | Resolved-Received corrected security instrument removing PUD rider. - Due Diligence Vendor-08/26/2025<br>| LTV is less than guideline maximum - LTV = 33.64% - Max LTV = 65%<br> Long term residence - BORROWER HAS OWNED SUBJECT PROPERTY SINCE xxxxxx |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 844007 | xxxxxx D B C A | Closed | xxxxxx | 2025-08-04 16:37 | 2025-08-26 11:51 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-08/26/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing required legal description attached to DOT - Due Diligence Vendor-08/04/2025 |  | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-08/26/2025<br>| LTV is less than guideline maximum - LTV = 33.64% - Max LTV = 65%<br> Long term residence - BORROWER HAS OWNED SUBJECT PROPERTY SINCE xxxxxx |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 844007 | xxxxxx D B C A | Closed | xxxxxx | 2025-08-08 12:43 | 2025-08-14 10:40 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received 1008 - Due Diligence Vendor-08/14/2025 <br>Open-Missing Approval/Underwriting Summary Loan file is absent 1008/Approval - Due Diligence Vendor-08/08/2025 |  | Resolved-Received 1008 - Due Diligence Vendor-08/14/2025<br>| LTV is less than guideline maximum - LTV = 33.64% - Max LTV = 65%<br> Long term residence - BORROWER HAS OWNED SUBJECT PROPERTY SINCE xxxxxx |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 844007 | xxxxxx D B C A | Closed | xxxxxx | 2025-08-08 11:50 | 2025-08-14 10:38 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received secondary valuation. - Due Diligence Vendor-08/14/2025 <br> Open-Additional valuation product has not been provided. LOAN FILE IS ABSENT 2ND APPRAISAL (xxxxxx, xxxxxx ARR OR EQUIVALENT PRODUCT OR FIELD REVIEW VIDENCING A REASONABLE APPRAISAL VALUE). - Due Diligence Vendor-08/08/2025 |  | Resolved-Received secondary valuation. - Due Diligence Vendor-08/14/2025<br>| LTV is less than guideline maximum - LTV = 33.64% - Max LTV = 65%<br> Long term residence - BORROWER HAS OWNED SUBJECT PROPERTY SINCE xxxxxx |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 844024 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 844050 | xxxxxx C B A | Closed | xxxxxx | 2025-08-18 10:59 | 2025-08-27 07:53 | Resolved | 1 - Information C A | Compliance | TRID | TRID Post-Consummation Event Validation Test | Resolved-Received PCCD xxxxxx ,finding resolved. - Due Diligence Vendor-08/27/2025 <br> Open-This loan failed the TRID Post-Consummation Event Validation Test.This loan has a post-consummation event date that occurs on or before the closing date or consummation date of the loan. Please review the loan data to ensure the dates are in the correct fields. ----- Final CD issued xxxxxx was signed by borrower xxxxxx and PCCD has an issue date of xxxxxx which is prior to borrower's signature date on Final CD. Please provide corrected PCCD. - Due Diligence Vendor-08/18/2025 |  | Resolved-Received PCCD xxxxxx ,finding resolved. - Due Diligence Vendor-08/27/2025 | On time mortgage history exceeds guideline requirement - Credit report reflects on time mortgage history for last 63 months<br>Qualifying DTI below maximum allowed - DTI of 40.75% is less than the maximum allowed per guidelines of 50% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 844050 | xxxxxx C B A | Closed | xxxxxx | 2025-08-18 10:38 | 2025-08-18 10:38 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-08/18/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-08/18/2025<br>| On time mortgage history exceeds guideline requirement - Credit report reflects on time mortgage history for last 63 months<br>Qualifying DTI below maximum allowed - DTI of 40.75% is less than the maximum allowed per guidelines of 50% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 844061 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 844065 | xxxxxx C B A | Closed | xxxxxx | 2025-08-22 12:05 | 2025-09-12 11:19 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received VOM. - Due Diligence Vendor-09/12/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Need 12 month mtg history on Commercial property xxxxxx per guides. Loan is in borrowers name but its not showing on credit report. - Due Diligence Vendor-08/22/2025 |  | Resolved-Received VOM. - Due Diligence Vendor-09/12/2025<br>| Months Reserves exceed minimum required - Loan is a cash out refinance - borrower used cash out as reserves. Borrowers have significant reserves after closing. <br>LTV is less than guideline maximum - LTV is 60% - Max is 75% |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 844065 | xxxxxx C B A | Closed | xxxxxx | 2025-08-22 09:20 | 2025-09-12 11:18 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received VOM. 1x30x12 is allowed by the guidelines. - Due Diligence Vendor-09/12/2025 <br> Counter-Received Vom for xxxxxx-Need 12 months mortgage history for xxxxxx which is commercial property that has a mortgage in borrowers name and is not showing on the credit report. - Due Diligence Vendor-09/05/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Need 12 months mortgage history for xxxxxx which is commercial property that has a mortgage in borrowers name and is not showing on the credit report. - Due Diligence Vendor-08/22/2025 |  | Resolved-Received VOM. 1x30x12 is allowed by the guidelines. - Due Diligence Vendor-09/12/2025<br>| Months Reserves exceed minimum required - Loan is a cash out refinance - borrower used cash out as reserves. Borrowers have significant reserves after closing. <br>LTV is less than guideline maximum - LTV is 60% - Max is 75% |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 844065 | xxxxxx C B A | Closed | xxxxxx | 2025-08-21 16:07 | 2025-09-05 14:55 | Waived | 2 - Non-Material C B | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Waived-Client waiver applied to non-material finding with compensating factors. There is no indication of health or safety issue by appraiser nor any xxxxxx. - Due Diligence Vendor-10/14/2025 <br> Ready for Review-The request for an exception to xxxxxx eligibility criteria is granted with comp factors - Due Diligence Vendor-10/14/2025 <br> Open-Property Issues are identified for the property xxxxxx was noted on the appraisal as acceptable by appraiser, however, info was vague and did not address the actual issue for the xxxxxx, - Due Diligence Vendor-08/21/2025 |  | Waived-Client waiver applied to non-material finding with compensating factors. There is no indication of health or safety issue by appraiser nor any xxxxxx. - Due Diligence Vendor-10/14/2025 | Months Reserves exceed minimum required - Loan is a cash out refinance - borrower used cash out as reserves. Borrowers have significant reserves after closing. <br>LTV is less than guideline maximum - LTV is 60% - Max is 75% | LTV/CLTV 10% or more below the maximum allowed under applicable guidelines<br> DTI <= 36% which is below requirement in guidelines<br> Reserves exceed requirement by 10 months or more | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 844065 | xxxxxx C B A | Closed | xxxxxx | 2025-08-22 14:50 | 2025-09-05 11:35 | Waived | 2 - Non-Material C B | Credit | Eligibility | Appraisal has issues (credit) | Waived-Client waiver applied to non-material finding with compensating factors. Exception for Unique property with distanced comps, and over improvement for the area.<br> Picture of missing xxxxxx. - Due Diligence Vendor-09/05/2025 <br> Open- Missing xxxxxx. File contains a xxxxxx. In addition, file contains an exception from the Client for a Unique property with distanced comps, and over improvement for the area. - Due Diligence Vendor-08/22/2025 |  | Waived-Client waiver applied to non-material finding with compensating factors. Exception for Unique property with distanced comps, and over improvement for the area.<br> Picture of missing xxxxxx. - Due Diligence Vendor-09/05/2025 | Months Reserves exceed minimum required - Loan is a cash out refinance - borrower used cash out as reserves. Borrowers have significant reserves after closing. <br>LTV is less than guideline maximum - LTV is 60% - Max is 75% | - LTV/CTLV 0% or more below the maximum allowed under required guidelines. <br> - Self-employed for > 10 years (current self-employment shows opened 12/2021. <br> - Current primary home ownership> 10 years. <br> - DTI <= 36% which is below requirement in guides. <br>| QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 844065 | xxxxxx C B A | Closed | xxxxxx | 2025-08-22 10:34 | 2025-08-26 12:00 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Upon further review, the loan file contained all required fraud report documentation. - Due Diligence Vendor-08/26/2025 <br>Open-All Interested Parties Not Checked with Exclusionary Lists Missing Title Company, Title/Closing Agent, HOI Company, HOI Contact, Processor, Underwriter (if applicable) - Due Diligence Vendor-08/22/2025 |  | Resolved-Upon further review, the loan file contained all required fraud report documentation. - Due Diligence Vendor-08/26/2025<br>| Months Reserves exceed minimum required - Loan is a cash out refinance - borrower used cash out as reserves. Borrowers have significant reserves after closing. <br>LTV is less than guideline maximum - LTV is 60% - Max is 75% |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 844065 | xxxxxx C B A | Closed | xxxxxx | 2025-08-20 10:55 | 2025-08-20 11:10 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings. - Due Diligence Vendor-08/20/2025 |  | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings. - Due Diligence Vendor-08/20/2025<br>| Months Reserves exceed minimum required - Loan is a cash out refinance - borrower used cash out as reserves. Borrowers have significant reserves after closing. <br>LTV is less than guideline maximum - LTV is 60% - Max is 75% |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 844070 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 844071 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 844074 | xxxxxx C A | Closed | xxxxxx | 2025-09-11 09:55 | 2025-09-23 10:30 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Upon further review, the loan file contained all required credit documentations. - Due Diligence Vendor-09/23/2025 <br>Open-LOX for credit inquiries is missing. A letter of explanation for the recent inquiries was not identified in the file. - Due Diligence Vendor-09/11/2025 |  | Resolved-Upon further review, the loan file contained all required credit documentations. - Due Diligence Vendor-09/23/2025<br>| Months Reserves exceed minimum required - 6 months required, subject 11 months. <br>Qualifying FICO score is at least 20 points above minimum for program - 660 required, subject 785 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844087 | xxxxxx C B A | Closed | xxxxxx | 2025-09-23 17:03 | 2025-09-29 10:56 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received COC xxxxxx, finding resolved. - Due Diligence Vendor-09/29/2025 <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 $.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 $2,614.91 (Points - Loan Discount 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 $2,614.91, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 3 years. Expires xxxxxx.<br> - Due Diligence Vendor-09/23/2025 |  | Resolved-Received COC xxxxxx, finding resolved. - Due Diligence Vendor-09/29/2025 | Residual Income =/> 1.5 times $3,500 monthly residual income - Over $27K residual income<br>Months Reserves exceed minimum required - Reserves = 139 months – Required Reserves = 0 Months<br>On time mortgage history exceeds guideline requirement - On Time Mortgage History = 50 Months Required = 12 months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 844087 | xxxxxx C B A | Closed | xxxxxx | 2025-09-24 18:43 | 2025-09-25 12:39 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Client exception granted to allow 674 FICO. Non-material waiver applied with comp factors. Deemed non-material due to only 6 points below the minimum required. - Due Diligence Vendor-09/25/2025 <br>Open-Audited FICO of 674 is less than Guideline FICO of 680 - Due Diligence Vendor-09/24/2025 |  | Waived-Client exception granted to allow 674 FICO. Non-material waiver applied with comp factors. Deemed non-material due to only 6 points below the minimum required. - Due Diligence Vendor-09/25/2025<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - Over $27K residual income<br>Months Reserves exceed minimum required - Reserves = 139 months – Required Reserves = 0 Months<br>On time mortgage history exceeds guideline requirement - On Time Mortgage History = 50 Months Required = 12 months | Residual income more than 2.5x the amount required by guidelines<br> Self-employed for > 10 years<br> Reserves exceed requirement by 6 months or more | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 844118 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 844124 | xxxxxx C B A | Closed | xxxxxx | 2025-09-11 11:10 | 2025-09-15 11:10 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Waived-Client exception granted to allow 1099 paid to borrower's LLC, Non-materialwaiver applied with comp factors. - Due Diligence Vendor-09/15/2025 <br> Open-Income and Employment Do Not Meet Guidelines Using 1099's for income documentation. 1099 is paid to the borrower's LLC. Borrower is 100% owner of LLC. - Due Diligence Vendor-09/11/2025 |  | Waived-Client exception granted to allow 1099 paid to borrower's LLC, Non-materialwaiver applied with comp factors. - Due Diligence Vendor-09/15/2025 | Qualifying DTI below maximum allowed - Qualifying DTI 32%; max permitted 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit score 727; minimum required 640. | Credit Score 30+ points > minimum required, DTI <= 36% which is below requirement in guidelines, Employed in same profession > 5 years | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 844124 | xxxxxx C B A | Closed | xxxxxx | 2025-09-09 14:56 | 2025-09-10 07:56 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. Client waiver applied to non-material Findings. - Due Diligence Vendor-09/10/2025 |  | Waived-The Home Loan Toolkit disclosure is missing. Client waiver applied to non-material Findings. - Due Diligence Vendor-09/10/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 32%; max permitted 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit score 727; minimum required 640. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 844134 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 844171 | xxxxxx C A | Closed | xxxxxx | 2025-08-08 10:01 | 2025-08-13 16:36 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Note Document | Resolved-Received all pages of Note. - Due Diligence Vendor-08/13/2025 <br>Ready for Review-Document Uploaded. - Seller-08/12/2025 <br>Open-There are Issues Present on the Note that must be addressed. Page 2 of Note is missing. - Due Diligence Vendor-08/08/2025 | Ready for Review-Document Uploaded. - Seller-08/12/2025<br>| Resolved-Received all pages of Note. - Due Diligence Vendor-08/13/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 718; minimum score 660.<br>Months Reserves exceed minimum required - 7.07 months PITIA reserves; 2 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 844203 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 844204 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 844209 | xxxxxx D B A | Closed | xxxxxx | 2025-10-14 16:59 | 2025-10-14 16:59 | Waived | 2 - Non-Material C B | Credit | Eligibility | Property/Appraisal General (Credit) | Waived-- Client waiver in file applied with compensating factors. Waiver applied to non-material finding. Appraisal comparables are similar in size and style to the subject, are common for the area and has no impact on marketability. - Due Diligence Vendor-10/14/2025 <br> Open-Per guides, condotels require a minimum of 500 square feet of living space. Appraisal reflects subject has only xxxxxx SQF of xxxxxx. Lender exception in file to allow xxxxxx with less than 500 square feet GLA. - Due Diligence Vendor-10/14/2025 |  | Waived-- Client waiver in file applied with compensating factors. Waiver applied to non-material finding. Appraisal comparables are similar in size and style to the subject, are common for the area and has no impact on marketability. - Due Diligence Vendor-10/14/2025 | Qualifying DTI below maximum allowed - Subject DTI is 43.49%, maximum DTI allowed is 50%.<br>LTV is less than guideline maximum - Subject LTV ratio is 75%, maximum LTV allowed is 85%.<br>Qualifying FICO score is at least 20 points above minimum for program - The minimum fico score requirement is 660 and the borrower's qualifying credit score is 794 which is 134 points higher than the minimum. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 844209 | xxxxxx D B A | Closed | xxxxxx | 2025-09-18 08:42 | 2025-10-03 11:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Insurance Policy Missing | Resolved-Received Flood Insurance Policy - Due Diligence Vendor-10/03/2025 <br> Open-Missing Flood Insurance Policy Subject located in a flood zone. It should be noted that, although the condo association's insurance policy provides flood insurance, per Final CD, a separate Flood Insurance policy was obtained by the borrower and escrowed at closing. However, a copy of the borrower's flood insurance policy was not provided. - Due Diligence Vendor-09/18/2025 |  | Resolved-Received Flood Insurance Policy - Due Diligence Vendor-10/03/2025<br>| Qualifying DTI below maximum allowed - Subject DTI is 43.49%, maximum DTI allowed is 50%.<br>LTV is less than guideline maximum - Subject LTV ratio is 75%, maximum LTV allowed is 85%.<br>Qualifying FICO score is at least 20 points above minimum for program - The minimum fico score requirement is 660 and the borrower's qualifying credit score is 794 which is 134 points higher than the minimum. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 844209 | xxxxxx D B A | Closed | xxxxxx | 2025-09-18 17:47 | 2025-10-03 11:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Received all policies. - Due Diligence Vendor-10/03/2025 <br> Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided The HO6 insurance policy excludes coverage for xxxxxx and xxxxxx. It should be noted that, although the condo association's insurance policy provides xxxxxx insurance, per the Final CD, a separate policy for xxxxxx Insurance was obtained by the borrower and escrowed at closing. However, a copy of the borrower's xxxxxx insurance policy was not provided. - Due Diligence Vendor-09/18/2025 |  | Resolved-Received all policies. - Due Diligence Vendor-10/03/2025<br>| Qualifying DTI below maximum allowed - Subject DTI is 43.49%, maximum DTI allowed is 50%.<br>LTV is less than guideline maximum - Subject LTV ratio is 75%, maximum LTV allowed is 85%.<br>Qualifying FICO score is at least 20 points above minimum for program - The minimum fico score requirement is 660 and the borrower's qualifying credit score is 794 which is 134 points higher than the minimum. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 844209 | xxxxxx D B A | Closed | xxxxxx | 2025-09-18 14:35 | 2025-09-25 11:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-09/25/2025 <br>Open-Title Document is Incomplete Missing Title Commitment Supplemental Report with corrected policy amount to match the subject loan amount. - Due Diligence Vendor-09/18/2025 |  | Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-09/25/2025<br>| Qualifying DTI below maximum allowed - Subject DTI is 43.49%, maximum DTI allowed is 50%.<br>LTV is less than guideline maximum - Subject LTV ratio is 75%, maximum LTV allowed is 85%.<br>Qualifying FICO score is at least 20 points above minimum for program - The minimum fico score requirement is 660 and the borrower's qualifying credit score is 794 which is 134 points higher than the minimum. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 844209 | xxxxxx D B A | Closed | xxxxxx | 2025-09-18 17:15 | 2025-09-24 14:55 | Waived | 2 - Non-Material C B | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Waived-Client waiver in file applied with compensating factors. Waiver applied to non-material finding. Appraisal comparables are similar in size and style to the subject, are common for the area and has no impact on marketability. - Due Diligence Vendor-09/24/2025 <br> Open-Property Issues are identified for the property Per guides, xxxxxx require a xxxxxx. The appraisal & photos confirm the subject is a xxxxxx. - Due Diligence Vendor-09/18/2025 |  | Waived-Client waiver in file applied with compensating factors. Waiver applied to non-material finding. Appraisal comparables are similar in size and style to the subject, are common for the area and has no impact on marketability. - Due Diligence Vendor-09/24/2025<br>| Qualifying DTI below maximum allowed - Subject DTI is 43.49%, maximum DTI allowed is 50%.<br>LTV is less than guideline maximum - Subject LTV ratio is 75%, maximum LTV allowed is 85%.<br>Qualifying FICO score is at least 20 points above minimum for program - The minimum fico score requirement is 660 and the borrower's qualifying credit score is 794 which is 134 points higher than the minimum. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 844215 | xxxxxx C A | Closed | xxxxxx | 2025-09-23 09:29 | 2025-09-29 12:36 | Resolved | 1 - Information C A | Property | Appraisal | Two or more full valuation products not provided for loan amounts > $2 million | Resolved-Received 2nd appraisal. - Due Diligence Vendor-09/29/2025 <br>Open-Two or more full valuation products were not provided.' Missing Second Appraisal. Two or more full valuation products were not provided. - Due Diligence Vendor-09/23/2025 |  | Resolved-Received 2nd appraisal. - Due Diligence Vendor-09/29/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 786; guidelines require 700. <br>LTV is less than guideline maximum - LTV 60% LTV. Allowed 70% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 844220 | xxxxxx C A | Closed | xxxxxx | 2025-09-11 14:37 | 2025-09-16 10:50 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Final CD included $205 lender credit for an increase in closing cost above legal limit<br> - Due Diligence Vendor-09/16/2025 <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 $205.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Final CD included $205 lender credit for an increase in closing cost above legal limit - Due Diligence Vendor-09/11/2025 |  | Resolved-Final CD included $205 lender credit for an increase in closing cost above legal limit<br> - Due Diligence Vendor-09/16/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - The Borrowers FICO score is 706; guideline minimum is 680.<br>Months Reserves exceed minimum required - The Borrower has 14.55 months in reserves; guideline minimum is 3 months. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844289 | xxxxxx D A | Closed | xxxxxx | 2025-08-27 05:36 | 2025-09-16 10:37 | Resolved | 1 - Information C A | Credit | Eligibility | CoSignor or Guarantor is on debt or a loan not in this application according to the 1003 Declaration | Resolved-Received corrected final 1003 from borrowers confirming no cosigned obligation-marked in error. - Due Diligence Vendor-09/16/2025 <br>Open-CoSignor or Guarantor is on debt or a loan not in this application according to the 1003 Declaration. Provide loans not listed on 1003. Additional findings may apply. - Due Diligence Vendor-09/01/2025 |  | Resolved-Received corrected final 1003 from borrowers confirming no cosigned obligation-marked in error. - Due Diligence Vendor-09/16/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO = 727 Min FICO = 680<br>Qualifying DTI below maximum allowed - DTI = 34.81% - Max DTI = 50.0% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844289 | xxxxxx D A | Closed | xxxxxx | 2025-08-29 17:23 | 2025-09-02 11:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-After further review, the gap credit is not required. - Due Diligence Vendor-09/02/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-08/29/2025 |  | Resolved-After further review, the gap credit is not required. - Due Diligence Vendor-09/02/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO = 727 Min FICO = 680<br>Qualifying DTI below maximum allowed - DTI = 34.81% - Max DTI = 50.0% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844339 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 844351 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 844362 | xxxxxx C A | Closed | xxxxxx | 2025-08-22 10:35 | 2025-08-28 10:57 | Resolved | 1 - Information C A | Credit | Eligibility | Foreign National/Non Perm resident alien but ACH form is not in file | Resolved-Received ACH. - Due Diligence Vendor-08/28/2025 <br>Open-Foreign National but the ACH form is Missing from file. - Foreign National but the ACH form is Missing from file. - Due Diligence Vendor-08/22/2025 |  | Resolved-Received ACH. - Due Diligence Vendor-08/28/2025 | DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.09<br>Months Reserves exceed minimum required - 100 mths reserves; 6 mths required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 844395 | xxxxxx D A C | Closed | xxxxxx | 2025-09-08 17:26 | 2025-09-17 14:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received Tax Calculation - Due Diligence Vendor-09/17/2025 <br>Open-Missing Evidence of Property Tax - Due Diligence Vendor-09/08/2025 |  | Resolved-Received Tax Calculation - Due Diligence Vendor-09/17/2025<br>| Months Reserves exceed minimum required - 8.22 mos reserves; 4 mos required<br>Qualifying DTI below maximum allowed - 44.53% Qualifying DTI below 50% maximum allowed<br>LTV is less than guideline maximum - 80% LTV is less than 90% guideline maximum<br>Qualifying FICO score is at least 20 points above minimum for program - 748 FICO; Min required of 700 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844395 | xxxxxx D A C | Closed | xxxxxx | 2025-09-06 13:20 | 2025-09-17 10:42 | Resolved | 1 - Information C A | Compliance | Disclosure | Interest starts accruing prior to disbursement date | Resolved-Upon further review, finding resolved. - Due Diligence Vendor-09/17/2025 <br> Open-The Prepaid Interest date of xxxxxx in section F of last CD is prior to the disbursement date of xxxxxx - Due Diligence Vendor-09/06/2025 |  | Resolved-Upon further review, finding resolved. - Due Diligence Vendor-09/17/2025<br>| Months Reserves exceed minimum required - 8.22 mos reserves; 4 mos required<br>Qualifying DTI below maximum allowed - 44.53% Qualifying DTI below 50% maximum allowed<br>LTV is less than guideline maximum - 80% LTV is less than 90% guideline maximum<br>Qualifying FICO score is at least 20 points above minimum for program - 748 FICO; Min required of 700 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844406 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 844452 | xxxxxx D B C A | Closed | xxxxxx | 2025-08-22 11:54 | 2025-09-10 12:04 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received correct desk review. - Due Diligence Vendor-09/10/2025 <br> Open-CU/LCA not both below 2.5, desk review pg 677 in file does not show correct appraiser or appraised value and cannot use. - Due Diligence Vendor-08/22/2025 |  | Resolved-Received correct desk review. - Due Diligence Vendor-09/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO 761 MIN FICO 680<br>LTV is less than guideline maximum - LTV 76 % MAX LTV 85% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844452 | xxxxxx D B C A | Closed | xxxxxx | 2025-08-22 12:26 | 2025-09-08 12:44 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: The Lender did not document all ATR Factors | Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-09/08/2025 <br>Open-ATR: The Lender did not document all ATR Factors DTI exceeds limits. Audit asset utilization income less than lender who did not use the correct cash to close amount. - Due Diligence Vendor-08/22/2025 |  | Resolved-ATR: The Lender documented all ATR Factors or Not Applicable - Due Diligence Vendor-09/08/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO 761 MIN FICO 680<br>LTV is less than guideline maximum - LTV 76 % MAX LTV 85% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844452 | xxxxxx D B C A | Closed | xxxxxx | 2025-08-22 12:26 | 2025-09-08 12:44 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-09/08/2025 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. DTI exceeds limits. Audit asset utilization income less than lender who did not use the correct cash to close amount. - Due Diligence Vendor-08/22/2025 |  | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-09/08/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO 761 MIN FICO 680<br>LTV is less than guideline maximum - LTV 76 % MAX LTV 85% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844452 | xxxxxx D B C A | Closed | xxxxxx | 2025-08-22 12:29 | 2025-09-05 11:31 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Client provided a waiver for DTI of 50.51% >50.00%, applied to non-material finding with comp factors - Due Diligence Vendor-09/05/2025 <br> Counter-Recalculated DTI using the borrowers base pay. DTI is 50.51%. Exception request provided. Please provide the client exception approval. - Due Diligence Vendor-09/03/2025 |  | Waived-Client provided a waiver for DTI of 50.51% >50.00%, applied to non-material finding with comp factors - Due Diligence Vendor-09/05/2025 | Qualifying FICO score is at least 20 points above minimum for program - FICO 761 MIN FICO 680<br>LTV is less than guideline maximum - LTV 76 % MAX LTV 85% | Credit Score 30+ points > minimum required<br> Reserves exceed requirement by 6 months or more <br> LTV/CLTV 5% or more below the maximum allowed under applicable guidelines | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 844452 | xxxxxx D B C A | Closed | xxxxxx | 2025-08-18 11:34 | 2025-08-27 11:14 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-08/27/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. ----- Missing Exhibit A, Legal Description<br> - Due Diligence Vendor-08/18/2025 |  | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-08/27/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO 761 MIN FICO 680<br>LTV is less than guideline maximum - LTV 76 % MAX LTV 85% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844452 | xxxxxx D B C A | Closed | xxxxxx | 2025-08-18 12:17 | 2025-08-22 12:31 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved------ Zero (0%) tolerance fees increased by $95 (HOA/Conda/CoOp Questionnaire) without a valid COC in file. Lender provided credit of $95 for increase in closing costs above legal limit, finding resolved. - Due Diligence Vendor-08/22/2025 <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 $95.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Zero (0%) tolerance fees increased by $95 (HOA/Conda/CoOp Questionnaire) without a valid COC in file. Lender provided credit of $95 for increase in closing costs above legal limit, finding resolved. - Due Diligence Vendor-08/18/2025 |  | Resolved------ Zero (0%) tolerance fees increased by $95 (HOA/Conda/CoOp Questionnaire) without a valid COC in file. Lender provided credit of $95 for increase in closing costs above legal limit, finding resolved. - Due Diligence Vendor-08/22/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO 761 MIN FICO 680<br>LTV is less than guideline maximum - LTV 76 % MAX LTV 85% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844538 | xxxxxx C A | Closed | xxxxxx | 2025-09-08 10:07 | 2025-09-16 10:57 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Note Document | Resolved-Received complete Note. - Due Diligence Vendor-09/16/2025 <br>Open-There are Issues Present on the Note that must be addressed. Note page1, section 2 missing data. Provide a complete and legible Note. - Due Diligence Vendor-09/08/2025 |  | Resolved-Received complete Note. - Due Diligence Vendor-09/16/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO 744; minimum FICO 680 required<br>LTV is less than guideline maximum - 59.91% LTV; max 70% LTV required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 844542 | xxxxxx D A | Closed | xxxxxx | 2025-08-26 06:49 | 2025-09-08 12:47 | Resolved | 1 - Information D A | Credit | Eligibility | Second Appraisal is Missing | Resolved-Received secondary valuation. - Due Diligence Vendor-09/08/2025 <br> Open-Secondary Valuation Product is missing. - Due Diligence Vendor-08/26/2025 |  | Resolved-Received secondary valuation. - Due Diligence Vendor-09/08/2025 | Months Reserves exceed minimum required - 17.32 months reserves; 9 months reserves required.<br>Long term residence - 6 Years. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 844543 | xxxxxx D B C A | Closed | xxxxxx | 2025-08-17 13:44 | 2025-09-11 12:26 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Client provided a waiver for fico <700, applied to non material finding with comp factors - Due Diligence Vendor-09/11/2025 <br> Open-Audited FICO of 676 is less than Guideline FICO of 700 First time investors are allowed provided that the DSCR is >1.0 and the Credit score is >700 - Due Diligence Vendor-08/17/2025 |  | Waived-Client provided a waiver for fico <700, applied to non material finding with comp factors - Due Diligence Vendor-09/11/2025 | DSCR % greater than 1.20 - DSCR 1.234%<br>Months Reserves exceed minimum required - 6 months reserves required / Borrower reserve >9 months | DSCR > 1.15<br> Reserves exceed requirement by 2 months or more | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 844543 | xxxxxx D B C A | Closed | xxxxxx | 2025-08-17 14:01 | 2025-08-26 12:02 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received Desk Review. Value supported. - Due Diligence Vendor-08/26/2025 <br> Open- All loans must have a second appraisal, xxxxxx CDA, xxxxxx ARR or equivalent product or field review evidencing a reasonable appraisal value. - Due Diligence Vendor-08/17/2025 |  | Resolved-Received Desk Review. Value supported. - Due Diligence Vendor-08/26/2025 | DSCR % greater than 1.20 - DSCR 1.234%<br>Months Reserves exceed minimum required - 6 months reserves required / Borrower reserve >9 months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 844543 | xxxxxx D B C A | Closed | xxxxxx | 2025-08-17 11:05 | 2025-08-26 11:57 | Resolved | 1 - Information C A | Credit | Borrower | Potential Occupancy/Current Address Issues identified in the file | Resolved-Received revised Declarations w/borrowers signature and initials stating non-owner occupied. - Due Diligence Vendor-08/26/2025 <br> Open-1003 states borrower intends to occupy property when loan is DSCR. - Due Diligence Vendor-08/17/2025 |  | Resolved-Received revised Declarations w/borrowers signature and initials stating non-owner occupied. - Due Diligence Vendor-08/26/2025 | DSCR % greater than 1.20 - DSCR 1.234%<br>Months Reserves exceed minimum required - 6 months reserves required / Borrower reserve >9 months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 844543 | xxxxxx D B C A | Closed | xxxxxx | 2025-08-17 12:05 | 2025-08-18 15:25 | Waived | 2 - Non-Material C B | Credit | Eligibility | Prepayment Penalty is not allowed | Waived-Client waiver applied to non material finding - Due Diligence Vendor-08/21/2025 <br> Open-Prepayment Penalty is not allowed. A PPP cannot be applied to a LLC in xxxxxx, only on a C-Corp or S-Corp - Due Diligence Vendor-08/17/2025 |  | Waived-Client waiver applied to non material finding - Due Diligence Vendor-08/21/2025 | DSCR % greater than 1.20 - DSCR 1.234%<br>Months Reserves exceed minimum required - 6 months reserves required / Borrower reserve >9 months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 844556 | xxxxxx B A | Closed | xxxxxx | 2025-08-20 11:51 | 2025-08-20 11:51 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings - Due Diligence Vendor-08/20/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings - Due Diligence Vendor-08/20/2025 | Qualifying FICO score is at least 20 points above minimum for program - 700 required, subject 722 <br>Months Reserves exceed minimum required - Zero required, subject 39 months |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 844560 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 844563 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 844576 | xxxxxx D A C | Closed | xxxxxx | 2025-08-26 15:52 | 2025-09-12 07:07 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Rec'd COC. Finding resolved. - Due Diligence Vendor-09/12/2025 <br> Counter-Rec'd COC and LE issued xxxxxx. COC does not state specifically why an additional appraisal service was required. Please provide a detailed reason why an additional appraisal service was required. Finding remains.<br> . - Due Diligence Vendor-09/03/2025 <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 $510.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by $510.00 (Second Appraisal) 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 $510.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-08/26/2025 |  | Resolved-Rec'd COC. Finding resolved. - Due Diligence Vendor-09/12/2025 | Months Reserves exceed minimum required - Minimum reserves are 6 months, Borrower has 48.77 months<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700, qualifying score is 776 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 844576 | xxxxxx D A C | Closed | xxxxxx | 2025-08-31 20:09 | 2025-09-10 12:08 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received secondary valuation. - Due Diligence Vendor-09/10/2025 <br> Open--Missing secondary valuation product to support value. - Due Diligence Vendor-09/01/2025 |  | Resolved-Received secondary valuation. - Due Diligence Vendor-09/10/2025 | Months Reserves exceed minimum required - Minimum reserves are 6 months, Borrower has 48.77 months<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700, qualifying score is 776 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 844576 | xxxxxx D A C | Closed | xxxxxx | 2025-08-28 15:05 | 2025-09-04 09:55 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Upon further review, the loan file contained all required credit inquiry documentation. - Due Diligence Vendor-09/04/2025 <br> Open-LOX for credit inquiries is missing. - Due Diligence Vendor-08/28/2025 |  | Resolved-Upon further review, the loan file contained all required credit inquiry documentation. - Due Diligence Vendor-09/04/2025 | Months Reserves exceed minimum required - Minimum reserves are 6 months, Borrower has 48.77 months<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700, qualifying score is 776 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 844581 | xxxxxx D B A | Closed | xxxxxx | 2025-09-10 11:33 | 2025-09-26 12:46 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Borrower 1 Total Years Employment Verified is Less Than 24 Months | Waived-Client provided a waiver for validation of dates of employment, applied to non material finding with comp factors - Due Diligence Vendor-09/26/2025 <br> Counter-2023 W-2's provided, however it does not confirm the dates of employment. - Due Diligence Vendor-09/12/2025 <br> Open-Borrower 1 Total Years Employment Verified is Less Than 24 Months Missing verification of employment for the prior employment. - Due Diligence Vendor-09/10/2025 |  | Waived-Client provided a waiver for validation of dates of employment, applied to non material finding with comp factors - Due Diligence Vendor-09/26/2025 | LTV is less than guideline maximum - LTV 80% is lower than maximum 85%<br>On time mortgage history exceeds guideline requirement - 0x30x12 in the past 55 months <br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 797 is higher than the required 680 | Reserves exceed requirement by 10 months or more <br> Credit Score 30+ points > minimum required | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 844581 | xxxxxx D B A | Closed | xxxxxx | 2025-09-08 08:01 | 2025-09-24 15:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Missing | Resolved-Guaranty agreement provided. - Due Diligence Vendor-09/24/2025 <br> Counter-Business Purpose provided, however we are missing the Guarantee Agreement. - Due Diligence Vendor-09/12/2025 <br> Open-The Subject Loan is a Business Purpose Loan but the Guaranty Agreement Doc is 'Missing'. Missing Guaranty Agreement - Due Diligence Vendor-09/10/2025 |  | Resolved-Guaranty agreement provided. - Due Diligence Vendor-09/24/2025 | LTV is less than guideline maximum - LTV 80% is lower than maximum 85%<br>On time mortgage history exceeds guideline requirement - 0x30x12 in the past 55 months <br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 797 is higher than the required 680 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 844584 | xxxxxx C B A | Closed | xxxxxx | 2025-07-25 20:19 | 2025-10-14 12:30 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Received business phone verification. - Due Diligence Vendor-08/04/2025 <br> Ready for Review-Document Uploaded. Business search attached - Due Diligence Vendor-08/04/2025 <br> Open-Missing business number search, business phone number must be verifiable via Google Search, 411.com or internet. - Due Diligence Vendor-08/04/2025 |  | Resolved-Received business phone verification. - Due Diligence Vendor-08/04/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 753 is higher than 680 minimum required<br>Months Reserves exceed minimum required - Guidelines require 4 months of reserves. Qualifying reserves are 7.13 months. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844584 | xxxxxx C B A | Closed | xxxxxx | 2025-07-24 17:08 | 2025-07-31 16:45 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-07/31/2025 <br> Ready for Review-Document Uploaded. DOT attached - Seller-07/29/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing page 4 of the DOT - Due Diligence Vendor-07/24/2025 | Ready for Review-Document Uploaded. DOT attached - Seller-07/29/2025 | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-07/31/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 753 is higher than 680 minimum required<br>Months Reserves exceed minimum required - Guidelines require 4 months of reserves. Qualifying reserves are 7.13 months. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844584 | xxxxxx C B A | Closed | xxxxxx | 2025-07-24 17:26 | 2025-07-24 17:26 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-07/24/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-07/24/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 753 is higher than 680 minimum required<br>Months Reserves exceed minimum required - Guidelines require 4 months of reserves. Qualifying reserves are 7.13 months. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 844602 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 844634 | xxxxxx C A | Closed | xxxxxx | 2025-08-15 15:00 | 2025-08-20 09:27 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Received Trust Cert. - Due Diligence Vendor-08/20/2025 <br> Open-The Business Entity Formation Document is Missing. Investor to review and approve all Entity documentation. Missing xxxxxx xxxxxx Dated xxxxxx documents./ CERTIFICATION OF TRUST in file is not executed. - Due Diligence Vendor-08/15/2025 |  | Resolved-Received Trust Cert. - Due Diligence Vendor-08/20/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 785; guidelines require 700. <br>LTV is less than guideline maximum - LTV 54.55% LTV. Allowed 75%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 844635 | xxxxxx D A | Closed | xxxxxx | 2025-09-19 08:38 | 2025-10-03 13:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-After further review, the mortgage is reporting on credit and proof of taxes and insurance were provided. - Due Diligence Vendor-10/03/2025 <br> Counter-CD provided is not for xxxxxx. Finding remains. - Due Diligence Vendor-10/03/2025 <br> Counter-Statements for other REO's provided. Please provide the Statement for xxxxxx - Due Diligence Vendor-09/29/2025 <br> Open-Provide the Mtg. Statement for the REO xxxxxx - Due Diligence Vendor-09/19/2025 |  | Resolved-After further review, the mortgage is reporting on credit and proof of taxes and insurance were provided. - Due Diligence Vendor-10/03/2025 | Qualifying DTI below maximum allowed - DTI 40.88% is lower than allowable 50%<br>Months Reserves exceed minimum required - 24.31 months reserves exceed required 6 by 18.31 months. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 844635 | xxxxxx D A | Closed | xxxxxx | 2025-09-26 10:22 | 2025-10-03 10:13 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Received Final Closing Disclosure and tested, no new findings. Finding resolved. - Due Diligence Vendor-10/03/2025 <br> Open-\*NEW\* TRID: Missing Final Closing Disclosure provided to borrower at closing. - Due Diligence Vendor-09/26/2025 |  | Resolved-Received Final Closing Disclosure and tested, no new findings. Finding resolved. - Due Diligence Vendor-10/03/2025 | Qualifying DTI below maximum allowed - DTI 40.88% is lower than allowable 50%<br>Months Reserves exceed minimum required - 24.31 months reserves exceed required 6 by 18.31 months. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 844635 | xxxxxx D A | Closed | xxxxxx | 2025-09-18 13:46 | 2025-09-29 12:44 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Mortgage w/Legal. - Due Diligence Vendor-09/29/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing legal description, exhibit A, to mortgage. - Due Diligence Vendor-09/18/2025 |  | Resolved-Received Mortgage w/Legal. - Due Diligence Vendor-09/29/2025 | Qualifying DTI below maximum allowed - DTI 40.88% is lower than allowable 50%<br>Months Reserves exceed minimum required - 24.31 months reserves exceed required 6 by 18.31 months. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 844683 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA |  |  |  |
| 844690 | xxxxxx D A C | Closed | xxxxxx | 2025-09-29 12:07 | 2025-10-14 12:26 | Resolved | 1 - Information D A | Compliance | Missing Doc | Collateral Protection Notice is Missing | Resolved-Upon further review, finding resolved.<br> - Due Diligence Vendor-10/14/2025 <br> Open-Collateral Protection Notice is Missing Missing Hazard Insurance Authorization and Requirements disclosure - Due Diligence Vendor-09/29/2025 |  | Resolved-Upon further review, finding resolved.<br> - Due Diligence Vendor-10/14/2025 | Qualifying FICO score is at least 20 points above minimum for program - FICO IS 732, MINIMUM IS 660<br>Qualifying DTI below maximum allowed - DTI IS 29%, MAXIMUM IS 50% |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 844690 | xxxxxx D A C | Closed | xxxxxx | 2025-09-29 11:08 | 2025-10-02 11:54 | Resolved | 1 - Information C A | Property | Appraisal | The appraiser was not licensed (Primary Value) | Resolved-Received borrower prior license. - Due Diligence Vendor-10/02/2025 <br> Open-Primary Value appraiser's license was not effective prior to the Valuation Date or expired prior to the Valuation Date Primary Value appraiser's license xxxxxx was not effective prior to the Valuation Date or expired prior to the Valuation Date 8/25/25 - Due Diligence Vendor-09/29/2025 |  | Resolved-Received borrower prior license. - Due Diligence Vendor-10/02/2025 | Qualifying FICO score is at least 20 points above minimum for program - FICO IS 732, MINIMUM IS 660<br>Qualifying DTI below maximum allowed - DTI IS 29%, MAXIMUM IS 50% |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 844695 | xxxxxx C B A | Closed | xxxxxx | 2025-09-03 08:43 | 2025-09-04 12:30 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client exception granted to allow Condo does not meet guides, Non-materialwaiver applied with comp factors. - Due Diligence Vendor-09/04/2025 <br> Open-Lender Exception in file for xxxxxx 'Unavailable' because the project require mandatory membership fee for recreational activities - xxxxxx. - Due Diligence Vendor-09/03/2025 |  | Waived-Client exception granted to allow Condo does not meet guides, Non-materialwaiver applied with comp factors. - Due Diligence Vendor-09/04/2025 | Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680; qualifying FICO is 757.<br>Months Reserves exceed minimum required - Months reserves required is 0; qualifying reserves is 83.48 months. | LTV 10% or more below the maximum allowed under applicable guidelines.<br> Credit Score 30+ points > minimum required.<br> DTi <= 36% which is below requirement in guidelines. | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 844696 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 844702 | xxxxxx D A C | Closed | xxxxxx | 2025-08-28 21:49 | 2025-09-15 14:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-After further review, the borrower that is not of retirement age, guides allow 60% of the 104K account. Reserves and cash to close not deducted, since they came from other assets the borrower verified. - Due Diligence Vendor-09/15/2025 <br> Counter-Client comments - xxxxxx, the $1426.82 monthly was derived from asset depletion. Please find the asset depletion worksheet. Please clear. xxxxxx. - AUDIT RESPONSE - Asset Utilization provided, however the borrower is not xxxxxx years of age in order to use retirement assets. Finding remains.<br> - Due Diligence Vendor-09/12/2025 <br> Counter-Asset Utilization provided, however the borrower is not xxxxxx years of age in order to use retirement assets. Finding remains. - Due Diligence Vendor-09/11/2025 <br> Counter-Received duplicate VVOE-Missing VVOE from the Employer for addition income in the amount of $2524.39 Average YTD + 2 years, unsure how the lender arrived at using $1426.82 ; the file contains a VVOE for the Primary Employer page - Due Diligence Vendor-09/05/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing VVOE from the Employer for addition income in the amount of $2524.39 Average YTD + 2 years, unsure how the lender arrived at using $1426.82 ; the file contains a VVOE for the Primary Employer page . - Due Diligence Vendor-08/29/2025 |  | Resolved-After further review, the borrower that is not of retirement age, guides allow 60% of the 104K account. Reserves and cash to close not deducted, since they came from other assets the borrower verified. - Due Diligence Vendor-09/15/2025 | Qualifying FICO score is at least 20 points above minimum for program - The Borrowers FICO score is 702, guideline minimum is 680.<br>Months Reserves exceed minimum required - The Borrower has 50.06 in reserves guideline minimum is 6 months. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844702 | xxxxxx D A C | Closed | xxxxxx | 2025-08-28 11:09 | 2025-09-15 14:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Upon further review, the loan file contained all required credit documentation. - Due Diligence Vendor-09/05/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Missing Gap Credit Report. - Due Diligence Vendor-08/28/2025 |  | Resolved-Upon further review, the loan file contained all required credit documentation. - Due Diligence Vendor-09/05/2025 | Qualifying FICO score is at least 20 points above minimum for program - The Borrowers FICO score is 702, guideline minimum is 680.<br>Months Reserves exceed minimum required - The Borrower has 50.06 in reserves guideline minimum is 6 months. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844702 | xxxxxx D A C | Closed | xxxxxx | 2025-08-25 18:35 | 2025-09-05 07:45 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received COC dated xxxxxx with Program Change to resolve Finding. - Due Diligence Vendor-09/05/2025 <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 $76.65.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 $76.65 (Verbal Verification of Employment) 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 $76.65, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 1 year- Expiration date is xxxxxx.<br> - Due Diligence Vendor-08/25/2025 |  | Resolved-Received COC dated xxxxxx with Program Change to resolve Finding. - Due Diligence Vendor-09/05/2025 | Qualifying FICO score is at least 20 points above minimum for program - The Borrowers FICO score is 702, guideline minimum is 680.<br>Months Reserves exceed minimum required - The Borrower has 50.06 in reserves guideline minimum is 6 months. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844807 | xxxxxx C B A | Closed | xxxxxx | 2025-08-27 10:32 | 2025-08-29 15:55 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client exception granted to allow rent free borrower. Non-material waiver applied with comp factors. Deemed non-material. - Due Diligence Vendor-08/29/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Borrower is currently living rent free at his primary residence. Subject property is an investment property - Due Diligence Vendor-08/27/2025 |  | Waived-Client exception granted to allow rent free borrower. Non-material waiver applied with comp factors. . - Due Diligence Vendor-08/29/2025 | 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 783 is higher than the required 660 | LTV/CLTV 5% or more below the maximum allowed under applicable guidelines<br> Experienced investor owns and manages 5 or more properties for 12 months | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 844831 | xxxxxx D A | Closed | xxxxxx | 2025-09-04 12:31 | 2025-09-12 13:40 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-After further review, there is no gap in the statement, there were no transactions. - Due Diligence Vendor-09/12/2025 <br> Counter-Missing statements reflecting sufficient funds for closing and reserves-complete 30 day account statements required. - Due Diligence Vendor-09/10/2025 <br> Open-Asset Record 1 Does Not Meet G/L Requirements Gap in acct ending in #1043 from 7/15 to 7/22<br> - Due Diligence Vendor-09/04/2025 |  | Resolved-After further review, there is no gap in the statement, there were no transactions. - Due Diligence Vendor-09/12/2025 | LTV is less than guideline maximum - LTV is 80% and max allowed is 90%<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 743 and minimum allowed is 700 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844831 | xxxxxx D A | Closed | xxxxxx | 2025-09-04 12:37 | 2025-09-12 13:38 | Resolved | 1 - Information C A | Credit | Assets | Asset General | Resolved-After further review, there is no gap in the statement, there were no transactions. The sourcing of deposits is not required per guides. - Due Diligence Vendor-09/12/2025 <br> Counter-Missing statements reflecting sufficient funds for closing and reserves-complete 30 day account statements required. - Due Diligence Vendor-09/10/2025 <br> Open--Missing statement for account ending in #7059 to document transfer to xxxxxx on 7/30 for $184,367.64 to ensure borrower's own funds and not a gift<br> - Missing statement for account ending in #5401 to document transfer to xxxxxx on 8/18 for $22,500, 8/19 for $10,000 to ensure borrower's own funds and not a gift<br> - Missing statement for account ending in #2527 to document transfer to xxxxxx on 8/20 for $180,331.40 to ensure borrower's own funds and not a gift - Due Diligence Vendor-09/04/2025 |  | Resolved-After further review, there is no gap in the statement, there were no transactions. The sourcing of deposits is not required per guides. - Due Diligence Vendor-09/12/2025 | LTV is less than guideline maximum - LTV is 80% and max allowed is 90%<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 743 and minimum allowed is 700 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844831 | xxxxxx D A | Closed | xxxxxx | 2025-09-02 08:57 | 2025-09-10 12:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received reo tax validation for xxxxxx - Due Diligence Vendor-09/10/2025 <br> Open-Missing verification of taxes, for xxxxxx non-subject property - Due Diligence Vendor-09/02/2025 |  | Resolved-Received reo tax validation for xxxxxx - Due Diligence Vendor-09/10/2025 | LTV is less than guideline maximum - LTV is 80% and max allowed is 90%<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 743 and minimum allowed is 700 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844831 | xxxxxx D A | Closed | xxxxxx | 2025-09-02 08:56 | 2025-09-10 12:16 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-09/10/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Pending asset documentation - Due Diligence Vendor-09/04/2025 |  | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-09/10/2025 | LTV is less than guideline maximum - LTV is 80% and max allowed is 90%<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 743 and minimum allowed is 700 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844831 | xxxxxx D A | Closed | xxxxxx | 2025-09-02 07:39 | 2025-09-10 12:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-09/10/2025 <br> Open-Title Document is Incomplete. Missing Title Supplemental reflecting insured amount of xxxxxx. - Due Diligence Vendor-09/02/2025 |  | Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-09/10/2025 | LTV is less than guideline maximum - LTV is 80% and max allowed is 90%<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 743 and minimum allowed is 700 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844831 | xxxxxx D A | Closed | xxxxxx | 2025-09-04 12:10 | 2025-09-10 12:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Received business bank statement analysis. - Due Diligence Vendor-09/10/2025 <br> Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing - Due Diligence Vendor-09/04/2025 |  | Resolved-Received business bank statement analysis. - Due Diligence Vendor-09/10/2025 | LTV is less than guideline maximum - LTV is 80% and max allowed is 90%<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 743 and minimum allowed is 700 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844879 | xxxxxx D B A | Closed | xxxxxx | 2025-09-11 09:10 | 2025-09-24 12:53 | Waived | 2 - Non-Material C B | Credit | Borrower | Citizenship Does Not Meet Guideline Requirements | Waived-Client waiver applied to non-material finding with compensating factors. - Due Diligence Vendor-09/24/2025 <br> Open-Borrower has C08 Visa type which is not permitted. The loan file contains an approved exception. - Due Diligence Vendor-09/11/2025 |  | Waived-Client waiver applied to non-material finding with compensating factors. - Due Diligence Vendor-09/24/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660 / Borrower FICO 744<br>Qualifying DTI below maximum allowed - Max DTI 36%/ Borrower DTI 24.62%<br>LTV is less than guideline maximum - Max LTV 85% / Subject LTV 80% | LTV/CLTV 5% or more below the maximum allowed under applicable guidelines<br> Credit Score 30+ points > minimum required<br> DTI <= 36% which is below requirement in guidelines | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 844879 | xxxxxx D B A | Closed | xxxxxx | 2025-09-09 07:52 | 2025-09-23 10:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing explanation and supporting documentation for large deposit(s) | Resolved-Received revised income calc, 1008 and 1003 removing large deposits. - Due Diligence Vendor-09/23/2025 <br> Counter-LOE required for the following deposits exceeding 50%- $50k on xxxxxx; $56,544.48 on xxxxxx; $53,500 on xxxxxx - Due Diligence Vendor-09/15/2025 <br> Open-Please provide LOE for Deposits equal to or exceeding 50% of the qualifying monthly income. Additional findings may apply. - Due Diligence Vendor-09/09/2025 |  | Resolved-Received revised income calc, 1008 and 1003 removing large deposits. - Due Diligence Vendor-09/23/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660 / Borrower FICO 744<br>Qualifying DTI below maximum allowed - Max DTI 36%/ Borrower DTI 24.62%<br>LTV is less than guideline maximum - Max LTV 85% / Subject LTV 80% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844879 | xxxxxx D B A | Closed | xxxxxx | 2025-09-08 09:35 | 2025-09-15 10:36 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-09/15/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing legal description in mtg chain. - Due Diligence Vendor-09/08/2025 |  | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-09/15/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660 / Borrower FICO 744<br>Qualifying DTI below maximum allowed - Max DTI 36%/ Borrower DTI 24.62%<br>LTV is less than guideline maximum - Max LTV 85% / Subject LTV 80% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844882 | xxxxxx D B A | Closed | xxxxxx | 2025-08-25 09:33 | 2025-09-08 17:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-09/08/2025 <br> Ready for Review-Document Uploaded. - Buyer-09/08/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Gap Credit is missing and not reflected on Fraud Report. - Due Diligence Vendor-08/25/2025 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-09/08/2025 | Months Reserves exceed minimum required - Months reserves required is 0; qualifying reserves is 21.72 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680; qualifying FICO is 749. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 844882 | xxxxxx D B A | Closed | xxxxxx | 2025-08-21 14:41 | 2025-08-26 16:43 | Resolved | 1 - Information B A | Compliance | State Reg | xxxxxx Subprime Loan Test | Resolved-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR APR on subject loan of 9.267% within allowable threshold of APOR of 6.75% + 3.75%, or 10.5%. Compliant SubPrime Loan. - Due Diligence Vendor-08/29/2025 <br> Open-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR APR on subject loan of 9.267% within allowable threshold of APOR of 6.75% + 3.75%, or 10.5%. Compliant SubPrime Loan. - Due Diligence Vendor-08/21/2025 |  | Resolved-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR APR on subject loan of 9.267% within allowable threshold of APOR of 6.75% + 3.75%, or 10.5%. Compliant SubPrime Loan. - Due Diligence Vendor-08/29/2025 | Months Reserves exceed minimum required - Months reserves required is 0; qualifying reserves is 21.72 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680; qualifying FICO is 749. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 844882 | xxxxxx D B A | Closed | xxxxxx | 2025-08-21 13:53 | 2025-08-21 13:53 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-08/21/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-08/21/2025 | Months Reserves exceed minimum required - Months reserves required is 0; qualifying reserves is 21.72 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680; qualifying FICO is 749. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 844894 | xxxxxx D A | Closed | xxxxxx | 2025-09-05 16:00 | 2025-09-12 10:55 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received Complete Business Purpose Affidavit. - Due Diligence Vendor-09/12/2025 <br> Counter-Business purpose affidavit is incomplete. The box was not initialed. - Due Diligence Vendor-09/11/2025 <br> Open-The Business Purpose Affidavit Disclosure is Missing - Due Diligence Vendor-09/05/2025 |  | Resolved-Received Complete Business Purpose Affidavit. - Due Diligence Vendor-09/12/2025 | DSCR % greater than 1.20 - DSCR is 1.23.<br>Months Reserves exceed minimum required - 8..43 months reserves; 2 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 844936 | xxxxxx C A | Closed | xxxxxx | 2025-08-29 09:51 | 2025-09-08 13:49 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received a full 12 month history. - Due Diligence Vendor-09/08/2025 <br> Ready for Review-Document Uploaded. Please see VOM showing reviewed for 12 months with opening balance of xxxxxx. This was included in the original submission. - Seller-09/05/2025 <br> Open-Housing History Does Not Meet Guideline Requirements The file contains credit report and credit supplement pages 74, 78 and 145 reflecting the 8 months housing payment history for the existing mortgage with xxxxxx that was opened on xxxxxx. The property profile page 105 reflects that the borrower acquired the subject property on xxxxxx and incurred a mortgage for xxxxxx. Provide a VOM for the previous mortgage for xxxxxx. - Due Diligence Vendor-08/29/2025 | Ready for Review-Document Uploaded. Please see VOM showing reviewed for 12 months with opening balance of xxxxxx. This was included in the original submission. - Seller-09/05/2025 | Resolved-Received a full 12 month history. - Due Diligence Vendor-09/08/2025 | Qualifying DTI below maximum allowed - DTI is 27.17%. Guideline max is 50%.<br>Months Reserves exceed minimum required - Borrower has 2.87 months reserves. Guidelines require 0. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 844936 | xxxxxx C A | Closed | xxxxxx | 2025-08-28 09:27 | 2025-09-03 10:52 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received e-consent form showing borrower consented to receive documents electronically on xxxxxx, prior to these disclosures. Finding resolved. - Due Diligence Vendor-09/03/2025 <br> Ready for Review-Document Uploaded. Please see E-Consent. - Seller-08/29/2025 <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 $750.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----COC in file for increase in Broker Fee of $750.00 due to change in loan amount. Please provide proof of receipt by borrower for LE dated xxxxxx and CD dated xxxxxx. . Additional findings may apply. - Due Diligence Vendor-08/28/2025 | Ready for Review-Document Uploaded. Please see E-Consent. - Seller-08/29/2025 | Resolved-Received e-consent form showing borrower consented to receive documents electronically on xxxxxx, prior to these disclosures. Finding resolved. - Due Diligence Vendor-09/03/2025 | Qualifying DTI below maximum allowed - DTI is 27.17%. Guideline max is 50%.<br>Months Reserves exceed minimum required - Borrower has 2.87 months reserves. Guidelines require 0. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 844939 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 845003 | xxxxxx C B A | Closed | xxxxxx | 2025-08-28 12:10 | 2025-09-10 12:11 | Waived | 2 - Non-Material C B | Credit | Insurance | HO6 Insurance Policy Effective Date is after the Note Date | Waived-The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-09/10/2025 <br> Open-HO-6 Insurance Policy Effective Date of xxxxxx is after the Note Date of xxxxxx Disbursement date xxxxxx - Due Diligence Vendor-08/28/2025 |  | Waived-The request for an exception to xxxxxx eligibility criteria is granted. - Due Diligence Vendor-09/10/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min 700, actual 800<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Min $3,500, actual $7,596.45<br>Months Reserves exceed minimum required - Min 6, actual 31.20<br>LTV is less than guideline maximum - Max 85%, actual 75% | Compensating Factor 1 - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines / Compensating Factor 2 - Credit Score 30+ points > minimum required / Compensating Factor 3 - Reserves exceed requirement by 10 months or more<br> PCI report provided, no damages. | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 845003 | xxxxxx C B A | Closed | xxxxxx | 2025-08-28 12:23 | 2025-09-02 10:08 | Waived | 2 - Non-Material C B | Credit | Eligibility | Condo project has pending litigation | Waived-Client has an approved variance letter for this litigation, lawsuit does not relate to the building's safety, structural or functionality and is covered by insurance. litigation does not impact subject unit or borrower. Exception granted in file. - Due Diligence Vendor-10/14/2025 <br> Open-1) Case #1 involves an allegation that the plaintiff tripped and fell while walking in the common area walkway due to "alleged" uneven pavement (see pg. 865). The lawsuit is against the HOA, it is Minor, and the lawsuit does not relate to the building's safety, structural or functionality. There was no amount disclosed in the lawsuit, and the lawsuit is covered by insurance (page 858). 2) Case #2 involves an allegation that the plaintiff tripped and fell off the bus provided by the community be because the driver failed to extend the ramp. (P871) The lawsuit is against the HOA, it is Minor, and the lawsuit does not relate to the building's safety, structural or functionality. There was no amount disclosed in the lawsuit, and the lawsuit is covered by insurance (page 911, 913). 3) Case #3 involves several allegations surrounding a wrongful termination of lease and occupancy of a rental unit. (see pg. 914). The lawsuit is against the HOA, it is Minor, and the lawsuit does not relate to the building's safety, structural or functionality. There was no amount disclosed in the lawsuit, and the lawsuit is covered by insurance (page 915). - Due Diligence Vendor-08/28/2025 |  | Waived-Client has an approved variance letter for this litigation, lawsuit does not relate to the building's safety, structural or functionality and is covered by insurance. litigation does not impact subject unit or borrower. Exception granted in file. - Due Diligence Vendor-10/14/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min 700, actual 800<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Min $3,500, actual $7,596.45<br>Months Reserves exceed minimum required - Min 6, actual 31.20<br>LTV is less than guideline maximum - Max 85%, actual 75% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 845003 | xxxxxx C B A | Closed | xxxxxx | 2025-08-28 12:27 | 2025-09-02 10:04 | Waived | 2 - Non-Material C B | Credit | Eligibility | Condo does not meet requirements | Waived-Client has an approved variance letter. Exception granted in file. Borrower carries separate insurance policy in addition to master policy. - Due Diligence Vendor-10/14/2025 <br> Open-xxxxxx project does not meet minimum insurance requirements. Investor has an approved variance letter. Exception granted in file. - Due Diligence Vendor-08/28/2025 |  | Waived-Client has an approved variance letter. Exception granted in file. Borrower carries separate insurance policy in addition to master policy. - Due Diligence Vendor-10/14/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min 700, actual 800<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Min $3,500, actual $7,596.45<br>Months Reserves exceed minimum required - Min 6, actual 31.20<br>LTV is less than guideline maximum - Max 85%, actual 75% | Credit score 10+> minimum required<br> 39% DTI (50%)<br> Reserves exceed 2 or more months (106) 6 months<br> residual income more than 1.5% amount required $7,729.97 $2,750 | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 845161 | xxxxxx C A | Closed | xxxxxx | 2025-08-19 11:26 | 2025-09-05 08:04 | Resolved | 1 - Information C A | Compliance | TRID | Final CD: Escrowed Property Costs over Year 1 description is missing or inaccurate | Resolved-Received PCCD with letter to borrower dated xxxxxx correcting monthly escrow amount. Finding Resolved. - Due Diligence Vendor-09/05/2025 <br> Open------Final CD calculation is incorrect. Cost over 1 year is $9614.64, monthly escrow is $334.45. The yearly escrow should be $4013.40 - Due Diligence Vendor-08/19/2025 |  | Resolved-Received PCCD with letter to borrower dated xxxxxx correcting monthly escrow amount. Finding Resolved. - Due Diligence Vendor-09/05/2025 | Months Reserves exceed minimum required - Verified assets of 127.17 months exceeds the minimum required of 6 months<br>Qualifying DTI below maximum allowed - DTI of 43.62% is less than the maximum allowed per guidelines of 50% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845169 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 845170 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 845207 | xxxxxx D B A | Closed | xxxxxx | 2025-09-19 10:37 | 2025-09-29 12:31 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received missing credit documentation. - Due Diligence Vendor-09/29/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing docs for pending sale property. DTI not yet finalized - Due Diligence Vendor-09/19/2025 |  | Resolved-Received missing credit documentation. - Due Diligence Vendor-09/29/2025 | Months Reserves exceed minimum required - > 20 months available vs. 3 months required<br>LTV is less than guideline maximum - 74.79% vs. 80% LTV max |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845207 | xxxxxx D B A | Closed | xxxxxx | 2025-09-18 09:32 | 2025-09-29 12:29 | Resolved | 1 - Information C A | Credit | Income/Employment | Income 3 Months Income Verified is Missing | Resolved-Received Settlement statement and LOE regarding the address. - Due Diligence Vendor-09/29/2025 <br> Counter-Received final settlement statement for property xxxxxx--does not match address noted as pending sale on application. Please note settlement statement sale date was xxxxxx-review did not received confirmation same property as noted pending sale on final 1003. - Due Diligence Vendor-09/26/2025 <br> Counter-Received final settlement statement for property xxxxxx--does not match address noted as pending sale on application. Please note settlement statement sale date was xxxxxx - Due Diligence Vendor-09/25/2025 <br> Open-Income 3 Months Income Verified is Missing REO prior primary is marked "pending sale" and no loss was counted in the DTI. Provide documentation to support the sale. If transaction did not close prior to the subject transaction, provide the PITIA, which will need to be included in the DTI. Please note that the DTI is not yet finalized and additional information and/or documentation may be required. - Due Diligence Vendor-09/18/2025 |  | Resolved-Received Settlement statement and LOE regarding the address. - Due Diligence Vendor-09/29/2025 | Months Reserves exceed minimum required - > 20 months available vs. 3 months required<br>LTV is less than guideline maximum - 74.79% vs. 80% LTV max |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845207 | xxxxxx D B A | Closed | xxxxxx | 2025-09-19 10:23 | 2025-09-25 11:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received back of perm resident card for B2. - Due Diligence Vendor-09/25/2025 <br> Open-Borrower Citizenship Documentation Is Missing Missing copy of the back of Borrower 2's Permanent Resident Card<br> - Due Diligence Vendor-09/19/2025 |  | Resolved-Received back of perm resident card for B2. - Due Diligence Vendor-09/25/2025 | Months Reserves exceed minimum required - > 20 months available vs. 3 months required<br>LTV is less than guideline maximum - 74.79% vs. 80% LTV max |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845207 | xxxxxx D B A | Closed | xxxxxx | 2025-09-16 14:15 | 2025-09-16 14:17 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material findings. - Due Diligence Vendor-09/16/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material findings. - Due Diligence Vendor-09/16/2025 | Months Reserves exceed minimum required - > 20 months available vs. 3 months required<br>LTV is less than guideline maximum - 74.79% vs. 80% LTV max |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 845265 | xxxxxx C A | Closed | xxxxxx | 2025-08-28 17:08 | 2025-10-14 11:18 | Resolved | 1 - Information C A | Credit | Eligibility | Condo Project Warrantable is Unable to Determine | Resolved-Received updated questionnaire. - Due Diligence Vendor-09/11/2025 <br> Open-The condo questionnaire does not contain the number of units rented, unknown on the days of delinquency or single entity ownership. - Due Diligence Vendor-08/28/2025 |  | Resolved-Received updated questionnaire. - Due Diligence Vendor-09/11/2025 | Qualifying FICO score is at least 20 points above minimum for program - FICO = 754 Min FICO = 680<br>Months Reserves exceed minimum required - Reserves = 9.7 months – Required Reserves = 6 Months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 845265 | xxxxxx C A | Closed | xxxxxx | 2025-08-28 16:12 | 2025-09-11 12:12 | Resolved | 1 - Information C A | Credit | Eligibility | Condo Structural Reports not in file | Resolved-Received Structural Report. - Due Diligence Vendor-09/03/2025 <br> Open-The file does not contain the required xxxxxx structural engineer report per state law. - Due Diligence Vendor-08/28/2025 |  | Resolved-Received Structural Report. - Due Diligence Vendor-09/03/2025 | Qualifying FICO score is at least 20 points above minimum for program - FICO = 754 Min FICO = 680<br>Months Reserves exceed minimum required - Reserves = 9.7 months – Required Reserves = 6 Months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 845266 | xxxxxx D A C | Closed | xxxxxx | 2025-08-29 16:38 | 2025-09-04 10:37 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-09/04/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. There are $331 in new debts that were identified on the gap report but not reflected on the 1008 or the 1003. It appears the debts with xxxxxx $291 and xxxxxx $30 were left out of the DTI. When included the DTI increases to over 50%. - Due Diligence Vendor-08/29/2025 |  | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-09/04/2025 | Verified employment history exceeds guidelines - 7 years same employer<br>On time mortgage history exceeds guideline requirement - 12 months required, subject 56 months paid as agreed mortgage history. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 845266 | xxxxxx D A C | Closed | xxxxxx | 2025-08-29 16:33 | 2025-09-04 10:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Executed 4506-T/4506-C is Missing | Resolved-Received 2 year 4506 C - Due Diligence Vendor-09/04/2025 <br> Open-Borrower 1 Executed 4506-T/4506-C is Missing Missing year of 2023 to complete two years. - Due Diligence Vendor-08/29/2025 |  | Resolved-Received 2 year 4506 C - Due Diligence Vendor-09/04/2025 | Verified employment history exceeds guidelines - 7 years same employer<br>On time mortgage history exceeds guideline requirement - 12 months required, subject 56 months paid as agreed mortgage history. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 845266 | xxxxxx D A C | Closed | xxxxxx | 2025-08-27 15:10 | 2025-09-04 10:35 | Resolved | 1 - Information B A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Received confirmation xxxxxx revolving is already considered in liabilities and not new. - Due Diligence Vendor-09/04/2025 <br> Open-Audited DTI of 50.61% exceeds Guideline DTI of 50% There are $331 in new debts that were identified on the gap report but not reflected on the 1008 or the 1003. It appears the debts with xxxxxx $291 and xxxxxx $30 were left out of the DTI. When included the DTI increases to over 50%. - Due Diligence Vendor-08/27/2025 |  | Resolved-Received confirmation xxxxxx revolving is already considered in liabilities and not new. - Due Diligence Vendor-09/04/2025 | Verified employment history exceeds guidelines - 7 years same employer<br>On time mortgage history exceeds guideline requirement - 12 months required, subject 56 months paid as agreed mortgage history. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 845266 | xxxxxx D A C | Closed | xxxxxx | 2025-08-27 13:51 | 2025-09-04 10:27 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Received current HOI policy along with renewal. - Due Diligence Vendor-09/04/2025 <br> Open-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx Disbursement is xxxxxx meaning verification of insurance was not identified in the file for the 7 days from xxxxxx. - Due Diligence Vendor-08/27/2025 |  | Resolved-Received current HOI policy along with renewal. - Due Diligence Vendor-09/04/2025 | Verified employment history exceeds guidelines - 7 years same employer<br>On time mortgage history exceeds guideline requirement - 12 months required, subject 56 months paid as agreed mortgage history. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 845266 | xxxxxx D A C | Closed | xxxxxx | 2025-08-25 17:05 | 2025-09-03 16:35 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Rec'd PCCD issued xxxxxx. Finding resolved. - Due Diligence Vendor-09/03/2025 <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. - Due Diligence Vendor-08/25/2025 |  | Resolved-Rec'd PCCD issued xxxxxx. Finding resolved. - Due Diligence Vendor-09/03/2025 | Verified employment history exceeds guidelines - 7 years same employer<br>On time mortgage history exceeds guideline requirement - 12 months required, subject 56 months paid as agreed mortgage history. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 845267 | xxxxxx C B A | Closed | xxxxxx | 2025-08-22 17:01 | 2025-09-03 16:37 | Resolved | 1 - Information C A | Compliance | Right to Rescind | Non-Borrower Title Holder Did Not Receive Right of Rescission Form | Resolved-Rec'd executed Non-Borrower Right of Rescission Form. Finding resolved. - Due Diligence Vendor-09/03/2025 <br> Open-Non-Borrower Title Holder Did Not Receive Right of Rescission Form ROR to be executed by all title holders, spousal signature is missing. - Due Diligence Vendor-08/27/2025 |  | Resolved-Rec'd executed Non-Borrower Right of Rescission Form. Finding resolved. - Due Diligence Vendor-09/03/2025 | CLTV is less than guidelines maximum - 75% CLTV, program allows 85%<br>Qualifying FICO score is at least 20 points above minimum for program - 706 FICOI, 680 required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 845267 | xxxxxx C B A | Closed | xxxxxx | 2025-08-22 17:01 | 2025-08-22 17:01 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material findings. - Due Diligence Vendor-08/22/2025 |  | Waived-Required Affiliated Business Disclosure Missing ----- Client waiver applied to non-material findings. - Due Diligence Vendor-08/22/2025 | CLTV is less than guidelines maximum - 75% CLTV, program allows 85%<br>Qualifying FICO score is at least 20 points above minimum for program - 706 FICOI, 680 required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 845268 | xxxxxx D B A | Closed | xxxxxx | 2025-09-12 08:38 | 2025-09-29 11:01 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received Mortgage Statement. - Due Diligence Vendor-09/29/2025 <br> Counter-Received Rent Free Letter for xxxxxx. Please provide the August Payment for the subject property. - Due Diligence Vendor-09/26/2025 <br> Counter-Loan might have been Clear to Close on xxxxxx, however closing was on xxxxxx. August payment required. - Due Diligence Vendor-09/24/2025 <br> Counter-Client comments - We do not need the August payment proof since the file was CTD on xxxxxx and the note date is xxxxxx. - AUDIT RESPONSE- July payment was located in the loan file, however Aug payment was not located. - Due Diligence Vendor-09/22/2025 <br> Open-Housing History Does Not Meet Guideline Requirements- Missing August payment being made for xxxxxx and xxxxxx for primary residence. - Due Diligence Vendor-09/12/2025 |  | Resolved-Received Mortgage Statement. - Due Diligence Vendor-09/29/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 705; minimum score 680.<br>Months Reserves exceed minimum required - 41.44 months PITIA reserves; 0 months reserves required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 845268 | xxxxxx D B A | Closed | xxxxxx | 2025-09-12 08:38 | 2025-09-29 11:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received B1 Gap Report. - Due Diligence Vendor-09/22/2025 <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-09/12/2025 |  | Resolved-Received B1 Gap Report. - Due Diligence Vendor-09/22/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 705; minimum score 680.<br>Months Reserves exceed minimum required - 41.44 months PITIA reserves; 0 months reserves required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 845268 | xxxxxx D B A | Closed | xxxxxx | 2025-09-12 08:38 | 2025-09-29 11:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Received B2 Gap report. - Due Diligence Vendor-09/22/2025 <br> Open-Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-09/12/2025 |  | Resolved-Received B2 Gap report. - Due Diligence Vendor-09/22/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 705; minimum score 680.<br>Months Reserves exceed minimum required - 41.44 months PITIA reserves; 0 months reserves required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 845268 | xxxxxx D B A | Closed | xxxxxx | 2025-09-12 08:38 | 2025-09-29 11:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 3 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-09/24/2025 <br> Counter-Gap reports for B1 and B2 provided. Please provide the Gap Report for B3 - Due Diligence Vendor-09/22/2025 <br> Open-Borrower 3 Gap Credit Report is Missing - Due Diligence Vendor-09/12/2025 |  | Resolved-Received Gap Report. - Due Diligence Vendor-09/24/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 705; minimum score 680.<br>Months Reserves exceed minimum required - 41.44 months PITIA reserves; 0 months reserves required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 845268 | xxxxxx D B A | Closed | xxxxxx | 2025-09-12 08:52 | 2025-09-29 11:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Resolved-Received Rent Free Letter - Due Diligence Vendor-09/29/2025 <br> Counter-LOE from the borrower provided. Please provide Rent free letter from the Property Owners. - Due Diligence Vendor-09/22/2025 <br> Open-Missing living rent free from b3. - Due Diligence Vendor-09/12/2025 |  | Resolved-Received Rent Free Letter - Due Diligence Vendor-09/29/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 705; minimum score 680.<br>Months Reserves exceed minimum required - 41.44 months PITIA reserves; 0 months reserves required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 845268 | xxxxxx D B A | Closed | xxxxxx | 2025-09-12 07:47 | 2025-09-24 16:23 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Borrower 2 CPA Letter Missing | Waived-Client waiver applied to non-material finding with compensating factors. Exception to accept personal bank statements in lieu of business bank statements. - Due Diligence Vendor-09/24/2025 <br> Counter-Bank Statements provided are Joint and personal. Please provide the business bank statements for b2. - Due Diligence Vendor-09/24/2025 <br> Counter-Unable to locate the guidelines provided. Review used 2nd lien xxxxxx Guidelines dated 04/21/2025 - Due Diligence Vendor-09/22/2025 <br> Open-Borrower 2 CPA Letter Missing- Missing CPA ltr for b2 xxxxxx .<br> Provided was vvoe by lender pdf 292. - Due Diligence Vendor-09/12/2025 |  | Waived-Client waiver applied to non-material finding with compensating factors. Exception to accept personal bank statements in lieu of business bank statements. - Due Diligence Vendor-09/24/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 705; minimum score 680.<br>Months Reserves exceed minimum required - 41.44 months PITIA reserves; 0 months reserves required. | 705 fico<br> 41 months of reserves. | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 845268 | xxxxxx D B A | Closed | xxxxxx | 2025-09-18 14:22 | 2025-09-24 11:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Executed 4506-T/4506-C is Missing | Resolved-Received Borrower 1 Executed 4506-T/4506-C - Due Diligence Vendor-09/24/2025 <br> Open-Borrower 1 Executed 4506-T/4506-C is Missing Loan is 2-Year Full Doc but 4506-C is only for 1 Year - 2024. File is missing 4506-C for 2023. - Due Diligence Vendor-09/18/2025 |  | Resolved-Received Borrower 1 Executed 4506-T/4506-C - Due Diligence Vendor-09/24/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 705; minimum score 680.<br>Months Reserves exceed minimum required - 41.44 months PITIA reserves; 0 months reserves required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 845268 | xxxxxx D B A | Closed | xxxxxx | 2025-09-18 14:22 | 2025-09-24 11:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Executed 4506-T/4506-C is Missing | Resolved-Received Borrower 2 Executed 4506-T/4506-C - Due Diligence Vendor-09/24/2025 <br> Open-Borrower 2 Executed 4506-T/4506-C is Missing Loan is 2-Year Full Doc but 4506-C is only for 1 Year - 2024. File is missing 4506-C for 2023. - Due Diligence Vendor-09/18/2025 |  | Resolved-Received Borrower 2 Executed 4506-T/4506-C - Due Diligence Vendor-09/24/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 705; minimum score 680.<br>Months Reserves exceed minimum required - 41.44 months PITIA reserves; 0 months reserves required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 845268 | xxxxxx D B A | Closed | xxxxxx | 2025-09-18 14:22 | 2025-09-24 11:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 3 Executed 4506-T/4506-C is Missing | Resolved-Received Borrower 3 Executed 4506-T/4506-C - Due Diligence Vendor-09/24/2025 <br> Open-Borrower 3 Executed 4506-T/4506-C is Missing Loan is 2-Year Full Doc but 4506-C is only for 1 Year - 2024. File is missing 4506-C for 2023. - Due Diligence Vendor-09/18/2025 |  | Resolved-Received Borrower 3 Executed 4506-T/4506-C - Due Diligence Vendor-09/24/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 705; minimum score 680.<br>Months Reserves exceed minimum required - 41.44 months PITIA reserves; 0 months reserves required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 845268 | xxxxxx D B A | Closed | xxxxxx | 2025-09-12 07:55 | 2025-09-24 11:07 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received Supplement w/sufficient coverage. - Due Diligence Vendor-09/24/2025 <br> Open-Insufficient Title Coverage. Amount of coverage is less than the Loan Amount.- insured amount is xxxxxx and it should be for xxxxxx. - Due Diligence Vendor-09/12/2025 |  | Resolved-Received Supplement w/sufficient coverage. - Due Diligence Vendor-09/24/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 705; minimum score 680.<br>Months Reserves exceed minimum required - 41.44 months PITIA reserves; 0 months reserves required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 845268 | xxxxxx D B A | Closed | xxxxxx | 2025-09-11 12:43 | 2025-09-11 12:43 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-09/11/2025 |  | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-09/11/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 705; minimum score 680.<br>Months Reserves exceed minimum required - 41.44 months PITIA reserves; 0 months reserves required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 845287 | xxxxxx D A | Closed | xxxxxx | 2025-08-26 16:08 | 2025-09-05 11:47 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received Desk Review. Value supported. - Due Diligence Vendor-09/05/2025 |  | Resolved-Received Desk Review. Value supported. - Due Diligence Vendor-09/05/2025 | LTV is less than guideline maximum - LTV = 65% - Max LTV = 70%<br>Months Reserves exceed minimum required - Reserves = 98.91 months – Required Reserves = 9 Months |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 845379 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 845426 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 845436 | xxxxxx C B A | Closed | xxxxxx | 2025-08-28 13:50 | 2025-09-02 16:50 | Resolved | 1 - Information C A | Compliance | TRID | TRID: CD not delivered at least 3 days prior to consummation | Resolved-Received COC and CD dated xxxxxx. - Due Diligence Vendor-09/02/2025 <br> Ready for Review-Document Uploaded. - Seller-09/02/2025 <br> Open-Missing initial CD acknowledged by borrower a minimum of 3 days prior to consummation. Additional findings may apply upon receipt. Statute of Limitations 3 years- Expiration date is xxxxxx.<br> - Due Diligence Vendor-08/28/2025 | Ready for Review-Document Uploaded. - Seller-09/02/2025<br>| Resolved-Received COC and CD dated xxxxxx. - Due Diligence Vendor-09/02/2025 | Long term residence - Borrowers long term residence over 20 yrs.<br>Qualifying DTI below maximum allowed - 35.77% DTI below max allowable of 50% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 845436 | xxxxxx C B A | Closed | xxxxxx | 2025-09-02 10:51 | 2025-09-02 13:23 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-09/02/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Lender exception in file - working on a 2nd lien for xxxxxx, owner occupied, single family in<br> xxxxxx, 740 fico, xxxxxx 12-month BBS, first mortgage 0 x 30, paying off xxxxxx<br> improvement loan, which is backed by housing program backed by xxxxxx County in xxxxxx. The program<br> allows homeowners to secure renovation loans with xxxxxx for 24 months; homeowner is<br> responsible for principal and xxxxxx County will pay interest for 24 months. We have a 2nd lien being paid<br> off which originated xxxxxx and matured as of xxxxxx . The lender upon maturity will no longer accept<br> payments, we have an email with program explanation from xxxxxx County, verification of mortgage from<br> xxxxxx which reads 0 x 30, no additional payments required, interest will be added to the pay off<br> and pay off letter showing interest due. We are paying off a home improvement loan which has matured as of<br> xxxxxx , interest on pay off for payments June, July and August however, xxxxxx verified mortgage 0 x<br> 30, no payments required until loan is paid in full. Does xxxxxx have your blessing to proceed without<br> exception? xxxxxx program explanation, attached email as well as program details and comment from<br> xxxxxx on VOM. Pay off letter below and attached showing interest. - Due Diligence Vendor-09/02/2025 |  | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-09/02/2025 | Long term residence - Borrowers long term residence over 20 yrs.<br>Qualifying DTI below maximum allowed - 35.77% DTI below max allowable of 50% | credit score 740 ; self employed 21 yrs borrowers have owned property since xxxxxx borrower refinancing to pay off matured 2nd and debt. | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 845436 | xxxxxx C B A | Closed | xxxxxx | 2025-08-28 13:28 | 2025-08-28 13:28 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-08/28/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-08/28/2025 | Long term residence - Borrowers long term residence over 20 yrs.<br>Qualifying DTI below maximum allowed - 35.77% DTI below max allowable of 50% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx |
| 845445 | xxxxxx C A | Closed | xxxxxx | 2025-10-01 15:27 | 2025-10-06 17:26 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Upon further review, no further documentation is needed or required. There was no lender credit on any disclosure. - Due Diligence Vendor-10/06/2025 <br> Ready for Review-Document Uploaded. SYSTEM GLITCH. THERE WAS NO TOLERANCE VIOLATION. - Seller-10/04/2025 <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 ($0.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($607.71). 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 $607.71 to $0.00 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $607.71, 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 xxxxxx.<br> - Due Diligence Vendor-10/01/2025 | Ready for Review-Document Uploaded. SYSTEM GLITCH. THERE WAS NO TOLERANCE VIOLATION. - Seller-10/04/2025 | Resolved-Upon further review, no further documentation is needed or required. There was no lender credit on any disclosure. - Due Diligence Vendor-10/06/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying score fico 755; minimum score 680<br>Months Reserves exceed minimum required - 24.67 months PITIA reserves; 9 months reserves required. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845451 | xxxxxx D A | Closed | xxxxxx | 2025-08-04 08:38 | 2025-08-11 16:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Received supplemental report w/sufficient coverage. - Due Diligence Vendor-08/11/2025 <br> Ready for Review-Document Uploaded. please see attached title supplement - Seller-08/07/2025 <br> Open-Title Document is Incomplete <br> Title supplement not in file to document loan and insurance amount.<br> - Due Diligence Vendor-08/04/2025 | Ready for Review-Document Uploaded. please see attached title supplement - Seller-08/07/2025<br>| Resolved-Received supplemental report w/sufficient coverage. - Due Diligence Vendor-08/11/2025 | Credit history exceeds minimum required - Credit History = 301 Months Minimum Credit History = 24 Months<br>Months Reserves exceed minimum required - Total qualifying 6 months reserves; 4 months reserves required |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845451 | xxxxxx D A | Closed | xxxxxx | 2025-08-04 09:17 | 2025-08-11 16:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Borrower 1 Gap Credit Report. - Due Diligence Vendor-10/14/2025 <br> Ready for Review-Document Uploaded. xxxxxx attached - Seller-08/07/2025 <br> Open-Borrower 1 Gap Credit Report is Missing • File missing GAP report and Fraud Report did not provide UDM Undisclosed Debt Monitoring. - Due Diligence Vendor-08/04/2025 | Ready for Review-Document Uploaded. xxxxxx attached - Seller-08/07/2025 | Resolved-Received Borrower 1 Gap Credit Report. - Due Diligence Vendor-10/14/2025 | Credit history exceeds minimum required - Credit History = 301 Months Minimum Credit History = 24 Months<br>Months Reserves exceed minimum required - Total qualifying 6 months reserves; 4 months reserves required |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845451 | xxxxxx D A | Closed | xxxxxx | 2025-07-31 15:11 | 2025-08-11 09:21 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Received Initial 1003 dated by originator on xxxxxx. Application date confirmed, finding resolved. - Due Diligence Vendor-08/11/2025 <br> Ready for Review-Document Uploaded. please see attached original initial 1003 - Seller-08/07/2025 <br> Open-The Initial 1003 is Missing Initial 1003 in file is dated xxxxxx. Initial LE is dated xxxxxx. Initial Application Date cannot occur after the issuance of Initial LE, please clarify true Application Date. - Due Diligence Vendor-07/31/2025 | Ready for Review-Document Uploaded. please see attached original initial 1003 - Seller-08/07/2025 | Resolved-Received Initial 1003 dated by originator on xxxxxx. Application date confirmed, finding resolved. - Due Diligence Vendor-08/11/2025 | Credit history exceeds minimum required - Credit History = 301 Months Minimum Credit History = 24 Months<br>Months Reserves exceed minimum required - Total qualifying 6 months reserves; 4 months reserves required |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845453 | xxxxxx D A | Closed | xxxxxx | 2025-08-07 12:57 | 2025-09-02 14:38 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Received CPA letter confirming borrower is 100% owner of business entity on assets. - Due Diligence Vendor-09/02/2025 <br> Ready for Review-Document Uploaded. Please find the attached CPA letter - Seller-08/28/2025 <br> Counter-Documentation provided does not confirm the % of ownership - Due Diligence Vendor-08/20/2025 <br> Ready for Review-It's not a same document. Please review again. The total number of shares the corporation is authorized to issue is:<br> 100,000 - Seller-08/18/2025 <br> Counter-Received duplicate State of xxxxxx Statement of Information-please provide Operating Agreement or Tax Preparer letter confirming ownership percentage. - Due Diligence Vendor-08/18/2025 <br> Ready for Review-Document Uploaded. Please find the attached. - Seller-08/15/2025 <br> Counter-Received state of information from State-please provide tax preparer letter or Operating Agreement confirming borrower is 100% owner of business to confirm access to funds.. - Due Diligence Vendor-08/11/2025 <br> Ready for Review-Document Uploaded. Please find the attached. - Seller-08/08/2025 <br> Open-Asset Record 2 Does Not Meet G/L Requirements Missing evidence that borrower is an owner of the account ending in #9230 as account is in the name of the business of xxxxxx - Due Diligence Vendor-08/07/2025 | Ready for Review-Document Uploaded. Please find the attached CPA letter - Seller-08/28/2025 <br> Ready for Review-It's not a same document. Please review again. The total number of shares the corporation is authorized to issue is:<br> 100,000 - Seller-08/18/2025 <br> Ready for Review-Document Uploaded. Please find the attached. - Seller-08/15/2025 <br> Ready for Review-Document Uploaded. Please find the attached. - Seller-08/08/2025 | Resolved-Received CPA letter confirming borrower is 100% owner of business entity on assets. - Due Diligence Vendor-09/02/2025 | Qualifying DTI below maximum allowed - • Qualifying DTI 37.99% less max allowable 49.99<br>Qualifying FICO score is at least 20 points above minimum for program - • Qualifying FICO 737 guidelines require 680 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845453 | xxxxxx D A | Closed | xxxxxx | 2025-08-05 11:54 | 2025-08-11 16:18 | Resolved | 1 - Information D A | Credit | Eligibility | Second Appraisal is Missing | Resolved-Received desk review. - Due Diligence Vendor-08/11/2025 <br> Ready for Review-Document Uploaded. Please find the attached. - Seller-08/07/2025 <br> Open-Missing desk review from approved vendor per 14.10 - Due Diligence Vendor-08/07/2025 | Ready for Review-Document Uploaded. Please find the attached. - Seller-08/07/2025 | Resolved-Received desk review. - Due Diligence Vendor-08/11/2025 | Qualifying DTI below maximum allowed - • Qualifying DTI 37.99% less max allowable 49.99<br>Qualifying FICO score is at least 20 points above minimum for program - • Qualifying FICO 737 guidelines require 680 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845453 | xxxxxx D A | Closed | xxxxxx | 2025-08-05 10:52 | 2025-08-11 16:15 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Received appraisal. - Due Diligence Vendor-08/11/2025 <br> Ready for Review-Document Uploaded. Please find the attached. - Seller-08/07/2025 <br> Open-Appraisal is Missing Appraisal is not in file. - Due Diligence Vendor-08/05/2025 | Ready for Review-Document Uploaded. Please find the attached. - Seller-08/07/2025 | Resolved-Received appraisal. - Due Diligence Vendor-08/11/2025 | Qualifying DTI below maximum allowed - • Qualifying DTI 37.99% less max allowable 49.99<br>Qualifying FICO score is at least 20 points above minimum for program - • Qualifying FICO 737 guidelines require 680 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845463 | xxxxxx C A | Closed | xxxxxx | 2025-09-02 13:06 | 2025-09-10 15:10 | Resolved | 1 - Information C A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Received 1004d confirming inspection of Unit xxxxxx completed. - Due Diligence Vendor-09/10/2025 <br> Ready for Review-Document Uploaded. - Seller-09/08/2025 <br> Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not Present - Due Diligence Vendor-09/02/2025 | Ready for Review-Document Uploaded. - Seller-09/08/2025 | Resolved-Received 1004d confirming inspection of Unit xxxxxx completed. - Due Diligence Vendor-09/10/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 691; guidelines require 660. <br>Months Reserves exceed minimum required - 31.3 months reserves; 2 months reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 845465 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 845471 | xxxxxx C A | Closed | xxxxxx | 2025-09-11 06:42 | 2025-09-15 17:40 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received Judgement Affidavit. - Due Diligence Vendor-09/15/2025 <br> Ready for Review-Document Uploaded. Please see attached the Judgement Affidavit - Seller-09/11/2025 <br> Open-Property Title Issue- schedule B1 #6-Judgment in favor of xxxxxx, against xxxxxx, recorded xxxxxx, in case #: xxxxxx among the land records of xxxxxx County, xxxxxx, in the amount of xxxxxx plus Penalty/Interest and Attorney's fees, if any.<br> provided updated clear title. - Due Diligence Vendor-09/11/2025 | Ready for Review-Document Uploaded. Please see attached the Judgement Affidavit - Seller-09/11/2025 | Resolved-Received Judgement Affidavit. - Due Diligence Vendor-09/15/2025 | Months Reserves exceed minimum required - 31.95 months PITIA reserves; 2 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying Score 817; minimum score 680. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845471 | xxxxxx C A | Closed | xxxxxx | 2025-09-09 13:57 | 2025-09-15 17:40 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Legal. - Due Diligence Vendor-09/15/2025 <br> Ready for Review-Document Uploaded. Please see attached the EXHIBIT "A" legal description. - Seller-09/11/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing legal description in mortgage chain. - Due Diligence Vendor-09/09/2025 | Ready for Review-Document Uploaded. Please see attached the EXHIBIT "A" legal description. - Seller-09/11/2025 | Resolved-Received Legal. - Due Diligence Vendor-09/15/2025 | Months Reserves exceed minimum required - 31.95 months PITIA reserves; 2 months reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying Score 817; minimum score 680. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845473 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 845492 | xxxxxx C B A | Closed | xxxxxx | 2025-09-25 12:11 | 2025-09-26 10:46 | Resolved | 1 - Information C A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-Updated appraisal with xxxxxx photos provided. - Due Diligence Vendor-09/26/2025 <br> Ready for Review-Document Uploaded. - Buyer-09/26/2025 <br> Open-The appraisal is missing pictures of the xxxxxx. - Due Diligence Vendor-09/25/2025 |  | Resolved-Updated appraisal with xxxxxx photos provided. - Due Diligence Vendor-09/26/2025 | Qualifying DTI below maximum allowed - DTI = 35.82% - Max DTI = 50%<br>On time mortgage history exceeds guideline requirement - On Time Mortgage History = 52 Months Required = 12 months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845492 | xxxxxx C B A | Closed | xxxxxx | 2025-09-18 14:12 | 2025-09-22 17:36 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Client Waiver applied to Non-Material Finding with Comp Factors. Audited FICO of 673 is less than Guideline FICO of 680 Exception in file for credit score<br> - Due Diligence Vendor-09/22/2025 <br> Open-Audited FICO of 673 is less than Guideline FICO of 680 Exception in file for credit score - Due Diligence Vendor-09/18/2025 |  | Waived-Client Waiver applied to Non-Material Finding with Comp Factors. Audited FICO of 673 is less than Guideline FICO of 680 Exception in file for credit score<br> - Due Diligence Vendor-09/22/2025<br>| Qualifying DTI below maximum allowed - DTI = 35.82% - Max DTI = 50%<br>On time mortgage history exceeds guideline requirement - On Time Mortgage History = 52 Months Required = 12 months | DTI <= 36% which is below requirement in guidelines<br> Residual income more than 2.5x the amount required by guidelines | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 845509 | xxxxxx B A | Closed | xxxxxx | 2025-09-29 07:40 | 2025-09-30 10:56 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. Client waiver applied to non-material Findings - Due Diligence Vendor-10/14/2025 |  | Waived-The Home Loan Toolkit disclosure is missing. Client waiver applied to non-material Findings - Due Diligence Vendor-10/14/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO = 753 Min FICO = 680<br>Qualifying DTI below maximum allowed - DTI = 10.94% - Max DTI = 43.00% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 845525 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 845528 | xxxxxx B A | Closed | xxxxxx | 2025-09-26 15:44 | 2025-09-26 15:44 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-09/26/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-09/26/2025<br>| CLTV is less than guidelines maximum - CLTV IS 75% MAXIMUM IS 80%<br>On time mortgage history exceeds guideline requirement - 0x30x45 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 845538 | xxxxxx D B A C | Closed | xxxxxx | 2025-09-03 11:21 | 2025-09-08 17:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Subordination Agreement is Missing | Resolved-After further review, the other secondary lien was paid at closing. - Due Diligence Vendor-09/08/2025 <br>Open-Missing Subordination Agreement - Due Diligence Vendor-09/03/2025 |  | Resolved-After further review, the other secondary lien was paid at closing. - Due Diligence Vendor-09/08/2025<br>| CLTV is less than guidelines maximum - CLTV IS 78.3% MAXIMUM IS 85%<br>Qualifying FICO score is at least 20 points above minimum for program - FICO IS 730, MAXIMUM IS 700 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 845538 | xxxxxx D B A C | Closed | xxxxxx | 2025-09-03 12:10 | 2025-09-08 12:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Borrower 1 Gap Credit Report - Due Diligence Vendor-09/08/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-09/03/2025 |  | Resolved-Received Borrower 1 Gap Credit Report - Due Diligence Vendor-09/08/2025<br>| CLTV is less than guidelines maximum - CLTV IS 78.3% MAXIMUM IS 85%<br>Qualifying FICO score is at least 20 points above minimum for program - FICO IS 730, MAXIMUM IS 700 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 845538 | xxxxxx D B A C | Closed | xxxxxx | 2025-09-03 12:10 | 2025-09-08 12:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Received Borrower 2 Gap Credit Report - Due Diligence Vendor-09/08/2025 <br>Open-Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-09/03/2025 |  | Resolved-Received Borrower 2 Gap Credit Report - Due Diligence Vendor-09/08/2025<br>| CLTV is less than guidelines maximum - CLTV IS 78.3% MAXIMUM IS 85%<br>Qualifying FICO score is at least 20 points above minimum for program - FICO IS 730, MAXIMUM IS 700 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 845538 | xxxxxx D B A C | Closed | xxxxxx | 2025-09-02 11:33 | 2025-09-08 09:56 | Resolved | 1 - Information C A | Compliance | TRID | Closing Disclosure Issue | Resolved-Upon further review, no further documentation is needed or required. Broker fee agreement is in file. - Due Diligence Vendor-09/08/2025 <br> Open------Final CD reflects a Loan Origination fee paid by Lender that was not disclosed on initial LE nor has a COC been provided for this increase. If this fee is Loan Originator Compensation, it must be identified as such on the final CD. A Loan Origination fee is a borrower paid fee and included in tolerance testing unless previously agreed this would be a lender responsibility per a Rate-Lock agreement or similar documentation. Fee clarification must be provided and upon receipt, additional findings may apply. - Due Diligence Vendor-09/02/2025 |  | Resolved-Upon further review, no further documentation is needed or required. Broker fee agreement is in file. - Due Diligence Vendor-09/08/2025<br>| CLTV is less than guidelines maximum - CLTV IS 78.3% MAXIMUM IS 85%<br>Qualifying FICO score is at least 20 points above minimum for program - FICO IS 730, MAXIMUM IS 700 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 845538 | xxxxxx D B A C | Closed | xxxxxx | 2025-09-02 11:10 | 2025-09-02 11:10 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-09/02/2025 |  | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-09/02/2025<br>| CLTV is less than guidelines maximum - CLTV IS 78.3% MAXIMUM IS 85%<br>Qualifying FICO score is at least 20 points above minimum for program - FICO IS 730, MAXIMUM IS 700 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 845593 | xxxxxx C A | Closed | xxxxxx | 2025-09-03 13:03 | 2025-09-09 12:20 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-After further review, the inquiry on xxxxxx is over 90 days old at the time of closing. - Due Diligence Vendor-09/09/2025 <br> Counter-Guidelines require an LOE. - Due Diligence Vendor-09/08/2025 <br> Open-LOX for credit inquiries is missing. Missing evidence of LOE/LOX for xxxxxx xxxxxx credit inquiry. Existing xxxxxx account opened xxxxxx does not appear to be related to the xxxxxx credit inquiry. - Due Diligence Vendor-09/03/2025 |  | Resolved-After further review, the inquiry on xxxxxx is over 90 days old at the time of closing. - Due Diligence Vendor-09/09/2025 | LTV is less than guideline maximum - Qualifying LTV/CLTV 70.00%; max allowable LTV/CLTV 80.00%<br>Months Reserves exceed minimum required - 10.67 months reserves; 0 months reserves required<br>Qualifying DTI below maximum allowed - Qualifying DTI 44.05%; max allowable 50% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 845593 | xxxxxx C A | Closed | xxxxxx | 2025-09-03 10:43 | 2025-09-08 13:16 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-After further review- title documents provided and the Title coverage now reflects xxxxxx Condition resolved - Due Diligence Vendor-09/08/2025 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). The title commitment eflects title coverage of xxxxxx, loan amiunt is xxxxxx. - Due Diligence Vendor-09/03/2025 |  | Resolved-After further review- title documents provided and the Title coverage now reflects xxxxxx Condition resolved - Due Diligence Vendor-09/08/2025 | LTV is less than guideline maximum - Qualifying LTV/CLTV 70.00%; max allowable LTV/CLTV 80.00%<br>Months Reserves exceed minimum required - 10.67 months reserves; 0 months reserves required<br>Qualifying DTI below maximum allowed - Qualifying DTI 44.05%; max allowable 50% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 845595 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 845760 | xxxxxx D A | Closed | xxxxxx | 2025-09-02 10:21 | 2025-09-04 10:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received TIA validation for xxxxxx. - Due Diligence Vendor-09/04/2025 <br> Open-Missing verification of taxes and insurance for property xxxxxx on the final 1003. - Due Diligence Vendor-09/02/2025 |  | Resolved-Received TIA validation for xxxxxx. - Due Diligence Vendor-09/04/2025 | Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 640, qualifying score is 739<br>Months Reserves exceed minimum required - Minimum reserves are 3 months. Borrower has 19.18 months |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 845760 | xxxxxx D A | Closed | xxxxxx | 2025-08-29 11:32 | 2025-09-04 10:07 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received confirmation credit inquiries were all associated with initial credit pull. - Due Diligence Vendor-09/04/2025 <br>Open-LOX for credit inquiries is missing. - Due Diligence Vendor-08/29/2025 |  | Resolved-Received confirmation credit inquiries were all associated with initial credit pull. - Due Diligence Vendor-09/04/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 640, qualifying score is 739<br>Months Reserves exceed minimum required - Minimum reserves are 3 months. Borrower has 19.18 months |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 845760 | xxxxxx D A | Closed | xxxxxx | 2025-08-29 10:53 | 2025-09-04 10:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM report. - Due Diligence Vendor-09/04/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-08/29/2025 |  | Resolved-Received UDM report. - Due Diligence Vendor-09/04/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 640, qualifying score is 739<br>Months Reserves exceed minimum required - Minimum reserves are 3 months. Borrower has 19.18 months |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 845760 | xxxxxx D A | Closed | xxxxxx | 2025-08-27 08:08 | 2025-09-03 16:29 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Rec'd correspondence; xxxxxx does not have any affiliates. Finding resolved. - Due Diligence Vendor-09/03/2025 <br>Open-Required Affiliated Business Disclosure Missing ----- Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt.<br> - Due Diligence Vendor-08/27/2025 |  | Resolved-Rec'd correspondence; xxxxxx does not have any affiliates. Finding resolved. - Due Diligence Vendor-09/03/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 640, qualifying score is 739<br>Months Reserves exceed minimum required - Minimum reserves are 3 months. Borrower has 19.18 months |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 845777 | xxxxxx B A | Closed | xxxxxx | 2025-09-08 08:09 | 2025-09-10 11:37 | Resolved | 1 - Information B A | Compliance | State Reg | xxxxxx Subprime Loan Test | Resolved-Compliant xxxxxx Subprime- APR on subject loan of 7.941% is within allowable threshold of APOR of 6.63% + 1.75% or 8.38%. - Due Diligence Vendor-09/10/2025 <br> Open-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR Compliant xxxxxx Subprime- APR on subject loan of 7.941% is within allowable threshold of APOR of 6.63% + 1.75% or 8.38%. - Due Diligence Vendor-09/08/2025 |  | Resolved-Compliant xxxxxx Subprime- APR on subject loan of 7.941% is within allowable threshold of APOR of 6.63% + 1.75% or 8.38%. - Due Diligence Vendor-09/10/2025 | Qualifying DTI below maximum allowed - 32% DTI less max allowable 50%.<br>Verified employment history exceeds guidelines - 10 years same job |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 845795 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 845796 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 845797 | xxxxxx D A | Closed | xxxxxx | 2025-09-19 09:45 | 2025-09-30 11:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Bank statement worksheet provided. - Due Diligence Vendor-09/30/2025 <br> Counter-Bank statement analysis is expired-utilized Dec 24-Jan 25. Provide current. - Due Diligence Vendor-09/25/2025 <br> Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing - Due Diligence Vendor-09/19/2025 |  | Resolved-Bank statement worksheet provided. - Due Diligence Vendor-09/30/2025<br>| Months Reserves exceed minimum required - 232.16 months reserves documented, 6 months required.<br>Qualifying DTI below maximum allowed - 4.06% DTI, program allows to 50% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 845798 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 845812 | xxxxxx C A B | Closed | xxxxxx | 2025-09-11 09:12 | 2025-09-22 11:18 | Resolved | 1 - Information C A | Credit | Insurance | Fidelity Coverage not met | Resolved-Received revised appraisal reflecting phase unit numbers-fidelity coverage is sufficient for phase. - Due Diligence Vendor-09/22/2025 <br> Open-Fidelity Coverage not met. coverage should be xxxxxx assessment x 3months x xxxxxx (# of units) = xxxxxx - policy shows xxxxxx - Due Diligence Vendor-09/11/2025 |  | Resolved-Received revised appraisal reflecting phase unit numbers-fidelity coverage is sufficient for phase. - Due Diligence Vendor-09/22/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 660 minimum FICO - borrower has 815 FICO<br>LTV is less than guideline maximum - 85% LTV max - loan has 41.28% LTV |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845812 | xxxxxx C A B | Closed | xxxxxx | 2025-09-10 12:41 | 2025-09-15 17:17 | Resolved | 1 - Information B A | Compliance | State Reg | xxxxxx Subprime Loan Test | Resolved-APR is within allowable threshold of APOR APR on subject loan of 7.464% is within allowable threshold of APOR of 6.63% + 1.75% or 8.38%. - Due Diligence Vendor-09/15/2025 <br> Open-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR APR on subject loan of 7.464% is within allowable threshold of APOR of 6.63% + 1.75% or 8.38%. - Due Diligence Vendor-09/10/2025 |  | Resolved-APR is within allowable threshold of APOR APR on subject loan of 7.464% is within allowable threshold of APOR of 6.63% + 1.75% or 8.38%. - Due Diligence Vendor-09/15/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 660 minimum FICO - borrower has 815 FICO<br>LTV is less than guideline maximum - 85% LTV max - loan has 41.28% LTV |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845820 | xxxxxx D A C | Closed | xxxxxx | 2025-09-18 14:08 | 2025-09-26 13:05 | Resolved | 1 - Information D A | Credit | Eligibility | Borrower 1 Gap Employment Letter Missing | Resolved-Received job gap letter. - Due Diligence Vendor-09/26/2025 <br> Open-Borrower 1 Gap Employment Letter Missing The guidelines require a LOE for any gap of employment that spans one or more months. The borrower had a gap of employment between 12/18/2024 to 3/5/2025 or more than 2 months and a LOE was not contained in the loan file. - Due Diligence Vendor-09/18/2025 |  | Resolved-Received job gap letter. - Due Diligence Vendor-09/26/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO = 809 Min FICO = 660<br>Months Reserves exceed minimum required - Reserves = 14.49 months – Required Reserves = 6 Months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 845820 | xxxxxx D A C | Closed | xxxxxx | 2025-09-13 20:27 | 2025-09-26 09:15 | Resolved | 1 - Information C A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-Upon further review, finding resolved. - Due Diligence Vendor-09/26/2025 <br> Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxxxxx. -----Lock date is xxxxxx Initial Application Date is xxxxxx and Initial LE was issued xxxxxx. Please confirm lock date. Additional findings my apply upon receipt. - Due Diligence Vendor-09/14/2025 |  | Resolved-Upon further review, finding resolved. - Due Diligence Vendor-09/26/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO = 809 Min FICO = 660<br>Months Reserves exceed minimum required - Reserves = 14.49 months – Required Reserves = 6 Months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 845820 | xxxxxx D A C | Closed | xxxxxx | 2025-09-13 21:09 | 2025-09-24 11:38 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received executed second home rider. - Due Diligence Vendor-09/24/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. ----- missing Second Home Rider document - Due Diligence Vendor-09/14/2025 |  | Resolved-Received executed second home rider. - Due Diligence Vendor-09/24/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO = 809 Min FICO = 660<br>Months Reserves exceed minimum required - Reserves = 14.49 months – Required Reserves = 6 Months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 845827 | xxxxxx D A | Closed | xxxxxx | 2025-09-02 17:29 | 2025-09-09 10:33 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Rec'd PCCD issued xxxxxx and COC for increase in fees. Finding resolved. - Due Diligence Vendor-09/09/2025 <br> Ready for Review-Document Uploaded. - Seller-09/08/2025 <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 $175.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Zero (0%) tolerance fees increased by $175.00 (Appraisal 1004d 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 $175.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 3 years. Expires xxxxxx.<br> - Due Diligence Vendor-09/02/2025 | Ready for Review-Document Uploaded. - Seller-09/08/2025<br>| Resolved-Rec'd PCCD issued xxxxxx and COC for increase in fees. Finding resolved. - Due Diligence Vendor-09/09/2025 | Qualifying FICO score is at least 20 points above minimum for program - 816 FICO, 660 required<br>Months Reserves exceed minimum required - 124 months reserves documented, no reserves required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 845827 | xxxxxx D A | Closed | xxxxxx | 2025-09-02 17:29 | 2025-09-09 10:33 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Rec'd PCCD issued xxxxxx and COC for increase in fees. Finding resolved. - Due Diligence Vendor-09/09/2025 <br> Ready for Review-Document Uploaded. - Seller-09/08/2025 <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% ($425.00) exceed the comparable charges ($200.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). ----- Ten (10%) tolerance fees (Recording Fee) increased by $205.00 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 $205.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations is 3 years. Expires xxxxxx.<br> - Due Diligence Vendor-09/02/2025 | Ready for Review-Document Uploaded. - Seller-09/08/2025<br>| Resolved-Rec'd PCCD issued xxxxxx and COC for increase in fees. Finding resolved. - Due Diligence Vendor-09/09/2025 | Qualifying FICO score is at least 20 points above minimum for program - 816 FICO, 660 required<br>Months Reserves exceed minimum required - 124 months reserves documented, no reserves required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 845827 | xxxxxx D A | Closed | xxxxxx | 2025-09-02 17:05 | 2025-09-09 10:20 | Resolved | 1 - Information D A | Compliance | Missing Doc | Right of Rescission is Missing | Resolved-Right of Rescission is Provided - Due Diligence Vendor-09/09/2025 <br>Ready for Review-Document Uploaded. - Seller-09/08/2025 <br>Open-Right of Rescission is Missing Missing Right of Rescission - Due Diligence Vendor-09/04/2025 | Ready for Review-Document Uploaded. - Seller-09/08/2025<br>| Resolved-Right of Rescission is Provided - Due Diligence Vendor-09/09/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 816 FICO, 660 required<br>Months Reserves exceed minimum required - 124 months reserves documented, no reserves required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 845833 | xxxxxx D A | Closed | xxxxxx | 2025-09-04 15:29 | 2025-09-12 11:46 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-After further review, the lender does not require a HOA cert, the condo warranty is in the loan file. - Due Diligence Vendor-09/12/2025 <br>Counter-Condo/PUD Warranty provided. Please provide the Limited Review. - Due Diligence Vendor-09/11/2025 <br>Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. HOA questionnaire is missing - Due Diligence Vendor-09/04/2025 |  | Resolved-After further review, the lender does not require a HOA cert, the condo warranty is in the loan file. - Due Diligence Vendor-09/12/2025<br>| Months Reserves exceed minimum required - Reserves = 12.96 months – Required Reserves = 0 Months<br>LTV is less than guideline maximum - LTV = 70% - Max LTV = 80%<br>|  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845833 | xxxxxx D A | Closed | xxxxxx | 2025-09-05 15:19 | 2025-09-11 11:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Received SSA Form 89 - Due Diligence Vendor-09/11/2025 <br>Open-Third Party Fraud Report Partially Provided Missing verification of the borrower's Social Security number. - Due Diligence Vendor-09/05/2025 |  | Resolved-Received SSA Form 89 - Due Diligence Vendor-09/11/2025<br>| Months Reserves exceed minimum required - Reserves = 12.96 months – Required Reserves = 0 Months<br>LTV is less than guideline maximum - LTV = 70% - Max LTV = 80%<br>|  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845835 | xxxxxx D A | Closed | xxxxxx | 2025-08-18 18:42 | 2025-09-03 09:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance provided. - Due Diligence Vendor-09/03/2025 <br>Open-Missing Hazard Insurance Policy No HOI policy provided. - Due Diligence Vendor-08/18/2025 |  | Resolved-Hazard Insurance provided. - Due Diligence Vendor-09/03/2025<br>| DSCR % greater than 1.20 - DSCR exceeds guides<br>Months Reserves exceed minimum required - Reserves are 19 mo's with min required of 3 mo's. |  | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 845839 | xxxxxx D B A | Closed | xxxxxx | 2025-08-20 22:42 | 2025-08-27 15:57 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received 1008 - Due Diligence Vendor-08/25/2025 <br>Ready for Review-1008 - Seller-08/22/2025 <br>Open-Missing Approval/Underwriting Summary - Due Diligence Vendor-08/21/2025 | Ready for Review-1008 - Seller-08/22/2025<br>| Resolved-Received 1008 - Due Diligence Vendor-08/25/2025<br>| Qualifying DTI below maximum allowed - Borr DTI 39.47%. Per guides, maximum DTI 49.99%.<br>Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 691. Per guides, minimum score required 660. |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845839 | xxxxxx D B A | Closed | xxxxxx | 2025-08-20 22:10 | 2025-08-27 15:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Update 8/27/25\*\*Received Gap report. Stips. - Due Diligence Vendor-08/27/2025 <br> Ready for Review-xxxxxx - Seller-08/25/2025 <br> Ready for Review-Document Uploaded. - Seller-08/25/2025 <br> Ready for Review-Document Uploaded. xxxxxx - Seller-08/25/2025 <br> Counter-Review did not receive the upload-pleas re upload. - Due Diligence Vendor-08/25/2025 <br> Ready for Review-xxxxxx - Seller-08/22/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Missing Gap Credit Report. - Due Diligence Vendor-08/21/2025 | Ready for Review-xxxxxx - Seller-08/25/2025 <br>Ready for Review-Document Uploaded. - Seller-08/25/2025 <br>Ready for Review-Document Uploaded. xxxxxx - Seller-08/25/2025 <br>Ready for Review-xxxxxx - Seller-08/22/2025<br>| Resolved-Update 8/27/25\*\*Received Gap report. Stips. - Due Diligence Vendor-08/27/2025 | Qualifying DTI below maximum allowed - Borr DTI 39.47%. Per guides, maximum DTI 49.99%.<br>Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 691. Per guides, minimum score required 660. |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845839 | xxxxxx D B A | Closed | xxxxxx | 2025-08-20 22:15 | 2025-08-27 15:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Received email confirming management approval for fraud report above 800. - Due Diligence Vendor-08/27/2025 <br>Ready for Review-Document Uploaded. LOX - Seller-08/25/2025 <br>Ready for Review-Document Uploaded. LOX - Seller-08/25/2025 <br>Counter-Review did not receive upload-please re upload. - Due Diligence Vendor-08/25/2025 <br>Ready for Review-LOX - Seller-08/22/2025 <br>Open-Third Party Fraud Report Partially Provided Fraud score 857>800, Missing UW Fraud Report Review Cert. Per guides pg34: scores above 800 from require management review and approval by the Underwriting Manager in order to proceed with the loan.<br> - Due Diligence Vendor-08/21/2025 | Ready for Review-Document Uploaded. LOX - Seller-08/25/2025 <br>Ready for Review-Document Uploaded. LOX - Seller-08/25/2025 <br>Ready for Review-LOX - Seller-08/22/2025<br>| Resolved-Received email confirming management approval for fraud report above 800. - Due Diligence Vendor-08/27/2025<br>| Qualifying DTI below maximum allowed - Borr DTI 39.47%. Per guides, maximum DTI 49.99%.<br>Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 691. Per guides, minimum score required 660. |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845839 | xxxxxx D B A | Closed | xxxxxx | 2025-08-20 21:41 | 2025-08-26 09:15 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Received appraisal form 1004 - Due Diligence Vendor-08/25/2025 <br>Ready for Review-Document Uploaded. APPRAIAL SENT - Seller-08/22/2025 <br>Open-Appraisal is Missing Missing Appraisal. - Due Diligence Vendor-08/21/2025 | Ready for Review-Document Uploaded. APPRAIAL SENT - Seller-08/22/2025<br>| Resolved-Received appraisal form 1004 - Due Diligence Vendor-08/25/2025<br>| Qualifying DTI below maximum allowed - Borr DTI 39.47%. Per guides, maximum DTI 49.99%.<br>Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 691. Per guides, minimum score required 660. |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845839 | xxxxxx D B A | Closed | xxxxxx | 2025-08-20 22:30 | 2025-08-25 17:02 | Resolved | 1 - Information C A | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Resolved-Received title receipt for gift funds. - Due Diligence Vendor-08/25/2025 <br> Ready for Review-Document Uploaded. 20K GIFT - Seller-08/22/2025 <br> Open-Asset Record 3 Does Not Meet G/L Requirements Missing proof of Gift funds ($20000) wired to closing. Evidence of receipt/wire not in file. - Due Diligence Vendor-08/21/2025 | Ready for Review-Document Uploaded. 20K GIFT - Seller-08/22/2025<br>| Resolved-Received title receipt for gift funds. - Due Diligence Vendor-08/25/2025 | Qualifying DTI below maximum allowed - Borr DTI 39.47%. Per guides, maximum DTI 49.99%.<br>Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 691. Per guides, minimum score required 660. |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845839 | xxxxxx D B A | Closed | xxxxxx | 2025-08-20 21:53 | 2025-08-25 17:01 | Resolved | 1 - Information C A | Credit | Eligibility | Valuation Product Does Not Meet Guidelines | Resolved-Received secondary valuation. - Due Diligence Vendor-08/25/2025 <br> Ready for Review-Document Uploaded. DESK REVIEW - Seller-08/22/2025 <br> Open-Missing Appraisal Desk Review. (CU and LCA in file). CDA Desk Review is required per GL - Due Diligence Vendor-08/21/2025 | Ready for Review-Document Uploaded. DESK REVIEW - Seller-08/22/2025<br>| Resolved-Received secondary valuation. - Due Diligence Vendor-08/25/2025<br>| Qualifying DTI below maximum allowed - Borr DTI 39.47%. Per guides, maximum DTI 49.99%.<br>Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 691. Per guides, minimum score required 660. |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845839 | xxxxxx D B A | Closed | xxxxxx | 2025-08-18 12:46 | 2025-08-18 12:46 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-08/18/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-08/18/2025<br>| Qualifying DTI below maximum allowed - Borr DTI 39.47%. Per guides, maximum DTI 49.99%.<br>Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 691. Per guides, minimum score required 660. |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 845841 | xxxxxx D A | Closed | xxxxxx | 2025-09-23 09:49 | 2025-09-25 11:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received Lenders Tax Calculation. - Due Diligence Vendor-09/25/2025 <br> Open-Missing Evidence of Property Tax Lender used a higher tax amount of xxxxxx vs verified amount of xxxxxx - Due Diligence Vendor-09/23/2025 |  | Resolved-Received Lenders Tax Calculation. - Due Diligence Vendor-09/25/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 45%; max permitted 50%.<br>LTV is less than guideline maximum - LTV 79.99%; max 90%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 845841 | xxxxxx D A | Closed | xxxxxx | 2025-09-19 18:45 | 2025-09-25 10:43 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Required Affiliated Business Disclosure Resolved - Due Diligence Vendor-09/25/2025 <br>Open-Required Affiliated Business Disclosure Missing Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt.<br> - Due Diligence Vendor-09/19/2025 |  | Resolved-Required Affiliated Business Disclosure Resolved - Due Diligence Vendor-09/25/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 45%; max permitted 50%.<br>LTV is less than guideline maximum - LTV 79.99%; max 90%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 845856 | xxxxxx D B A | Closed | xxxxxx | 2025-09-11 13:45 | 2025-10-06 17:08 | Resolved | 1 - Information D A | Credit | Eligibility | Borrower 1 Gap Employment Letter Missing | Resolved-B2 gap employment letter provided. - Due Diligence Vendor-10/06/2025 <br> Open-Borrower 1 Gap Employment Letter Missing Borrower has been employed at current job since xxxxxx - prior to that was employed by same company but employment ended on xxxxxx - no LOE regarding gap in employment - Due Diligence Vendor-09/11/2025 |  | Resolved-B2 gap employment letter provided. - Due Diligence Vendor-10/06/2025<br>| LTV is less than guideline maximum - 90% LTV max - loan has 72.6% LTV<br>Qualifying DTI below maximum allowed - 45% DTI max - loan has 39.85% DTI<br>Qualifying FICO score is at least 20 points above minimum for program - 640 minimum FICO - borrower has 715 FICO |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845856 | xxxxxx D B A | Closed | xxxxxx | 2025-09-11 13:14 | 2025-10-06 17:07 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Gift letter provided. - Due Diligence Vendor-10/06/2025 <br>Counter-Please provide the Gift Letter. Additional finding may apply - Due Diligence Vendor-09/30/2025 <br>Open-Asset Qualification Does Not Meet Guideline Requirements Missing source of gifts funds deposited to escrow of $58,332.94 - Due Diligence Vendor-09/11/2025 |  | Resolved-Gift letter provided. - Due Diligence Vendor-10/06/2025<br>| LTV is less than guideline maximum - 90% LTV max - loan has 72.6% LTV<br>Qualifying DTI below maximum allowed - 45% DTI max - loan has 39.85% DTI<br>Qualifying FICO score is at least 20 points above minimum for program - 640 minimum FICO - borrower has 715 FICO |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845856 | xxxxxx D B A | Closed | xxxxxx | 2025-09-11 13:41 | 2025-09-24 12:57 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Condo Master Insurance Policy is Partial | Waived-Client waiver applied to non-material finding with compensating factors. Allowing excessive deductible as this is a non-warrantable xxxxxx. - Due Diligence Vendor-09/24/2025 <br> Open-Condo Master Insurance Policy Partially Provided Blanket policy deductible is 14.65% which exceeds guideline of 10% - exception in file - Due Diligence Vendor-09/11/2025 |  | Waived-Client waiver applied to non-material finding with compensating factors. Allowing excessive deductible as this is a non-warrantable xxxxxx. - Due Diligence Vendor-09/24/2025 | LTV is less than guideline maximum - 90% LTV max - loan has 72.6% LTV<br>Qualifying DTI below maximum allowed - 45% DTI max - loan has 39.85% DTI<br>Qualifying FICO score is at least 20 points above minimum for program - 640 minimum FICO - borrower has 715 FICO | LTV/CLTV 5% or more below the maximum allowed under applicable guidelines<br> DTI <+ 40% which is below requirement in guidelines | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 845856 | xxxxxx D B A | Closed | xxxxxx | 2025-09-11 13:29 | 2025-09-15 13:50 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Client exception granted to allow loan amount less than minimum, Non-material waiver applied with comp factors. - Due Diligence Vendor-09/15/2025 <br> Open-Audited Loan Amount is less than the Guideline Minimum Loan Amount of $150000 exception for loan amount of xxxxxx - Due Diligence Vendor-09/11/2025 |  | Waived-Client exception granted to allow loan amount less than minimum, Non-material waiver applied with comp factors. non-material due to LTV < maximum - Due Diligence Vendor-09/15/2025<br>| LTV is less than guideline maximum - 90% LTV max - loan has 72.6% LTV<br>Qualifying DTI below maximum allowed - 45% DTI max - loan has 39.85% DTI<br>Qualifying FICO score is at least 20 points above minimum for program - 640 minimum FICO - borrower has 715 FICO | Credit score of 715 - 75 points over program requirements<br> DTI below 40% - 39.13 | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 845856 | xxxxxx D B A | Closed | xxxxxx | 2025-09-10 10:00 | 2025-09-10 10:00 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-09/10/2025 |  | Waived-The Home Loan Toolkit disclosure is missing. Client waiver applied to non-material Findings.<br> - Due Diligence Vendor-09/10/2025<br>| LTV is less than guideline maximum - 90% LTV max - loan has 72.6% LTV<br>Qualifying DTI below maximum allowed - 45% DTI max - loan has 39.85% DTI<br>Qualifying FICO score is at least 20 points above minimum for program - 640 minimum FICO - borrower has 715 FICO |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 845864 | xxxxxx B A | Closed | xxxxxx | 2025-09-10 09:32 | 2025-09-10 11:17 | Waived | 2 - Non-Material B | Compliance | Data | Borrower 1 Final Signature Date is in the future | Waived-Borrower 1 Final Signature Date is greater than the transaction date of xxxxxx -----Client waiver applied to non-material Findings. - Due Diligence Vendor-09/10/2025 |  | Waived-Borrower 1 Final Signature Date is greater than the transaction date of xxxxxx -----Client waiver applied to non-material Findings. - Due Diligence Vendor-09/10/2025 | Qualifying FICO score is at least 20 points above minimum for program - Guideline minimum 680. Borrower qualified with a 780 FICO.<br>Qualifying DTI below maximum allowed - Maximum DTI 43% for FTHB. Borrower qualified with 16.55%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 845877 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 845957 | xxxxxx C A | Closed | xxxxxx | 2025-10-01 14:05 | 2025-10-07 11:07 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Received all pages of the transaction history. - Due Diligence Vendor-10/06/2025 <br> Open-Asset Qualification Does Not Meet Guideline Requirements We are missing complete bank statement for xxxxxx acct xxxxxx showing $61,000 wire coming out of this account for deposit which is appearing as a credit on final CD. Last bank statement is through 8/19 - printout starts 8/25 showing a wire fee of $30 but wire is not showing. - Due Diligence Vendor-10/01/2025 |  | Resolved-Received all pages of the transaction history. - Due Diligence Vendor-10/06/2025<br>| Months Reserves exceed minimum required - We need six months of reserves - we have 7.41 months of reserves.<br>Qualifying DTI below maximum allowed - Max DTI is 50% - we are at 33.76% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845957 | xxxxxx C A | Closed | xxxxxx | 2025-10-01 13:16 | 2025-10-06 12:50 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received Mortgage Statement and previous mortgage is reporting on the credit report. - Due Diligence Vendor-10/06/2025 <br> Open-Housing History Does Not Meet Guideline Requirements We are missing housing mortgage history with xxxxxx for property at xxxxxx. Mortgage history is not on the credit report. Only Mtg statement in file. - Due Diligence Vendor-10/01/2025 |  | Resolved-Received Mortgage Statement and previous mortgage is reporting on the credit report. - Due Diligence Vendor-10/06/2025<br>| Months Reserves exceed minimum required - We need six months of reserves - we have 7.41 months of reserves.<br>Qualifying DTI below maximum allowed - Max DTI is 50% - we are at 33.76% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845985 | xxxxxx B A | Closed | xxxxxx | 2025-08-22 14:13 | 2025-08-22 14:39 | Waived | 2 - Non-Material B | Credit | Closing | Prepayment Penalty Issue | Waived-Client waiver applied to non material finding with comp factors<br> - Due Diligence Vendor-08/22/2025 <br> Open-xxxxxx held in an entity such as LLC, LP or Trust - Due Diligence Vendor-08/22/2025 |  | Waived-Client waiver applied to non material finding with comp factors<br> - Due Diligence Vendor-08/22/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 722 with required 640<br>DSCR % greater than 1.20 - DSCR 1.68 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 845994 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 845999 | xxxxxx B A | Closed | xxxxxx | 2025-09-30 10:00 | 2025-10-02 11:10 | Resolved | 1 - Information B A | Compliance | State Reg | xxxxxx Subprime Loan Test | Resolved-APR on subject loan of 8.49% is within allowable threshold of APOR of 6.63% + 3.75% or 10.38%. - Due Diligence Vendor-10/02/2025 <br> Open-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR -----Compliant xxxxxx Subprime- APR on subject loan of 8.49% is within allowable threshold of APOR of 6.63% + 3.75% or 10.38%. - Due Diligence Vendor-09/30/2025 |  | Resolved-APR on subject loan of 8.49% is within allowable threshold of APOR of 6.63% + 3.75% or 10.38%. - Due Diligence Vendor-10/02/2025<br>| CLTV is less than guidelines maximum - 75% allowed, subject 57.76%<br>Qualifying FICO score is at least 20 points above minimum for program - 680 required, subject 742 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 845999 | xxxxxx B A | Closed | xxxxxx | 2025-09-30 09:41 | 2025-09-30 09:57 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings. - Due Diligence Vendor-09/30/2025 |  | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings. - Due Diligence Vendor-09/30/2025<br>| CLTV is less than guidelines maximum - 75% allowed, subject 57.76%<br>Qualifying FICO score is at least 20 points above minimum for program - 680 required, subject 742 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 846002 | xxxxxx D B A | Closed | xxxxxx | 2025-09-10 08:35 | 2025-09-30 14:15 | Waived | 2 - Non-Material C B | Credit | Insurance | HO6 Insurance Policy Effective Date is after the Note Date | Waived-The request for an exception for effective date of the Insurance policy eligibility criteria is granted - Due Diligence Vendor-09/30/2025 <br> Counter-Client provided an excel spreadsheet statting the request for an exception to xxxxxx eligibility criteria is granted, excwepion form not received. - Due Diligence Vendor-09/26/2025 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-09/26/2025 <br> Open-HO-6 Insurance Policy Effective Date of xxxxxx is after the Note Date of xxxxxx loan disbursed xxxxxx per CD - Due Diligence Vendor-09/10/2025 |  | Waived-The request for an exception for effective date of the Insurance policy eligibility criteria is granted - Due Diligence Vendor-09/30/2025<br>| Qualifying DTI below maximum allowed - 45% max DTI - loan DTI is 28.25%<br>Qualifying FICO score is at least 20 points above minimum for program - 660 minimum FICO - borrower has 786 FICO | Compensating Factor 1 - Credit Score 30+ points > minimum required / Compensating Factor 2 - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines / Compensating Factor 3 - DTI <= 40% which is below requirement in guidelines | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 846002 | xxxxxx D B A | Closed | xxxxxx | 2025-09-10 09:46 | 2025-09-29 12:19 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received additional assets. - Due Diligence Vendor-09/29/2025 <br> Counter-Review is not able to open the UW rebuttal-please re upload . - Due Diligence Vendor-09/24/2025 <br> Open-Audited Reserves of 2.14 month(s) are less than Guideline Required Reserves of 6 month(s) Guides require a minimum of 6 months reserves for LTV/CLTV to 85%. Borrower has only 2.14 months of verified reserves documented in the loan file. - Due Diligence Vendor-09/10/2025 |  | Resolved-Received additional assets. - Due Diligence Vendor-09/29/2025<br>| Qualifying DTI below maximum allowed - 45% max DTI - loan DTI is 28.25%<br>Qualifying FICO score is at least 20 points above minimum for program - 660 minimum FICO - borrower has 786 FICO |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846002 | xxxxxx D B A | Closed | xxxxxx | 2025-09-10 08:52 | 2025-09-24 11:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received pre close VVOE - Due Diligence Vendor-09/24/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-09/10/2025 |  | Resolved-Received pre close VVOE - Due Diligence Vendor-09/24/2025<br>| Qualifying DTI below maximum allowed - 45% max DTI - loan DTI is 28.25%<br>Qualifying FICO score is at least 20 points above minimum for program - 660 minimum FICO - borrower has 786 FICO |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846002 | xxxxxx D B A | Closed | xxxxxx | 2025-09-11 11:04 | 2025-09-11 11:21 | Waived | 2 - Non-Material C B | Credit | Eligibility | Condo does not meet requirements | Waived-xxxxxx project does not meet minimum insurance requirements; Originator exception in file with compensating factors; blanket client waiver for non-material finding is approved. - Due Diligence Vendor-10/14/2025 <br> Open-xxxxxx project does not meet minimum insurance requirements; Originator exception in file with compensating factors (28.25% DTI and LTV max is 80% for this project); blanket client waiver for non-material finding is approved. - Due Diligence Vendor-09/11/2025 |  | Waived-xxxxxx project does not meet minimum insurance requirements; Originator exception in file with compensating factors. blanket client waiver for non-material finding is approved. - Due Diligence Vendor-10/14/2025 | Qualifying DTI below maximum allowed - 45% max DTI - loan DTI is 28.25%<br>Qualifying FICO score is at least 20 points above minimum for program - 660 minimum FICO - borrower has 786 FICO | 27.68% DTI - max 50%<br> 42.86% LTV - max 85%<br> 786 FICO - min 680 | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 846022 | xxxxxx D A | Closed | xxxxxx | 2025-08-18 12:22 | 2025-09-04 12:13 | Resolved | 1 - Information C A | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Resolved-After further review, the delinquent taxes were not financed, the funds were brought to closing per the final CD. xxxxxx does not allow taxes over 60 days late to be financed. - Due Diligence Vendor-09/04/2025 <br> Counter-Delinquent taxes > 60 days are to be included in the cash back calculation. - Due Diligence Vendor-09/03/2025 <br> Ready for Review-Please note that the Cash to Borrower amount of $1,934.49 is below our internal limit of $2,000 for a Rate/Term refinance. And all supporting documentation, including the Final Title Report and Post-CD, has been provided. Could you please kindly clear the condition? - Seller-09/01/2025 <br> Counter-Received PCCD that reflect xxxxxx to borrower with delinquent taxes of xxxxxx paid and only xxxxxx paid before closing. Subject transaction does not qualify as a rate/term with provided documentation. <br> - Due Diligence Vendor-08/28/2025 <br> Ready for Review-Document Uploaded. Borrower brought in the delinquent tax amount of xxxxxx to pay if with his own funds. Please see attached POST CD pg. 3 and kindly clear the condition. - Seller-08/27/2025 <br> Counter-Documentation to support the taxes were paid provided, however it was paid through closing making the transaction a cash out transaction. - Due Diligence Vendor-08/26/2025 <br> Ready for Review-Document Uploaded. Please review the final title report and documents. - Seller-08/25/2025 <br> Counter-xxxxxx guidelines will not consider the transaction as a rate term when paying delinquent taxes > 60 days. - Due Diligence Vendor-08/20/2025 <br> Ready for Review-This loan is a Rate/Term refinance, but your condition mentioned the Cash-Out guideline. Could you please reconsider the condition? - Seller-08/18/2025 <br> Open-Cash Out Does Not Meet Guideline Requirements Delinquent taxes were paid on the CD. Guides are silent, default xxxxxx taxes paid delinquent > 60 days can not be paid on rate and term - Due Diligence Vendor-08/18/2025 | Ready for Review-Please note that the Cash to Borrower amount of $1,934.49 is below our internal limit of $2,000 for a Rate/Term refinance. And all supporting documentation, including the Final Title Report and Post-CD, has been provided. Could you please kindly clear the condition? - Seller-09/01/2025 <br> Ready for Review-Document Uploaded. Borrower brought in the delinquent tax amount of xxxxxx to pay if with his own funds. Please see attached POST CD pg. 3 and kindly clear the condition. - Seller-08/27/2025 <br> Ready for Review-Document Uploaded. Please review the final title report and documents. - Seller-08/25/2025 <br> Ready for Review-This loan is a Rate/Term refinance, but your condition mentioned the Cash-Out guideline. Could you please reconsider the condition? - Seller-08/18/2025 | Resolved-After further review, the delinquent taxes were not financed, the funds were brought to closing per the final CD. xxxxxx does not allow taxes over 60 days late to be financed. - Due Diligence Vendor-09/04/2025<br>| Months Reserves exceed minimum required - Total qualifying 12 months reserves; 0 months reserves required<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 764 guidelines require 660 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846022 | xxxxxx D A | Closed | xxxxxx | 2025-08-18 10:08 | 2025-08-20 16:36 | Resolved | 1 - Information C A | Credit | Closing | The Deed of Trust is Incomplete | Resolved-Upon further review, Legal was located in the loan file. - Due Diligence Vendor-08/20/2025 <br> Ready for Review-Please refer to page 387. Exhibit A was already included in the package. - Seller-08/18/2025 <br> Open-The Deed of Trust is Incomplete • Missing Exhibit A for DOT. Bottom of Exhibit says Prelim Report suggesting from Title - Due Diligence Vendor-08/18/2025 | Ready for Review-Please refer to page 387. Exhibit A was already included in the package. - Seller-08/18/2025<br>| Resolved-Upon further review, Legal was located in the loan file. - Due Diligence Vendor-08/20/2025<br>| Months Reserves exceed minimum required - Total qualifying 12 months reserves; 0 months reserves required<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 764 guidelines require 660 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846022 | xxxxxx D A | Closed | xxxxxx | 2025-08-18 12:25 | 2025-08-20 16:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received GAP report - Due Diligence Vendor-10/14/2025 <br> Ready for Review-Document Uploaded. Please refer to pages 54-64. Credit refresh was already included in the package. - Seller-08/18/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Missing GAP credit - Due Diligence Vendor-08/18/2025 | Ready for Review-Document Uploaded. Please refer to pages 54-64. Credit refresh was already included in the package. - Seller-08/18/2025<br>| Resolved-Received GAP report - Due Diligence Vendor-10/14/2025<br>| Months Reserves exceed minimum required - Total qualifying 12 months reserves; 0 months reserves required<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 764 guidelines require 660 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846023 | xxxxxx D A C | Closed | xxxxxx | 2025-08-19 15:12 | 2025-08-29 14:22 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Received Proof of wire transfer for gift funds. - Due Diligence Vendor-08/29/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-08/28/2025 <br> Open-Asset Record 2 Does Not Meet G/L Requirements Missing evidence of transfer of the gift funds - Due Diligence Vendor-08/19/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-08/28/2025<br>| Resolved-Received Proof of wire transfer for gift funds. - Due Diligence Vendor-08/29/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 660 minimum FICO - Borrower has 718 FICO<br>Months Reserves exceed minimum required - 4 months reserves required - borrower has 9.24 months reserves |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846023 | xxxxxx D A C | Closed | xxxxxx | 2025-08-14 12:10 | 2025-08-29 08:22 | Resolved | 1 - Information C A | Compliance | TRID | TRID Initial Closing Disclosure Date and Funding Date Validation Test | Resolved-Received PCCD xxxxxx, disbursement date xxxxxx. Finding resolved. - Due Diligence Vendor-08/29/2025 <br> Ready for Review-Document Uploaded. PCCD attached - Seller-08/27/2025 <br> Open-This loan failed the TRID closing disclosure date and funding date validation test.This loan contains a closing disclosure receipt date (or closing disclosure delivery date if receipt date was not provided) that is after the funding date. Please review the loan data to ensure the dates are in the correct fields. ----- Final CD shows disbursement date of xxxxxx, but closing date is xxxxxx. Provide evidence the loan did not disburse prior to closing. <br> - Due Diligence Vendor-08/14/2025 | Ready for Review-Document Uploaded. PCCD attached - Seller-08/27/2025<br>| Resolved-Received PCCD xxxxxx, disbursement date xxxxxx. Finding resolved. - Due Diligence Vendor-08/29/2025 | Qualifying FICO score is at least 20 points above minimum for program - 660 minimum FICO - Borrower has 718 FICO<br>Months Reserves exceed minimum required - 4 months reserves required - borrower has 9.24 months reserves |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846023 | xxxxxx D A C | Closed | xxxxxx | 2025-08-19 14:59 | 2025-08-26 17:41 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-Received HOA questionnaire. - Due Diligence Vendor-08/26/2025 <br> Ready for Review-Document Uploaded. Condo Questionnaire attached - Seller-08/22/2025 <br> Open-Missing Condo Questionnaire - Due Diligence Vendor-08/19/2025 | Ready for Review-Document Uploaded. Condo Questionnaire attached - Seller-08/22/2025<br>| Resolved-Received HOA questionnaire. - Due Diligence Vendor-08/26/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 660 minimum FICO - Borrower has 718 FICO<br>Months Reserves exceed minimum required - 4 months reserves required - borrower has 9.24 months reserves |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846024 | xxxxxx D A C | Closed | xxxxxx | 2025-08-18 09:15 | 2025-09-03 17:48 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-09/03/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-09/02/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Legal Description, Exhibit A not attached to DOT. - Due Diligence Vendor-08/18/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-09/02/2025<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-09/03/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 680 guidelines require 660<br>Qualifying DTI below maximum allowed - Guidelines allow DTI to 49.99%. Qualifying DTI is 39.45%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846024 | xxxxxx D A C | Closed | xxxxxx | 2025-08-18 09:44 | 2025-08-29 08:10 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received COC xxxxxx, validated. Finding resolved. - Due Diligence Vendor-08/29/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-08/27/2025 <br> Counter-Received COC with Borrower Requested change (with no additional documentation), this is not a valid COC. Finding remains. - Due Diligence Vendor-08/25/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-08/21/2025 <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 $200.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Zero (0%) tolerance fees increased by $200.00 (Appraisal Update (1004d)) without a valid COC in file. (COC in file does not state purpose for fee increase) Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $200.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 3 years, expiration date xxxxxx. - Due Diligence Vendor-08/18/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-08/27/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-08/21/2025<br>| Resolved-Received COC xxxxxx, validated. Finding resolved. - Due Diligence Vendor-08/29/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 680 guidelines require 660<br>Qualifying DTI below maximum allowed - Guidelines allow DTI to 49.99%. Qualifying DTI is 39.45%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846024 | xxxxxx D A C | Closed | xxxxxx | 2025-08-20 10:02 | 2025-08-25 16:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-08/25/2025 <br>Ready for Review-Document Uploaded. xxxxxx Attached - Seller-08/21/2025 <br>Open-Borrower 1 Gap Credit Report is Missing • File missing GAP report and Fraud Report did not provide UDM Undisclosed Debt Monitoring. - Due Diligence Vendor-08/20/2025 | Ready for Review-Document Uploaded. xxxxxx Attached - Seller-08/21/2025<br>| Resolved-Received Gap Report. - Due Diligence Vendor-08/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 680 guidelines require 660<br>Qualifying DTI below maximum allowed - Guidelines allow DTI to 49.99%. Qualifying DTI is 39.45%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846027 | xxxxxx D A C | Closed | xxxxxx | 2025-08-21 12:03 | 2025-09-05 10:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Lease and LE provided for property, properties added to the REO calc. - Due Diligence Vendor-09/05/2025 <br> Ready for Review-As previously mentioned, the loan is still being processed and has not yet closed. Accordingly, we have provided the Lease Agreement, Initial Loan Estimate, Hazard Insurance Policy, Property Tax Certificate, and the 1003, as requested. Could you please specify which additional document you are referring to? To clarify, are you indicating that this loan will be placed on hold until the concurrent file is closed?<br> - Seller-09/05/2025 <br> Counter-1003 provided does not reflect rental income on pending property xxxxxx. - Due Diligence Vendor-09/04/2025 <br> Ready for Review-Document Uploaded. Please see attached ILE and 1003 - Seller-09/02/2025 <br> Counter-Please provide LE and 1003 reflecting rental income on pending property xxxxxx - Due Diligence Vendor-09/02/2025 <br> Ready for Review-Document Uploaded. For REO #xxxxxx, it is con-currently proceed and it is not closed yet. We can provide Lease agreement, ILE, Hazard insurance policy, and the property tax certificate at this moment. Please review and advise if there is anything more we can provide to clear this condition. - Seller-08/29/2025 <br> Open-Missing verification of REO #xxxxxx full PITIA and Net-rental income - Due Diligence Vendor-08/21/2025 | Ready for Review-As previously mentioned, the loan is still being processed and has not yet closed. Accordingly, we have provided the Lease Agreement, Initial Loan Estimate, Hazard Insurance Policy, Property Tax Certificate, and the 1003, as requested. Could you please specify which additional document you are referring to? To clarify, are you indicating that this loan will be placed on hold until the concurrent file is closed?<br> - Seller-09/05/2025 <br> Ready for Review-Document Uploaded. Please see attached ILE and 1003 - Seller-09/02/2025 <br> Ready for Review-Document Uploaded. For REO #xxxxxx, it is con-currently proceed and it is not closed yet. We can provide Lease agreement, ILE, Hazard insurance policy, and the property tax certificate at this moment. Please review and advise if there is anything more we can provide to clear this condition. - Seller-08/29/2025 | Resolved-Lease and LE provided for property, properties added to the REO calc. - Due Diligence Vendor-09/05/2025<br>| On time mortgage history exceeds guideline requirement - Borrs 102mos 0x30 mortgage pay history. Per guides, minimum 12mos 0x30 mortgage/rental pay history.<br>Months Reserves exceed minimum required - 31.49mos reserves. Per guides, 4 reserves required <br>LTV is less than guideline maximum - 70% LTV below max allowed of 75% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 846027 | xxxxxx D A C | Closed | xxxxxx | 2025-08-21 11:36 | 2025-09-05 10:31 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Lease and LE provided for property, properties added to the REO calc. - Due Diligence Vendor-09/05/2025 <br> Ready for Review-As previously mentioned, the loan is still being processed and has not yet closed. Accordingly, we have provided the Lease Agreement, Initial Loan Estimate, Hazard Insurance Policy, Property Tax Certificate, and the 1003, as requested. Could you please specify which additional document you are referring to? To clarify, are you indicating that this loan will be placed on hold until the concurrent file is closed? - Seller-09/04/2025 <br> Counter-Pending receipt of missing REO documentation. - Due Diligence Vendor-09/04/2025 <br> Ready for Review-Document Uploaded. please see attached 1003 and ILE - Seller-09/02/2025 <br> Counter-Please provide LE and 1003 reflecting rental income on pending property xxxxxx - Due Diligence Vendor-09/02/2025 <br> Ready for Review-Document Uploaded. For REO #xxxxxx, it is con-currently proceed and it is not closed yet. We can provide Lease agreement, ILE, Hazard insurance policy, and the property tax certificate at this moment. Please review and advise if there is anything more we can provide to clear this condition. - Seller-08/29/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing verification of REO #xxxxxx full PITIA and Net-rental income - Due Diligence Vendor-08/21/2025 | Ready for Review-As previously mentioned, the loan is still being processed and has not yet closed. Accordingly, we have provided the Lease Agreement, Initial Loan Estimate, Hazard Insurance Policy, Property Tax Certificate, and the 1003, as requested. Could you please specify which additional document you are referring to? To clarify, are you indicating that this loan will be placed on hold until the concurrent file is closed? - Seller-09/04/2025 <br> Ready for Review-Document Uploaded. please see attached 1003 and ILE - Seller-09/02/2025 <br> Ready for Review-Document Uploaded. For REO #xxxxxx, it is con-currently proceed and it is not closed yet. We can provide Lease agreement, ILE, Hazard insurance policy, and the property tax certificate at this moment. Please review and advise if there is anything more we can provide to clear this condition. - Seller-08/29/2025 | Resolved-Lease and LE provided for property, properties added to the REO calc. - Due Diligence Vendor-09/05/2025<br>| On time mortgage history exceeds guideline requirement - Borrs 102mos 0x30 mortgage pay history. Per guides, minimum 12mos 0x30 mortgage/rental pay history.<br>Months Reserves exceed minimum required - 31.49mos reserves. Per guides, 4 reserves required <br>LTV is less than guideline maximum - 70% LTV below max allowed of 75% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 846027 | xxxxxx D A C | Closed | xxxxxx | 2025-08-21 12:07 | 2025-09-05 10:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Lease agreement provided. - Due Diligence Vendor-09/05/2025 <br> Ready for Review-As previously mentioned, the loan is still being processed and has not yet closed. Accordingly, we have provided the Lease Agreement, Initial Loan Estimate, Hazard Insurance Policy, Property Tax Certificate, and the 1003, as requested. Could you please specify which additional document you are referring to? To clarify, are you indicating that this loan will be placed on hold until the concurrent file is closed?<br> - Seller-09/05/2025 <br> Counter-1003 does not reflect the pending property rental income. - Due Diligence Vendor-09/04/2025 <br> Ready for Review-Document Uploaded. Please see attached ILE and 1003 - Seller-09/02/2025 <br> Counter-Please provide LE and 1003 reflecting rental income on pending property xxxxxx - Due Diligence Vendor-09/02/2025 <br> Ready for Review-Document Uploaded. For REO #xxxxxx, it is con-currently proceed and it is not closed yet. We can provide Lease agreement, ILE, Hazard insurance policy, and the property tax certificate at this moment. Please review and advise if there is anything more we can provide to clear this condition. - Seller-08/29/2025 <br> Open-Missing Missing Lease Agreement for REO #xxxxxx. Lender factored net-rental income in DTI calculation, per final 1003. - Due Diligence Vendor-08/21/2025 | Ready for Review-As previously mentioned, the loan is still being processed and has not yet closed. Accordingly, we have provided the Lease Agreement, Initial Loan Estimate, Hazard Insurance Policy, Property Tax Certificate, and the 1003, as requested. Could you please specify which additional document you are referring to? To clarify, are you indicating that this loan will be placed on hold until the concurrent file is closed?<br> - Seller-09/05/2025 <br> Ready for Review-Document Uploaded. Please see attached ILE and 1003 - Seller-09/02/2025 <br> Ready for Review-Document Uploaded. For REO #xxxxxx, it is con-currently proceed and it is not closed yet. We can provide Lease agreement, ILE, Hazard insurance policy, and the property tax certificate at this moment. Please review and advise if there is anything more we can provide to clear this condition. - Seller-08/29/2025 | Resolved-Lease agreement provided. - Due Diligence Vendor-09/05/2025<br>| On time mortgage history exceeds guideline requirement - Borrs 102mos 0x30 mortgage pay history. Per guides, minimum 12mos 0x30 mortgage/rental pay history.<br>Months Reserves exceed minimum required - 31.49mos reserves. Per guides, 4 reserves required <br>LTV is less than guideline maximum - 70% LTV below max allowed of 75% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 846027 | xxxxxx D A C | Closed | xxxxxx | 2025-08-19 08:43 | 2025-08-26 08:58 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD xxxxxx, disbursement date xxxxxx. Finding resolved. - Due Diligence Vendor-08/26/2025 <br> Ready for Review-Document Uploaded. Please review the PCCD. - Seller-08/25/2025 <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. - Due Diligence Vendor-08/19/2025 | Ready for Review-Document Uploaded. Please review the PCCD. - Seller-08/25/2025<br>| Resolved-Received PCCD xxxxxx, disbursement date xxxxxx. Finding resolved. - Due Diligence Vendor-08/26/2025 | On time mortgage history exceeds guideline requirement - Borrs 102mos 0x30 mortgage pay history. Per guides, minimum 12mos 0x30 mortgage/rental pay history.<br>Months Reserves exceed minimum required - 31.49mos reserves. Per guides, 4 reserves required <br>LTV is less than guideline maximum - 70% LTV below max allowed of 75% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 846141 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 846174 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 846191 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 846192 | xxxxxx C B A | Closed | xxxxxx | 2025-08-19 08:24 | 2025-08-22 16:21 | Resolved | 1 - Information C A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Received final inspection. - Due Diligence Vendor-08/22/2025 <br> Ready for Review-xxxxxx, 1004D can be completed by another licensed appraiser, and it is not mandatory to have it from the same person. - Seller-08/21/2025 <br> Counter-Received 1004 D completed by another appraiser-please clarify as to why another appraiser used. - Due Diligence Vendor-08/20/2025 <br> Ready for Review-Document Uploaded. xxxxxx Please See 1004 D. - Seller-08/19/2025 <br> Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not Present Appraisal made "subject to". Missing 1004D - Due Diligence Vendor-08/19/2025 | Ready for Review-xxxxxx, 1004D can be completed by another licensed appraiser, and it is not mandatory to have it from the same person. - Seller-08/21/2025 <br>Ready for Review-Document Uploaded. xxxxxx Please See 1004 D. - Seller-08/19/2025<br>| Resolved-Received final inspection. - Due Diligence Vendor-08/22/2025<br>| Months Reserves exceed minimum required - Guidelines require 4 months of reserves. Qualifying reserves are 31 months.<br>Qualifying DTI below maximum allowed - Borr DTI 2.84%. Per guides, maximum DTI 49.99%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846192 | xxxxxx C B A | Closed | xxxxxx | 2025-08-13 11:18 | 2025-08-13 12:12 | 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-08/13/2025 |  | Waived-The Home Loan Toolkit disclosure is missing. -----Originator waiver applied to non-material findings. - Due Diligence Vendor-08/13/2025<br>| Months Reserves exceed minimum required - Guidelines require 4 months of reserves. Qualifying reserves are 31 months.<br>Qualifying DTI below maximum allowed - Borr DTI 2.84%. Per guides, maximum DTI 49.99%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 846193 | xxxxxx D B A | Closed | xxxxxx | 2025-08-20 14:59 | 2025-08-26 18:13 | Resolved | 1 - Information D A | Credit | Eligibility | HOA Questionnaire Document is Partially Provided | Resolved-Received Questionnaire and xxxxxx approval - Due Diligence Vendor-08/26/2025 <br> Ready for Review-Document Uploaded. The subject property is located in Phase 3 of the project. While the overall development remains incomplete, Phase 3 has been fully completed. The provided HOA questionnaire reflects accurate and complete information for Phase 3. As the subject property is part of this completed phase, we respectfully request a waiver of the requirement for a full development questionnaire. - Seller-08/25/2025 <br> Counter-Received duplicate condo questionnaire-only reflects phase 3. Original finding remains. - Due Diligence Vendor-08/22/2025 <br> Ready for Review-Document Uploaded. Please refer to the highlighted section in the attached document. The project is legally phased (subject phase # 3), and the subject legal phase 3 is substantially completed. Kindly ask that you reconsider this condition. - Seller-08/21/2025 <br> Open-Subject Property is part of an HOA but the HOA Questionnaire Document is only Partially Provided. For number of units questionnaire is for phase 3 only, not full development - Due Diligence Vendor-08/20/2025 | Ready for Review-Document Uploaded. The subject property is located in Phase 3 of the project. While the overall development remains incomplete, Phase 3 has been fully completed. The provided HOA questionnaire reflects accurate and complete information for Phase 3. As the subject property is part of this completed phase, we respectfully request a waiver of the requirement for a full development questionnaire. - Seller-08/25/2025 <br> Ready for Review-Document Uploaded. Please refer to the highlighted section in the attached document. The project is legally phased (subject phase # 3), and the subject legal phase 3 is substantially completed. Kindly ask that you reconsider this condition. - Seller-08/21/2025 | Resolved-Received Questionnaire and xxxxxx approval - Due Diligence Vendor-08/26/2025<br>| Qualifying DTI below maximum allowed - 37.17% Qualifying DTI below 49.99% maximum allowed<br>Qualifying FICO score is at least 20 points above minimum for program - 738 Qualifying FICO score is at least 20 points above 660 minimum for program |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846193 | xxxxxx D B A | Closed | xxxxxx | 2025-08-15 08:37 | 2025-08-15 09:32 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings - Due Diligence Vendor-08/15/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings - Due Diligence Vendor-08/15/2025<br>| Qualifying DTI below maximum allowed - 37.17% Qualifying DTI below 49.99% maximum allowed<br>Qualifying FICO score is at least 20 points above minimum for program - 738 Qualifying FICO score is at least 20 points above 660 minimum for program |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 846194 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 846195 | xxxxxx D A | Closed | xxxxxx | 2025-08-21 12:59 | 2025-09-03 17:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received tax preparer verification. - Due Diligence Vendor-09/03/2025 <br>Ready for Review-Document Uploaded. cpa - Seller-08/29/2025 <br>Counter-Missing upload. Please provide verification of CPA credentials. - Due Diligence Vendor-08/29/2025 <br>Ready for Review-CPA LETER - Seller-08/28/2025 <br>Open-Borrower 1 CPA Letter Missing Missing CPA verification to confirm documents not prepared by PTINs as they are not acceptable per guideline.<br> - Due Diligence Vendor-08/21/2025 | Ready for Review-Document Uploaded. cpa - Seller-08/29/2025 <br>Ready for Review-CPA LETER - Seller-08/28/2025<br>| Resolved-Received tax preparer verification. - Due Diligence Vendor-09/03/2025<br>| LTV is less than guideline maximum - 85% LTV below max allowed of 90%<br>Qualifying DTI below maximum allowed - • Qualifying DTI of 43.15% less max allowable 49.99% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846195 | xxxxxx D A | Closed | xxxxxx | 2025-08-21 12:59 | 2025-09-03 17:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Received Lender Bank statement worksheet. - Due Diligence Vendor-08/27/2025 <br> Ready for Review-Document Uploaded. statement - Seller-08/25/2025 <br> Counter-Review did not receive upload-please re upload. - Due Diligence Vendor-08/25/2025 <br> Ready for Review-cash flow statement - Seller-08/22/2025 <br> Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing - Due Diligence Vendor-08/21/2025 | Ready for Review-Document Uploaded. statement - Seller-08/25/2025 <br>Ready for Review-cash flow statement - Seller-08/22/2025<br>| Resolved-Received Lender Bank statement worksheet. - Due Diligence Vendor-08/27/2025<br>| LTV is less than guideline maximum - 85% LTV below max allowed of 90%<br>Qualifying DTI below maximum allowed - • Qualifying DTI of 43.15% less max allowable 49.99% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846195 | xxxxxx D A | Closed | xxxxxx | 2025-08-21 12:50 | 2025-08-29 11:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received legible back of Permanent Resident Card. - Due Diligence Vendor-08/29/2025 <br>Ready for Review-Document Uploaded. BACK - Seller-08/28/2025 <br>Open-Borrower Citizenship Documentation Is Missing Back of Permanent Resident card is blurry and not legible - Due Diligence Vendor-08/21/2025 | Ready for Review-Document Uploaded. BACK - Seller-08/28/2025<br>| Resolved-Received legible back of Permanent Resident Card. - Due Diligence Vendor-08/29/2025<br>| LTV is less than guideline maximum - 85% LTV below max allowed of 90%<br>Qualifying DTI below maximum allowed - • Qualifying DTI of 43.15% less max allowable 49.99% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846195 | xxxxxx D A | Closed | xxxxxx | 2025-08-20 06:29 | 2025-08-29 10:53 | Resolved | 1 - Information D A | Credit | Missing Doc | HO-6 Insurance Policy is Missing | Resolved-Received HO6 policy. - Due Diligence Vendor-08/29/2025 <br> Ready for Review-Document Uploaded. SEE HOI - Seller-08/28/2025 <br> Counter-Received Master HOI policy. Please provide HO6 policy reflected on Final CD and 1008 in the amount of xxxxxx monthly. - Due Diligence Vendor-08/27/2025 <br> Ready for Review-Document Uploaded. HOI - Seller-08/25/2025 <br> Counter-Received master HOI policy-please provide HO6 policy. - Due Diligence Vendor-08/25/2025 <br> Ready for Review-Document Uploaded. HOI WITH xxxxxx ON PAGE 7 - Seller-08/22/2025 <br> Open-HO-6 Insurance Policy is Missing Missing HO-6 policy from xxxxxx (per Final CD) - Due Diligence Vendor-08/21/2025 | Ready for Review-Document Uploaded. SEE HOI - Seller-08/28/2025 <br>Ready for Review-Document Uploaded. HOI - Seller-08/25/2025 <br>Ready for Review-Document Uploaded. HOI WITH xxxxxx ON PAGE 7 - Seller-08/22/2025<br>| Resolved-Received HO6 policy. - Due Diligence Vendor-08/29/2025<br>| LTV is less than guideline maximum - 85% LTV below max allowed of 90%<br>Qualifying DTI below maximum allowed - • Qualifying DTI of 43.15% less max allowable 49.99% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846195 | xxxxxx D A | Closed | xxxxxx | 2025-08-21 13:06 | 2025-08-26 10:10 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-After further review, the CPA letter confirms the DBA. - Due Diligence Vendor-08/26/2025 <br> Counter-Received Secretary of State filing history for xxxxxx-missing confirmation of xxxxxx. - Due Diligence Vendor-08/25/2025 <br> Ready for Review-Document Uploaded. one mind third party - Seller-08/22/2025 <br> Open-Missing evidence from a third party that xxxxxx is xxxxxx - Due Diligence Vendor-08/21/2025 | Ready for Review-Document Uploaded. xxxxxx - Seller-08/22/2025 | Resolved-After further review, the CPA letter confirms the DBA. - Due Diligence Vendor-08/26/2025<br>| LTV is less than guideline maximum - 85% LTV below max allowed of 90%<br>Qualifying DTI below maximum allowed - • Qualifying DTI of 43.15% less max allowable 49.99% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846195 | xxxxxx D A | Closed | xxxxxx | 2025-08-20 06:21 | 2025-08-25 16:49 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-Received condo questionnaire. - Due Diligence Vendor-08/25/2025 <br>Ready for Review-Document Uploaded. CONDO QUESTIONAIRE - Seller-08/22/2025 <br>Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. Missing Condo Questionnaire. Additional conditions may apply - Due Diligence Vendor-08/20/2025 | Ready for Review-Document Uploaded. CONDO QUESTIONAIRE - Seller-08/22/2025<br>| Resolved-Received condo questionnaire. - Due Diligence Vendor-08/25/2025<br>| LTV is less than guideline maximum - 85% LTV below max allowed of 90%<br>Qualifying DTI below maximum allowed - • Qualifying DTI of 43.15% less max allowable 49.99% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846195 | xxxxxx D A | Closed | xxxxxx | 2025-08-20 06:43 | 2025-08-25 16:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received credit refresh. - Due Diligence Vendor-08/25/2025 <br>Ready for Review-xxxxxx - Seller-08/22/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-08/20/2025 | Ready for Review-xxxxxx - Seller-08/22/2025<br>| Resolved-Received credit refresh. - Due Diligence Vendor-08/25/2025<br>| LTV is less than guideline maximum - 85% LTV below max allowed of 90%<br>Qualifying DTI below maximum allowed - • Qualifying DTI of 43.15% less max allowable 49.99% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846196 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 846201 | xxxxxx D B A | Closed | xxxxxx | 2025-08-18 16:34 | 2025-08-20 16:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received credit refresh. - Due Diligence Vendor-08/20/2025 <br>Ready for Review-Document Uploaded. xxxxxx attached - Seller-08/19/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Missing Gap Credit Report. - Due Diligence Vendor-08/18/2025 | Ready for Review-Document Uploaded. xxxxxx attached - Seller-08/19/2025<br>| Resolved-Received credit refresh. - Due Diligence Vendor-08/20/2025<br>| Qualifying DTI below maximum allowed - Borr DTI 7.46%. Per guides, maximum DTI 49.99%.<br>Months Reserves exceed minimum required - 11.67mos reserves. Per guides, 4 reserves required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846201 | xxxxxx D B A | Closed | xxxxxx | 2025-08-13 12:43 | 2025-08-13 12:43 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings - Due Diligence Vendor-08/13/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings - Due Diligence Vendor-08/13/2025<br>| Qualifying DTI below maximum allowed - Borr DTI 7.46%. Per guides, maximum DTI 49.99%.<br>Months Reserves exceed minimum required - 11.67mos reserves. Per guides, 4 reserves required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 846236 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 846242 | xxxxxx C A | Closed | xxxxxx | 2025-09-19 21:18 | 2025-10-01 14:39 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received LOE - Due Diligence Vendor-10/01/2025 <br>Open-LOX for credit inquiries is missing. Missing Lender required LOE for credit inquiries - Due Diligence Vendor-09/20/2025 |  | Resolved-Received LOE - Due Diligence Vendor-10/01/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 765; guidelines requires 680<br>Qualifying DTI below maximum allowed - Qualifying DTI 16.45%; max allowable 43% DTI |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846243 | xxxxxx B A | Closed | xxxxxx | 2025-09-29 18:00 | 2025-09-30 10:58 | 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'). ----- Client waiver applied to non-material finding. - Due Diligence Vendor-09/30/2025 |  | 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'). ----- Client waiver applied to non-material finding. - Due Diligence Vendor-09/30/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - MAX FICO SCORE REQUIREMENT 660 / BORROWER SCROE 701<br>Qualifying DTI below maximum allowed - MAX DTI 50% / SUBJECT IS 39% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 846245 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 846247 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 846259 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 846260 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 846261 | xxxxxx C A | Closed | xxxxxx | 2025-09-12 16:01 | 2025-09-18 12:04 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received Short Form Title w/sufficient coverage. - Due Diligence Vendor-09/18/2025 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Title coverage per the title commitment is xxxxxx, the loan amount is xxxxxx - Due Diligence Vendor-09/12/2025 |  | Resolved-Received Short Form Title w/sufficient coverage. - Due Diligence Vendor-09/18/2025 | Months Reserves exceed minimum required - The verified reserves equal 14.67 months, guidelines require 3 months. <br> Qualifying DTI below maximum allowed - Calculated DTI is 31.16%, max allowed is 50%. |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846261 | xxxxxx C A | Closed | xxxxxx | 2025-09-09 14:51 | 2025-09-17 14:23 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Mortgage w/Legal - Due Diligence Vendor-09/17/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Mortgage is missing the legal description. - Due Diligence Vendor-09/09/2025 |  | Resolved-Received Mortgage w/Legal - Due Diligence Vendor-09/17/2025 | Months Reserves exceed minimum required - The verified reserves equal 14.67 months, guidelines require 3 months. <br>Qualifying DTI below maximum allowed - Calculated DTI is 31.16%, max allowed is 50%. |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846263 | xxxxxx C A | Closed | xxxxxx | 2025-09-15 13:45 | 2025-09-22 11:21 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-09/22/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing legal - Due Diligence Vendor-09/15/2025 |  | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-09/22/2025 | Qualifying FICO score is at least 20 points above minimum for program - 704 vs. min FICO 680<br>Qualifying DTI below maximum allowed - 28% DTI vs. max DTI 50% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846273 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 846301 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 846302 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 846385 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 846397 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 846400 | xxxxxx D A | Closed | xxxxxx | 2025-09-17 04:47 | 2025-09-25 11:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received corrected final 1003 reflecting non perm resident alien. - Due Diligence Vendor-09/25/2025 <br> Open-Borrower Citizenship Documentation Is Missing Missing evidence that borrower is xxxxxx. Although 1003 notes xxxxxx, file includes EAD card (PDF 28). Additional findings may apply. - Due Diligence Vendor-09/17/2025 |  | Resolved-Received corrected final 1003 reflecting non perm resident alien. - Due Diligence Vendor-09/25/2025 | LTV is less than guideline maximum - 75% LTV is less than 80% maximum. <br> Qualifying FICO score is at least 20 points above minimum for program - 747 FICO exceeds 660 minimum required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 846419 | xxxxxx C A | Closed | xxxxxx | 2025-09-16 16:13 | 2025-09-24 12:05 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Received HOI coverage confirming replacement cost and 100% replacement. - Due Diligence Vendor-09/24/2025 <br> Open-Insufficient Coverage Amount for Insured Subject Property. - Due Diligence Vendor-09/17/2025 |  | Resolved-Received HOI coverage confirming replacement cost and 100% replacement. - Due Diligence Vendor-09/24/2025 | Months Reserves exceed minimum required - 18.47 mos reserves. 6 mos required<br>Qualifying DTI below maximum allowed - Borr DTI 37.94%. Per guides, maximum DTI 50%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846427 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 846450 | xxxxxx C B A | Closed | xxxxxx | 2025-09-11 14:34 | 2025-09-26 13:18 | Resolved | 1 - Information C A | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Resolved-Received complete statement. - Due Diligence Vendor-09/26/2025 <br> Counter-Transaction history provided, Please provide the Full Bank Statement - Due Diligence Vendor-09/22/2025 <br> Open-Asset Record 3 Does Not Meet G/L Requirements Missing the Full Bank Statement for the account ending in X8509. - Due Diligence Vendor-09/11/2025 |  | Resolved-Received complete statement. - Due Diligence Vendor-09/26/2025 | Months Reserves exceed minimum required - The Borrower has reserves in the amount of 41.78 months; guideline minimum is 3 months.<br>Qualifying FICO score is at least 20 points above minimum for program - The Borrowers FICO Score 769; guideline minimum is 680. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846450 | xxxxxx C B A | Closed | xxxxxx | 2025-09-09 14:18 | 2025-09-10 07:28 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. Client waiver applied to non-material Findings. - Due Diligence Vendor-09/10/2025 |  | Waived-The Home Loan Toolkit disclosure is missing. Client waiver applied to non-material Findings. - Due Diligence Vendor-09/10/2025 | Months Reserves exceed minimum required - The Borrower has reserves in the amount of 41.78 months; guideline minimum is 3 months.<br>Qualifying FICO score is at least 20 points above minimum for program - The Borrowers FICO Score 769; guideline minimum is 680. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 846479 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 846502 | xxxxxx D A | Closed | xxxxxx | 2025-09-15 13:14 | 2025-09-16 12:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-After further review, the gap credit is not required per guides. - Due Diligence Vendor-09/16/2025 <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-09/15/2025 |  | Resolved-After further review, the gap credit is not required per guides. - Due Diligence Vendor-09/16/2025 | Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 766 with required 680<br>Months Reserves exceed minimum required - 17 months reserves exceed require 5 months |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846560 | xxxxxx C A | Closed | xxxxxx | 2025-09-16 08:40 | 2025-09-29 11:17 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received COC xxxxxx with explanation of increase. Finding resolved. - Due Diligence Vendor-09/29/2025 <br> Counter-Received COC dated xxxxxx which is in file and does not disclose reason the appraisal fee increase was required. Provide valid COC or evidence of refund to borrower. - Due Diligence Vendor-09/24/2025 <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 $.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 $225 (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 $225, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 1 year- Expiration date is xxxxxx. - Due Diligence Vendor-09/16/2025 |  | Resolved-Received COC xxxxxx with explanation of increase. Finding resolved. - Due Diligence Vendor-09/29/2025 | Qualifying DTI below maximum allowed - 22% vs. max 50%<br>Qualifying FICO score is at least 20 points above minimum for program - 733 vs. min FICO of 680 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846560 | xxxxxx C A | Closed | xxxxxx | 2025-09-16 09:57 | 2025-09-18 15:44 | Resolved | 1 - Information B A | Compliance | State Reg | xxxxxx Subprime Loan Test | Resolved-Compliant xxxxxx Subprime- APR on subject loan of 8.748% is within allowable threshold of APOR of 6.61% + 1.75% or 8.36%. - Due Diligence Vendor-09/18/2025 <br> Open-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR Compliant xxxxxx Subprime- APR on subject loan of 8.748% is within allowable threshold of APOR of 6.61% + 1.75% or 8.36%. - Due Diligence Vendor-09/16/2025 |  | Resolved-Compliant xxxxxx Subprime- APR on subject loan of 8.748% is within allowable threshold of APOR of 6.61% + 1.75% or 8.36%. - Due Diligence Vendor-09/18/2025 | Qualifying DTI below maximum allowed - 22% vs. max 50%<br>Qualifying FICO score is at least 20 points above minimum for program - 733 vs. min FICO of 680 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846563 | xxxxxx D A C | Closed | xxxxxx | 2025-08-27 13:59 | 2025-09-03 17:55 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received Supplemental Report w/sufficient coverage. - Due Diligence Vendor-09/03/2025 <br> Ready for Review-Document Uploaded. Title suppleent - Seller-08/29/2025 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Title coverage is xxxxxx and loan amount is xxxxxx - Due Diligence Vendor-08/27/2025 | Ready for Review-Document Uploaded. Title suppleent - Seller-08/29/2025<br>| Resolved-Received Supplemental Report w/sufficient coverage. - Due Diligence Vendor-09/03/2025 | Qualifying FICO score is at least 20 points above minimum for program - Fico score is 717 and minimum is 660<br>LTV is less than guideline maximum - LRV is 74.78% maximum LTV is 80% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846563 | xxxxxx D A C | Closed | xxxxxx | 2025-08-26 15:15 | 2025-09-02 10:25 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD with disbursement date after ROR expiration. Finding resolved. - Due Diligence Vendor-09/02/2025 <br> Ready for Review-Document Uploaded. PCCD - Seller-08/28/2025 <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. - Due Diligence Vendor-08/26/2025 | Ready for Review-Document Uploaded. PCCD - Seller-08/28/2025<br>| Resolved-Received PCCD with disbursement date after ROR expiration. Finding resolved. - Due Diligence Vendor-09/02/2025 | Qualifying FICO score is at least 20 points above minimum for program - Fico score is 717 and minimum is 660<br>LTV is less than guideline maximum - LRV is 74.78% maximum LTV is 80% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846563 | xxxxxx D A C | Closed | xxxxxx | 2025-08-27 15:25 | 2025-08-29 17:03 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received Fraud report with all interested parties check with exclusionary list. - Due Diligence Vendor-08/29/2025 <br> Ready for Review-SEE xxxxxx - Seller-08/28/2025 <br> Open-All Interested Parties Not Checked with Exclusionary Lists Missing Fraud report - Due Diligence Vendor-08/27/2025 | Ready for Review-SEE xxxxxx - Seller-08/28/2025<br>| Resolved-Received Fraud report with all interested parties check with exclusionary list. - Due Diligence Vendor-08/29/2025 | Qualifying FICO score is at least 20 points above minimum for program - Fico score is 717 and minimum is 660<br>LTV is less than guideline maximum - LRV is 74.78% maximum LTV is 80% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846563 | xxxxxx D A C | Closed | xxxxxx | 2025-08-27 15:25 | 2025-08-29 14:13 | Resolved | 1 - Information C A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-Received Fraud report with OFAC checked. - Due Diligence Vendor-08/29/2025 <br> Ready for Review-xxxxxx - Seller-08/28/2025 <br> Open-OFAC Check Not Completed and/or Cleared Missing Fraud report - Due Diligence Vendor-08/27/2025 | Ready for Review-xxxxxx - Seller-08/28/2025<br>| Resolved-Received Fraud report with OFAC checked. - Due Diligence Vendor-08/29/2025 | Qualifying FICO score is at least 20 points above minimum for program - Fico score is 717 and minimum is 660<br>LTV is less than guideline maximum - LRV is 74.78% maximum LTV is 80% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846563 | xxxxxx D A C | Closed | xxxxxx | 2025-08-27 15:25 | 2025-08-29 14:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received Fraud report. - Due Diligence Vendor-08/29/2025 <br> Ready for Review-Document Uploaded. xxxxxx - Seller-08/28/2025 <br> Open-Missing Third Party Fraud Report Missing Fraud report - Due Diligence Vendor-08/27/2025 | Ready for Review-Document Uploaded. xxxxxx - Seller-08/28/2025<br>| Resolved-Received Fraud report. - Due Diligence Vendor-08/29/2025 | Qualifying FICO score is at least 20 points above minimum for program - Fico score is 717 and minimum is 660<br>LTV is less than guideline maximum - LRV is 74.78% maximum LTV is 80% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846563 | xxxxxx D A C | Closed | xxxxxx | 2025-08-27 15:19 | 2025-08-29 13:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap report. - Due Diligence Vendor-08/29/2025 <br> Ready for Review-Document Uploaded. gap rpt - Seller-08/28/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Missing Gap Credit - Due Diligence Vendor-08/27/2025 | Ready for Review-Document Uploaded. gap rpt - Seller-08/28/2025<br>| Resolved-Received Gap report. - Due Diligence Vendor-08/29/2025 | Qualifying FICO score is at least 20 points above minimum for program - Fico score is 717 and minimum is 660<br>LTV is less than guideline maximum - LRV is 74.78% maximum LTV is 80% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846565 | xxxxxx C B A | Closed | xxxxxx | 2025-08-29 08:23 | 2025-08-29 08:26 | Resolved | 1 - Information C A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-Client provided LOE to explain the gap on the 1003- condition resolved - Due Diligence Vendor-08/29/2025 <br> Open-The final 1003 reflects an employment gap from 5/31/2023 to 2/6/2024, or 8 months. - Due Diligence Vendor-08/29/2025 |  | Resolved-Client provided LOE to explain the gap on the 1003- condition resolved - Due Diligence Vendor-08/29/2025 | Months Reserves exceed minimum required - Total qualifying 33 months reserves; 0 months reserves required<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 792 and Guideline minimum 660 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846565 | xxxxxx C B A | Closed | xxxxxx | 2025-08-20 14:31 | 2025-08-20 14:47 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-08/20/2025 |  | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-08/20/2025 | Months Reserves exceed minimum required - Total qualifying 33 months reserves; 0 months reserves required<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 792 and Guideline minimum 660 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | xxxxxx |
| 846566 | xxxxxx C B A | Closed | xxxxxx | 2025-09-19 10:37 | 2025-09-19 10:38 | Resolved | 1 - Information C A | Credit | Eligibility | Condo project has pending litigation | Resolved-This case is covered by insurance. - Due Diligence Vendor-09/19/2025 <br> Open-Court Case Involving an individual who was driving xxxxxx, which in turn caused the Plaintiff to fall as he exited the bus. - Due Diligence Vendor-09/19/2025 |  | Resolved-This case is covered by insurance. - Due Diligence Vendor-09/19/2025 | Qualifying FICO score is at least 20 points above minimum for program - The Borrower FICO score is 798; guideline minimum is 680 @ 90%. The current LTV is 70%.<br>Months Reserves exceed minimum required - The Borrower has 24.14 in reserves; guideline minimum is 6 months. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846566 | xxxxxx C B A | Closed | xxxxxx | 2025-09-16 12:01 | 2025-09-19 10:32 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-xxxxxx project does not meet minimum insurance requirements; Client exception in file with compensating factors; blanket client waiver for non-material finding is approved. - Due Diligence Vendor-09/25/2025 <br> Open-Approved Exception requested; Insufficient Property Coverage for total of units in the project on the Mater Policy. - Due Diligence Vendor-09/16/2025 |  | Waived-xxxxxx project does not meet minimum insurance requirements; Client exception in file with compensating factors; blanket client waiver for non-material finding is approved. - Due Diligence Vendor-09/25/2025 | Qualifying FICO score is at least 20 points above minimum for program - The Borrower FICO score is 798; guideline minimum is 680 @ 90%. The current LTV is 70%.<br>Months Reserves exceed minimum required - The Borrower has 24.14 in reserves; guideline minimum is 6 months. | Internal only Credit + 10 points; Minimum required 680 <br> CLTV 5% or more below the maximum allowed under applicable guidelines. 70% (90). | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 846568 | xxxxxx D B A | Closed | xxxxxx | 2025-08-26 11:39 | 2025-08-29 15:24 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated 1003 provided with address added as former address. - Due Diligence Vendor-08/29/2025 <br> Counter-Received Fraud Report, but upload did not include documents needed to clear high alerts. Mailing address listed as xxxxxx and noted address is also listed on CBR as of xxxxxx. - Due Diligence Vendor-08/28/2025 <br> Ready for Review-Document Uploaded. xxxxxx, please see Clear Alerts for xxxxxx - Seller-08/27/2025 <br> Open-Fraud Report Shows Uncleared Alerts Fraud Report Shows Uncleared HIGH Alerts - Due Diligence Vendor-08/26/2025 | Ready for Review-Document Uploaded. xxxxxx, please see Clear Alerts for xxxxxx - Seller-08/27/2025 | Resolved-Updated 1003 provided with address added as former address. - Due Diligence Vendor-08/29/2025 | Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 709. Per guides, minimum score required 660.<br>Qualifying DTI below maximum allowed - Borr DTI 24.77%. Per guides, maximum DTI 49.99%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846568 | xxxxxx D B A | Closed | xxxxxx | 2025-08-22 16:18 | 2025-08-28 15:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap report. - Due Diligence Vendor-08/28/2025 <br> Ready for Review-Document Uploaded. xxxxxx, Please See xxxxxx - Seller-08/26/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Missing Gap Credit Report. - Due Diligence Vendor-08/22/2025 | Ready for Review-Document Uploaded. xxxxxx, Please See xxxxxx - Seller-08/26/2025 | Resolved-Received Gap report. - Due Diligence Vendor-08/28/2025 | Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 709. Per guides, minimum score required 660.<br>Qualifying DTI below maximum allowed - Borr DTI 24.77%. Per guides, maximum DTI 49.99%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846568 | xxxxxx D B A | Closed | xxxxxx | 2025-08-22 16:18 | 2025-08-28 15:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Received Gap report. - Due Diligence Vendor-08/28/2025 <br> Ready for Review-Document Uploaded. xxxxxx please see xxxxxx for co bororwer. - Seller-08/26/2025 <br> Open-Borrower 2 Gap Credit Report is Missing Missing Gap Credit Report. - Due Diligence Vendor-08/22/2025 | Ready for Review-Document Uploaded. xxxxxx please see xxxxxx for co bororwer. - Seller-08/26/2025 | Resolved-Received Gap report. - Due Diligence Vendor-08/28/2025 | Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 709. Per guides, minimum score required 660.<br>Qualifying DTI below maximum allowed - Borr DTI 24.77%. Per guides, maximum DTI 49.99%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846568 | xxxxxx D B A | Closed | xxxxxx | 2025-08-22 16:10 | 2025-08-28 15:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received B1 VVOE dated xxxxxx. - Due Diligence Vendor-08/28/2025 <br> Ready for Review-Document Uploaded. xxxxxx Please See VVOE for bOrrower 1 - Seller-08/26/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing Borrower 1 3rd Party VOE Prior to Close. Per guides pg19, Income must be verbally verified within:<br> 10 days prior to the note date (xxxxxx). - Due Diligence Vendor-08/22/2025 | Ready for Review-Document Uploaded. xxxxxx Please See VVOE for bOrrower 1 - Seller-08/26/2025 | Resolved-Received B1 VVOE dated xxxxxx. - Due Diligence Vendor-08/28/2025 | Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 709. Per guides, minimum score required 660.<br>Qualifying DTI below maximum allowed - Borr DTI 24.77%. Per guides, maximum DTI 49.99%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846568 | xxxxxx D B A | Closed | xxxxxx | 2025-08-20 15:28 | 2025-08-28 10:01 | Waived | 2 - Non-Material D B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Received SPL with statement of no affiliation. Originator waiver applied to non material finding. - Due Diligence Vendor-08/28/2025 <br> Ready for Review-Document Uploaded. Please see WSSPL - Seller-08/27/2025 <br> Open-Required Affiliated Business Disclosure Missing ----- Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt. - Due Diligence Vendor-08/20/2025 | Ready for Review-Document Uploaded. Please see WSSPL - Seller-08/27/2025 | Waived-Received SPL with statement of no affiliation. Originator waiver applied to non material finding. - Due Diligence Vendor-08/28/2025 | Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 709. Per guides, minimum score required 660.<br>Qualifying DTI below maximum allowed - Borr DTI 24.77%. Per guides, maximum DTI 49.99%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | xxxxxx |
| 846571 | xxxxxx C A | Closed | xxxxxx | 2025-08-26 13:45 | 2025-08-29 09:59 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Received proof of CD withdrawal. VOD is acceptable per guideline. - Due Diligence Vendor-08/29/2025 <br> Ready for Review-Document Uploaded. please see CD withdrawal confirmation - Seller-08/28/2025 <br> Counter-Asset Record 1 Does Not Meet G/L Requirements Received LOX that indicate xxxxxx account opened less than 30 days by doing a CD withdrawal. Borrower to provide proof of CD withdrawal to confirm source of funds. - Due Diligence Vendor-08/28/2025 <br> Ready for Review-Document Uploaded. xxxxxx xxxxxx is newly opened on xxxxxx (as you can see in the attachment). Therefore, there was no monthly bank statement at the time of underwriting but you can check the account information with the attachment. Could you please check and see if we can clear this condition? - Seller-08/27/2025 <br> Open-Asset Record 1 Does Not Meet G/L Requirements Missing evidence of actual bank statement reflecting full 30 days and owner of the account. - Due Diligence Vendor-08/26/2025 | Ready for Review-Document Uploaded. please see CD withdrawal confirmation - Seller-08/28/2025 <br> Ready for Review-Document Uploaded. xxxxxx xxxxxx is newly opened on 7/26/2025 (as you can see in the attachment). Therefore, there was no monthly bank statement at the time of underwriting but you can check the account information with the attachment. Could you please check and see if we can clear this condition? - Seller-08/27/2025 | Resolved-Received proof of CD withdrawal. VOD is acceptable per guideline. - Due Diligence Vendor-08/29/2025 | Qualifying DTI below maximum allowed - Borr DTI 38.04%. Per guides, maximum DTI 49.99%.<br>Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 701. Per guides, minimum score required 660. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846571 | xxxxxx C A | Closed | xxxxxx | 2025-08-26 13:45 | 2025-08-29 09:59 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Received gift letter and proof of wire receipt for transfer of funds. - Due Diligence Vendor-08/28/2025 <br> Ready for Review-Document Uploaded. please see updated gift letter with the amount of $40k and the proof of wire transfer. - Seller-08/27/2025 <br> Open-Asset Record 2 Does Not Meet G/L Requirements Missing evidence of receipt of the gift funds. - Due Diligence Vendor-08/26/2025 | Ready for Review-Document Uploaded. please see updated gift letter with the amount of $40k and the proof of wire transfer. - Seller-08/27/2025 | Resolved-Received gift letter and proof of wire receipt for transfer of funds. - Due Diligence Vendor-08/28/2025 | Qualifying DTI below maximum allowed - Borr DTI 38.04%. Per guides, maximum DTI 49.99%.<br>Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 701. Per guides, minimum score required 660. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846573 | xxxxxx C B A | Closed | xxxxxx | 2025-08-28 16:54 | 2025-09-04 11:13 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-After further review, the borrower has been on title since xxxxxx. The grant deed is from the borrower and another individual to only the borrower. The lien being paid off was taken out by a previous individuals on title. There are no guidelines restricting paying off a lien on the property in another individuals name. - Due Diligence Vendor-09/04/2025 <br> Counter-Received escrow instructions-finding remains-Property Title Issue The title commitment is veted in the name of xxxxxx and xxxxxx, grant deed in the file transferring title to xxxxxx. Mortgage statement for the loan being pasid off at closing is in the name of xxxxxx. Missing documentation support trasfer of title from xxxxxx to xxxxxx and xxxxxx. - Due Diligence Vendor-09/02/2025 <br> Ready for Review-Document Uploaded. the amended vesting is to read as "xxxxxx, a single woman" - Seller-08/28/2025 <br> Open-Property Title Issue The title commitment is veted in the name of xxxxxx and xxxxxx, grant deed in the file transferring title to xxxxxx. Mortgage statement for the loan being pasid off at closing is in the name of xxxxxx. Missing documentation support trasfer of title from xxxxxx to xxxxxx and xxxxxx. - Due Diligence Vendor-08/28/2025 | Ready for Review-Document Uploaded. the amended vesting is to read as "xxxxxx, a single woman" - Seller-08/28/2025 | Resolved-After further review, the borrower has been on title since xxxxxx. The grant deed is from the borrower and another individual to only the borrower. The lien being paid off was taken out by a previous individuals on title. There are no guidelines restricting paying off a lien on the property in another individuals name. - Due Diligence Vendor-09/04/2025 | Qualifying DTI below maximum allowed - Qualifying DTI 37.32%; max allowable 49.99%<br>Months Reserves exceed minimum required - 60.25 months reserves; 0 months reserves required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 846573 | xxxxxx C B A | Closed | xxxxxx | 2025-08-28 16:50 | 2025-09-04 11:11 | Resolved | 1 - Information C A | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Resolved-After further review, the borrower has been on title since xxxxxx. The grant deed is from the borrower and another individual to only the borrower. The lien being paid off was taken out by a previous individuals on title. There are no guidelines restricting paying off a lien on the property in another individuals name. - Due Diligence Vendor-09/04/2025 <br> Counter-Cash Out guideline 9.3-finding remains-Per the guidelines, The property must have been purchased by the borrower at least six months prior to the loan Note. The file contains a grant deed transferring the property from xxxxxx and xxxxxx(borrower to the borrower which is dated xxxxxx and notarized on xxxxxx. The closing date is xxxxxx. Loan does not meet the seasoning requirement for a cash out refinance. - Due Diligence Vendor-09/02/2025 <br> Ready for Review-Our guidelines do not specify when the borrower needs to be on title. The borrower was on title at the time of closing and the borrower have resided in the subject property for 6 or more months preceding the application date which meets the guidelines. Please waive this condition. - Seller-08/28/2025 <br> Open-Subject is a cash out refinance. The mortgage being paid at closing is in the name of xxxxxx. Rent free letter in the file states the borrower has been lived in the subject property free and clear. Per the guidelines, The property must have been purchased by the borrower at least six months prior to the loan Note. The file contains a grant deed transferring the property from xxxxxx and xxxxxx(borrower to the borrower whih is dated xxxxxx and notarized on xxxxxx. The closing date is xxxxxx. Loan does not meet the seasoning requirement for a cash out refinance. - Due Diligence Vendor-08/28/2025 | Ready for Review-Our guidelines do not specify when the borrower needs to be on title. The borrower was on title at the time of closing and the borrower have resided in the subject property for 6 or more months preceding the application date which meets the guidelines. Please waive this condition. - Seller-08/28/2025 | Resolved-After further review, the borrower has been on title since xxxxxx. The grant deed is from the borrower and another individual to only the borrower. The lien being paid off was taken out by a previous individuals on title. There are no guidelines restricting paying off a lien on the property in another individuals name. - Due Diligence Vendor-09/04/2025 | Qualifying DTI below maximum allowed - Qualifying DTI 37.32%; max allowable 49.99%<br>Months Reserves exceed minimum required - 60.25 months reserves; 0 months reserves required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 846573 | xxxxxx C B A | Closed | xxxxxx | 2025-08-27 23:38 | 2025-09-02 14:41 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received supporting documentation for fraud alert clearances. - Due Diligence Vendor-09/02/2025 <br> Ready for Review-Document Uploaded. please see attached - Seller-08/28/2025 <br> Open-Fraud Report Shows Uncleared Alerts Fraud report reflects a possible match for the escrow officer(xxxxxx) is a possible match on the xxxxxx Exclusionary list. No documentation to support the alert has been cleared. - Due Diligence Vendor-08/28/2025 | Ready for Review-Document Uploaded. please see attached - Seller-08/28/2025 | Resolved-Received supporting documentation for fraud alert clearances. - Due Diligence Vendor-09/02/2025 | Qualifying DTI below maximum allowed - Qualifying DTI 37.32%; max allowable 49.99%<br>Months Reserves exceed minimum required - 60.25 months reserves; 0 months reserves required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 846573 | xxxxxx C B A | Closed | xxxxxx | 2025-08-26 16:30 | 2025-08-26 16:30 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-08/26/2025 |  | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-08/26/2025 | Qualifying DTI below maximum allowed - Qualifying DTI 37.32%; max allowable 49.99%<br>Months Reserves exceed minimum required - 60.25 months reserves; 0 months reserves required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 846633 | xxxxxx C B A | Closed | xxxxxx | 2025-08-30 11:42 | 2025-09-02 10:39 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Updated fraud report provided with all parties run through the exclusionary lists - Due Diligence Vendor-09/02/2025 <br> Ready for Review-Document Uploaded. Regarding the borrower's Employment Authorization Document (EAD), category C08 is valid for asylum applicants and demonstrates lawful presence and work eligibility in the xxxxxx The current EAD card is in the file as required.<br>Given that the xxxxxx Fraud Report has cleared all searches and the EAD is valid, we believe no additional proof or documentation is required beyond what is already in the file. Please correct me if I am mistaken or if there is an overlay specific to your guidelines that requires more. <br> Could you please review the points above and consider waiving this condition? For your reference, I've attached the xxxxxx Fraud Report, which was already included in the closing package and confirms that all exclusionary list searches were performed with no findings. - Seller-09/01/2025 <br> Open-All Interested Parties Not Checked with Exclusionary Lists EAD card reflects C08 (borrower granted asylum). - Due Diligence Vendor-08/30/2025 | Ready for Review-Document Uploaded. Regarding the borrower's Employment Authorization Document (EAD), category C08 is valid for asylum applicants and demonstrates lawful presence and work eligibility in the xxxxxx The current EAD card is in the file as required.<br>Given that the xxxxxx Fraud Report has cleared all searches and the EAD is valid, we believe no additional proof or documentation is required beyond what is already in the file. Please correct me if I am mistaken or if there is an overlay specific to your guidelines that requires more. <br> Could you please review the points above and consider waiving this condition? For your reference, I've attached the xxxxxx Fraud Report, which was already included in the closing package and confirms that all exclusionary list searches were performed with no findings. - Seller-09/01/2025 | Resolved-Updated fraud report provided with all parties run through the exclusionary lists - Due Diligence Vendor-09/02/2025 | Months Reserves exceed minimum required - Total qualifying 6.35 months reserves; 4 months reserves required<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 702 and Guideline minimum 680<br>Qualifying DTI below maximum allowed - 16.00% DTI, max allowed is 49.99%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846633 | xxxxxx C B A | Closed | xxxxxx | 2025-08-26 14:54 | 2025-08-26 14:54 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings - Due Diligence Vendor-08/26/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings - Due Diligence Vendor-08/26/2025 | Months Reserves exceed minimum required - Total qualifying 6.35 months reserves; 4 months reserves required<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 702 and Guideline minimum 680<br>Qualifying DTI below maximum allowed - 16.00% DTI, max allowed is 49.99%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 846635 | xxxxxx C A | Closed | xxxxxx | 2025-08-25 13:09 | 2025-09-03 18:40 | Resolved | 1 - Information C A | Credit | Eligibility | Tradelines do not meet Guideline Requirements | Resolved-Upon further review, borrower has 3 credit scores, tradeline requirement is waived. - Due Diligence Vendor-09/03/2025 <br> Ready for Review-• If any one of the borrowers has three (3) credit scores, the minimum tradeline requirement is waived<br> Please waive this condition. - Seller-09/01/2025 <br> Open-The Tradelines for the borrower(s) do not meet the guideline requirements. Credit reflects 1 active tradeline reporting 15mos. Per guidelines pg22, Min: 2 reporting 24-months activity in the last 12- months or 3 reporting 12-months w/recent activity. - Due Diligence Vendor-08/25/2025 | Ready for Review-• If any one of the borrowers has three (3) credit scores, the minimum tradeline requirement is waived<br> Please waive this condition. - Seller-09/01/2025 | Resolved-Upon further review, borrower has 3 credit scores, tradeline requirement is waived. - Due Diligence Vendor-09/03/2025 | Months Reserves exceed minimum required - 15.36mos reserves. Per guides, 4 reserves required <br>Qualifying DTI below maximum allowed - 44.56% DTI is below max of 49.99% |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846637 | xxxxxx B A | Closed | xxxxxx | 2025-08-25 11:56 | 2025-08-25 12:06 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-08/25/2025 |  | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-08/25/2025 | Qualifying DTI below maximum allowed - DTI for borrower is 18.03% maximum DTI is 49.99%<br>LTV is less than guideline maximum - LTV is 38.1% and maximum is 75% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx |
| 846642 | xxxxxx D A | Closed | xxxxxx | 2025-10-01 16:39 | 2025-10-06 12:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Secondary Valuation product is dated prior to the Appraisal date | Resolved-Received SSR's with a CU and LCA score of 2. - Due Diligence Vendor-10/06/2025 <br> Open-One or more of the additional valuation products were completed prior to the Primary Valuation product date. The LCA is dated after the appraisal that was provided. Same appraiser and same value. Lender to clarify if there is another appraisal. - Due Diligence Vendor-10/01/2025 |  | Resolved-Received SSR's with a CU and LCA score of 2. - Due Diligence Vendor-10/06/2025 | LTV is less than guideline maximum - 63.11% LTV vs. 75%<br>Months Reserves exceed minimum required - >21 months vs. 0 required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 846642 | xxxxxx D A | Closed | xxxxxx | 2025-10-01 16:30 | 2025-10-06 12:02 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received Business Purpose and Occupancy Affidavit - Due Diligence Vendor-10/06/2025 <br> Open-The Business Purpose Affidavit Disclosure is Missing - Due Diligence Vendor-10/01/2025 |  | Resolved-Received Business Purpose and Occupancy Affidavit - Due Diligence Vendor-10/06/2025 | LTV is less than guideline maximum - 63.11% LTV vs. 75%<br>Months Reserves exceed minimum required - >21 months vs. 0 required |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 846656 | xxxxxx D A | Closed | xxxxxx | 2025-09-22 16:25 | 2025-09-25 12:07 | Resolved | 1 - Information C A | Credit | Eligibility | Unpaid taxes on subject property | Resolved-Received seller settlement statement reflecting delinquent taxes paid. - Due Diligence Vendor-09/25/2025 <br> Ready for Review-Document Uploaded. uploaded final settlement statement evidencing default taxes being paid thru seller net proceeds. - Seller-09/23/2025 <br> Open-The subject property is not current on taxes. Provide evidence that the delinquent property taxes were all paid prior to closing (p. 868). - Due Diligence Vendor-09/22/2025 | Ready for Review-Document Uploaded. uploaded final settlement statement evidencing default taxes being paid thru seller net proceeds. - Seller-09/23/2025 | Resolved-Received seller settlement statement reflecting delinquent taxes paid. - Due Diligence Vendor-09/25/2025 | Qualifying FICO score is at least 20 points above minimum for program - FICO IS 694, MINIMUM IS 660<br>Months Reserves exceed minimum required - 28.67 months reserves with 6 months min |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846656 | xxxxxx D A | Closed | xxxxxx | 2025-09-22 12:54 | 2025-09-24 09:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-The VVOE was provided. - Due Diligence Vendor-09/23/2025 <br> Ready for Review-VOE was uploaded with the credit file- page 324. - Seller-09/23/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing VVOE - Due Diligence Vendor-09/22/2025 | Ready for Review-VOE was uploaded with the credit file- page 324. - Seller-09/23/2025 | Resolved-The VVOE was provided. - Due Diligence Vendor-09/23/2025 | Qualifying FICO score is at least 20 points above minimum for program - FICO IS 694, MINIMUM IS 660<br>Months Reserves exceed minimum required - 28.67 months reserves with 6 months min |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846736 | xxxxxx C A | Closed | xxxxxx | 2025-09-17 15:39 | 2025-09-24 12:01 | Resolved | 1 - Information C A | Credit | Eligibility | Tradelines do not meet Guideline Requirements | Resolved-Received Approve/Eligible DU. - Due Diligence Vendor-09/24/2025 <br> Open-The Tradelines for the borrower(s) do not meet the guideline requirements. No Approved DU in file as guides require. - Due Diligence Vendor-09/17/2025 |  | Resolved-Received Approve/Eligible DU. - Due Diligence Vendor-09/24/2025 | Months Reserves exceed minimum required - Reserves = 21.21 months – Required Reserves = 3 Months<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 731 Min FICO = 680 |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846750 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 846755 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 846758 | xxxxxx D A B | Closed | xxxxxx | 2025-09-12 13:17 | 2025-09-24 16:06 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Lender LOX received confirming no affiliates. - Due Diligence Vendor-09/24/2025 |  | Resolved-Lender LOX received confirming no affiliates. - Due Diligence Vendor-09/24/2025 | Qualifying DTI below maximum allowed - Qualifying DTI 37.18 is less than the guideline max of 50.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 709 is more than 20 points higher than the guideline min of 680. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846758 | xxxxxx D A B | Closed | xxxxxx | 2025-09-17 08:46 | 2025-09-24 12:19 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Received PCCD. Rate/Term. - Due Diligence Vendor-09/24/2025 <br> Counter-Document was not attached. - Due Diligence Vendor-09/23/2025 <br> Counter-Settlement statement provided. Primary residence, please provide the PCCD. - Due Diligence Vendor-09/19/2025 <br> Open-Audited LTV of 74.27% exceeds Guideline LTV of 70% Over $5K cash back to borrower considered cash out-max 70% for P&L. - Due Diligence Vendor-09/17/2025 |  | Resolved-Received PCCD. Rate/Term. - Due Diligence Vendor-09/24/2025 | Qualifying DTI below maximum allowed - Qualifying DTI 37.18 is less than the guideline max of 50.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 709 is more than 20 points higher than the guideline min of 680. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846758 | xxxxxx D A B | Closed | xxxxxx | 2025-09-16 14:43 | 2025-09-19 12:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-Received LOE - Due Diligence Vendor-09/19/2025 <br> Open-Missing , a signed statement from the borrower indicating their intent to retain the property is required. Property was listed for sale within the past 6 months.<br> - Due Diligence Vendor-09/16/2025 |  | Resolved-Received LOE - Due Diligence Vendor-09/19/2025 | Qualifying DTI below maximum allowed - Qualifying DTI 37.18 is less than the guideline max of 50.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 709 is more than 20 points higher than the guideline min of 680. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846795 | xxxxxx C B A | Closed | xxxxxx | 2025-09-26 09:29 | 2025-09-30 13:53 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Received prior policy. - Due Diligence Vendor-09/30/2025 <br> Open-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx Provide prior hazard insurance since the one provides is the renewal policy. Final CD is dated xxxxxx - Due Diligence Vendor-09/26/2025 |  | Resolved-Received prior policy. - Due Diligence Vendor-09/30/2025 | Qualifying DTI below maximum allowed - DTI 41.36% is lower than allowable 50%<br>LTV is less than guideline maximum - LTV 68.83% is lower than maximum 75% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846795 | xxxxxx C B A | Closed | xxxxxx | 2025-09-25 17:37 | 2025-09-25 17:49 | 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. Client waiver applied to non-material Findings. - Due Diligence Vendor-09/25/2025 |  | 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. Client waiver applied to non-material Findings. - Due Diligence Vendor-09/25/2025 | Qualifying DTI below maximum allowed - DTI 41.36% is lower than allowable 50%<br>LTV is less than guideline maximum - LTV 68.83% is lower than maximum 75% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxxxxx |
| 846804 | xxxxxx B A | Closed | xxxxxx | 2025-09-18 13:10 | 2025-09-18 13:10 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. -----Client waiver applied to non-material Findings - Due Diligence Vendor-09/18/2025 |  | Waived-The Home Loan Toolkit disclosure is missing. -----Client waiver applied to non-material Findings - Due Diligence Vendor-09/18/2025 | Qualifying FICO score is at least 20 points above minimum for program - Borrower credit score is 767, minimum score required is 680. <br>Qualifying DTI below maximum allowed - Borrower's qualifying DTI is 35.33%, maximum allowed is 50%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 846822 | xxxxxx C B A | Closed | xxxxxx | 2025-09-15 17:50 | 2025-09-19 08:27 | Resolved | 1 - Information B A | Compliance | State Reg | xxxxxx Subprime Loan Test | Resolved-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR - Due Diligence Vendor-09/19/2025 <br> Open-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR ----- xxxxxx Subprime Loan: APR on subject loan of 8.101% is is within allowable threshold of excess of allowable threshold of APOR of 6.63% + 1.75%, or 8.38%. Non-Compliant SubPrime Loan - Due Diligence Vendor-09/15/2025 |  | Resolved-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR - Due Diligence Vendor-09/19/2025 | Qualifying DTI below maximum allowed - Qualifying DTI 18%; max permitted 43%.<br>Months Reserves exceed minimum required - 20 months PITIA reserves; 6 months reserves required. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846822 | xxxxxx C B A | Closed | xxxxxx | 2025-09-16 09:52 | 2025-09-18 12:47 | Waived | 2 - Non-Material C B | Credit | Eligibility | Neighborhood Location Not Allowed for Program | Waived-Client exception granted to allow Rural properyy, Non-materialwaiver applied with comp factors. non-material due to value supported. - Due Diligence Vendor-09/18/2025 <br> Open-Primary Value Valuation Neighborhood Location Not Allowed for Program Appraisal indicates xxxxxx (xxxxxx acres > xxxxxx acres: xxxxxx or xxxxxx comps over xxxxxx miles) vs xxxxxx Property Ineligible - Due Diligence Vendor-09/16/2025 |  | Waived-Client exception granted to allow Rural properyy, Non-materialwaiver applied with comp factors. non-material due to value supported. - Due Diligence Vendor-09/18/2025 | Qualifying DTI below maximum allowed - Qualifying DTI 18%; max permitted 43%.<br>Months Reserves exceed minimum required - 20 months PITIA reserves; 6 months reserves required. | Credit score 10pts > minimum required-734(660); DTI required): 18% (43%)) Residual income more than 1.5x the amount required by guidelines: $12906.52($2500); | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 846899 | xxxxxx D A | Closed | xxxxxx | 2025-09-03 17:46 | 2025-09-08 10:05 | 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 - Due Diligence Vendor-09/08/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-09/03/2025 <br> Open-Missing secondary valuation - Due Diligence Vendor-09/03/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-09/03/2025<br>| Resolved-Received SSR with a CU Score of 1 - Due Diligence Vendor-09/08/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700- Borrower's FICO 778<br>Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI is 42.2% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846903 | xxxxxx C B A | Closed | xxxxxx | 2025-06-18 15:01 | 2025-07-14 08:45 | Cured | 2 - Non-Material C B | Compliance | TRID | Charges That Cannot Increase Test | Cured------Received PCCD xxxxxx, copy of check $27.50, LOE, evidence of delivery - Due Diligence Vendor-07/14/2025 <br> Ready for Review-Document Uploaded. Please see attached LOE, PCCD and Check to the borrower. - Seller-07/11/2025 <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 $160.50.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Zero (0%) tolerance fees increased by $160.50 (Appraisal Fee, Credit Report Fee, Transfer 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 $160.50, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 1 year- Expiration date is xxxxxx. - Due Diligence Vendor-06/18/2025 | Ready for Review-Document Uploaded. Please see attached LOE, PCCD and Check to the borrower. - Seller-07/11/2025 | Cured------Received PCCD xxxxxx, copy of check $27.50, LOE, evidence of delivery - Due Diligence Vendor-07/14/2025 | Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 32.67%<br>Months Reserves exceed minimum required - 0 reserves required, borrower has 39.72 documented |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 846903 | xxxxxx C B A | Closed | xxxxxx | 2025-06-18 15:01 | 2025-07-14 07:59 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-No waiting period required - Due Diligence Vendor-07/14/2025 <br> Ready for Review-Document Uploaded. Please see attached LOE, PCCD and Check to the borrower. - Seller-07/11/2025 <br> Open-This loan failed the revised closing disclosure delivery date test (no waiting period required). (12 CFR §1026.19(f)(2)(i))The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a new waiting period. Except as provided in §1026.19(f)(2)(ii), if the disclosures provided under §1026.19(f)(1)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction. ...Missing COC for applicable increases. - Due Diligence Vendor-06/18/2025 | Ready for Review-Document Uploaded. Please see attached LOE, PCCD and Check to the borrower. - Seller-07/11/2025 | Resolved-No waiting period required - Due Diligence Vendor-07/14/2025 | Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 32.67%<br>Months Reserves exceed minimum required - 0 reserves required, borrower has 39.72 documented |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 846903 | xxxxxx C B A | Closed | xxxxxx | 2025-06-20 15:28 | 2025-06-20 16:52 | Waived | 2 - Non-Material C B | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as updated VOM provided removing the late - Due Diligence Vendor-06/20/2025 <br> Open-Delinquent Credit History Does Not Meet Guideline Requirements EXCEPTION REQUEST to allow 1X30<br> - Due Diligence Vendor-06/20/2025 |  | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as updated VOM provided removing the late - Due Diligence Vendor-06/20/2025 | Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 32.67%<br>Months Reserves exceed minimum required - 0 reserves required, borrower has 39.72 documented | LTV is 5% below max<br> DTI 5% below Max<br> 12 years on job | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 846904 | xxxxxx D B A | Closed | xxxxxx | 2025-08-23 22:21 | 2025-09-12 14:11 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received unexpired Gap Report. - Due Diligence Vendor-09/12/2025 <br> Ready for Review-Document Uploaded. Credit refresh and inquiries letter reuploaded. Please waive finding - Seller-09/11/2025 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Gap credit report Stop date 7/22/2025. Missing updated UDM. - Due Diligence Vendor-08/24/2025 | Ready for Review-Document Uploaded. Credit refresh and inquiries letter reuploaded. Please waive finding - Seller-09/11/2025 | Resolved-Received unexpired Gap Report. - Due Diligence Vendor-09/12/2025 | Months Reserves exceed minimum required - The borrower has 43.4 months in reserves; no reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - The borrowers FICO score is 722; guideline minimum @ 75% is 700. Exception requested at 75%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 846904 | xxxxxx D B A | Closed | xxxxxx | 2025-08-23 16:30 | 2025-08-26 16:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received Tax Cert. - Due Diligence Vendor-08/26/2025 <br> Ready for Review-Document Uploaded. The requested document(s) were included in the uploaded loan file. Please refer to pages 892-893 and attached herein. - Seller-08/25/2025 <br> Open-Missing Evidence of Property Tax Missing Tax Cert; Taxes for Subject Property detailed on page 630 used xxxxxx monthly. - Due Diligence Vendor-08/23/2025 | Ready for Review-Document Uploaded. The requested document(s) were included in the uploaded loan file. Please refer to pages 892-893 and attached herein. - Seller-08/25/2025 | Resolved-Received Tax Cert. - Due Diligence Vendor-08/26/2025 | Months Reserves exceed minimum required - The borrower has 43.4 months in reserves; no reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - The borrowers FICO score is 722; guideline minimum @ 75% is 700. Exception requested at 75%. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 846904 | xxxxxx D B A | Closed | xxxxxx | 2025-08-23 22:41 | 2025-08-25 09:46 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Originator exception granted to allow 75% CLTV for a xxxxxx unit. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-08/25/2025 <br> Open-Audited CLTV of 75% exceeds Guideline CLTV of 70% Audited CLTV of 74.61% exceeds Guideline CLTV of 70% for a xxxxxx unit. Lender exception in file. - Due Diligence Vendor-08/25/2025 |  | Waived-Originator exception granted to allow 75% CLTV for a xxxxxx unit. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-08/25/2025 | Months Reserves exceed minimum required - The borrower has 43.4 months in reserves; no reserves required.<br> Qualifying FICO score is at least 20 points above minimum for program - The borrowers FICO score is 722; guideline minimum @ 75% is 700. Exception requested at 75%. | Mortgage History 0x30 24 Months<br> DTI 5% below max. | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 846905 | xxxxxx C A | Closed | xxxxxx | 2025-07-22 08:03 | 2025-07-25 15:20 | Resolved | 1 - Information C A | Credit | Insurance | Fidelity Coverage not met | Resolved-Fidelity Coverage was provided. - Due Diligence Vendor-07/25/2025 <br> Ready for Review-Document Uploaded. Please see attached fidelity coverage policy for xxxxxx, xxxxxx - Seller-07/24/2025 <br> Open-Fidelity Coverage not met. Missing proof of acceptable Fidelity Coverage. - Due Diligence Vendor-07/22/2025 | Ready for Review-Document Uploaded. Please see attached fidelity coverage policy for xxxxxx, xxxxxx - Seller-07/24/2025 | Resolved-Fidelity Coverage was provided. - Due Diligence Vendor-07/25/2025 | Months Reserves exceed minimum required - Min reserves req'd 0 mths- Borrower has 25 mths in reserves<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 720- Borrower's FICO 798 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 846905 | xxxxxx C A | Closed | xxxxxx | 2025-07-22 08:25 | 2025-07-25 15:16 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Underwriter Attestation | Resolved-Underwriter Attestation was provided. - Due Diligence Vendor-07/25/2025 <br> Ready for Review-Document Uploaded. Please see attached, xxxxxx - Seller-07/23/2025 <br> Open-Missing Underwriter Attestation. - Due Diligence Vendor-07/22/2025 | Ready for Review-Document Uploaded. Please see attached, xxxxxx - Seller-07/23/2025 | Resolved-Underwriter Attestation was provided. - Due Diligence Vendor-07/25/2025 | Months Reserves exceed minimum required - Min reserves req'd 0 mths- Borrower has 25 mths in reserves<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 720- Borrower's FICO 798 |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 846906 | xxxxxx C B A | Closed | xxxxxx | 2025-07-09 13:07 | 2025-07-11 12:46 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved------Ten (10%) tolerance fees (Lenders Title Insurance and Title Service Fee) increased by $52.20 without a valid COC in file. However, There is a lender credit for fee's above legal limit on Final Cd xxxxxx for $52.20. Resolved.<br> - Due Diligence Vendor-07/11/2025 <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% ($2,888.00) exceed the comparable charges ($2,578.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). -----Ten (10%) tolerance fees (Lenders Title Insurance and Title Service Fee) increased by $52.20 without a valid COC in file. However, There is a lender credit for fee's above legal limit on Final Cd xxxxxx for $52.20. Resolved. - Due Diligence Vendor-07/09/2025 |  | Resolved------Ten (10%) tolerance fees (Lenders Title Insurance and Title Service Fee) increased by $52.20 without a valid COC in file. However, There is a lender credit for fee's above legal limit on Final Cd xxxxxx for $52.20. Resolved.<br> - Due Diligence Vendor-07/11/2025 | On time mortgage history exceeds guideline requirement - 0x30x48<br>Verified employment history exceeds guidelines - 5+ years at current employer<br>Long term residence - 4+ years in primary residence |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 846906 | xxxxxx C B A | Closed | xxxxxx | 2025-07-11 08:25 | 2025-07-11 12:45 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Originator exception granted to allow 651 FICO. Non-material waiver applied with comp factors. Deemed non-material due to only being 9 points below the required score. - Due Diligence Vendor-07/11/2025 <br> Open-Audited FICO of 651 is less than Guideline FICO of 660 - Due Diligence Vendor-07/11/2025 |  | Waived-Originator exception granted to allow 651 FICO. Non-material waiver applied with comp factors. Deemed non-material due to only being 9 points below the required score. - Due Diligence Vendor-07/11/2025 | On time mortgage history exceeds guideline requirement - 0x30x48<br>Verified employment history exceeds guidelines - 5+ years at current employer<br>Long term residence - 4+ years in primary residence | 0x30 mortgage history 24months<br> 4+ years in primary residence<br> 5+ years verified employment history | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 846906 | xxxxxx C B A | Closed | xxxxxx | 2025-07-11 12:41 | 2025-07-11 12:45 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income documentation does not meet guidelines | Waived-Originator exception granted to allow W2's and letter from employer to qualify as a full doc loan. Non-material waiver applied with comp factors.. - Due Diligence Vendor-07/11/2025 <br> Open-Missing pay stub to complete full doc loan. Lender supplied two year W2 plus WVOE and letter from employer confirming borrower's pay. - Due Diligence Vendor-07/11/2025 |  | Waived-Originator exception granted to allow W2's and letter from employer to qualify as a full doc loan. Non-material waiver applied with comp factors. Deemed non-material due to prior year W2 and letter support borrower's income. - Due Diligence Vendor-07/11/2025 | On time mortgage history exceeds guideline requirement - 0x30x48<br>Verified employment history exceeds guidelines - 5+ years at current employer<br>Long term residence - 4+ years in primary residence | 0x30 mortgage history 24months<br> 4+ years in primary residence<br> 5+ years verified employment history | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 846907 | xxxxxx D B C A | Closed | xxxxxx | 2025-08-22 10:59 | 2025-08-26 16:28 | Waived | 2 - Non-Material C B | Credit | Eligibility | Property/Appraisal General (Credit) | Waived-Originator provided a waiver for Rural property up to 21 acres, applied to non material finding with comp factors - Due Diligence Vendor-08/26/2025 <br> Ready for Review-Document Uploaded. The requested document(s) were included in the uploaded loan file. Please refer to page 739 and attached herein. - Seller-08/25/2025 <br> Open-EXCEPTION REQUEST: to allow up to 21 acres on a rural property - Due Diligence Vendor-08/22/2025 | Ready for Review-Document Uploaded. The requested document(s) were included in the uploaded loan file. Please refer to page 739 and attached herein. - Seller-08/25/2025 | Waived-Originator provided a waiver for Rural property up to 21 acres, applied to non material finding with comp factors - Due Diligence Vendor-08/26/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680, borrowers mid score is 710<br>CLTV is less than guidelines maximum - Max CLTV is 80%, borrowers CLTV is 73.31% | dti 5% below max<br> fico 20points higher than minimum<br> ltv <60% | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx |
| 846907 | xxxxxx D B C A | Closed | xxxxxx | 2025-08-22 10:25 | 2025-08-26 16:27 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Received Appraisal. - Due Diligence Vendor-08/26/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-08/25/2025 <br> Open-Appraisal is Missing Appraisal is not in uploaded documents - Due Diligence Vendor-08/22/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-08/25/2025 | Resolved-Received Appraisal. - Due Diligence Vendor-08/26/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680, borrowers mid score is 710<br>CLTV is less than guidelines maximum - Max CLTV is 80%, borrowers CLTV is 73.31% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 846914 | xxxxxx C A | Closed | xxxxxx | 2025-09-11 10:04 | 2025-09-17 14:20 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Upon further review, witness is not required. - Due Diligence Vendor-09/17/2025 <br> Counter-A xxxxxx notary can typically serve as one of the two witnesses and also notarize the signature. Please provide the witnesses signatures. - Due Diligence Vendor-09/15/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing required witness signature on Deed<br> - Due Diligence Vendor-09/11/2025 |  | Resolved-Upon further review, witness is not required. - Due Diligence Vendor-09/17/2025 | Qualifying FICO score is at least 20 points above minimum for program - Score is 766 and minimum allowed is 680<br>On time mortgage history exceeds guideline requirement - On time mortgage history exceeds guideline requirement of 0x30>than 20 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846914 | xxxxxx C A | Closed | xxxxxx | 2025-09-11 10:38 | 2025-09-17 14:12 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Upon further review, added back reserves requirements for Asset depletion as the borrower has sufficient other assets for reserves. Audited DTI of 48.33% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-09/17/2025 <br> Open-Audited DTI of 50.04% exceeds Guideline DTI of 50% Lender did not take into account reserve requirement and funds to close in the income calculation - Due Diligence Vendor-09/11/2025 |  | Resolved-Upon further review, added back reserves requirements for Asset depletion as the borrower has sufficient other assets for reserves. Audited DTI of 48.33% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-09/17/2025 | Qualifying FICO score is at least 20 points above minimum for program - Score is 766 and minimum allowed is 680<br>On time mortgage history exceeds guideline requirement - On time mortgage history exceeds guideline requirement of 0x30>than 20 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846968 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 846970 | xxxxxx C B A | Closed | xxxxxx | 2025-09-24 16:58 | 2025-10-01 14:08 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-The request for an exception to eligibility criteria is granted for reserves - Due Diligence Vendor-10/01/2025 <br> Counter-Settlement Statement provided, however according the Final CD, the EMD of $9k was removed and the loan file does not contain evidence of the $9k. - Due Diligence Vendor-09/26/2025 <br> Open-Audited Reserves of 3.98 month(s) are less than Guideline Required Reserves of 4 month(s) Additional assets required. - Due Diligence Vendor-09/24/2025 |  | Waived-The request for an exception to eligibility criteria is granted for reserves - Due Diligence Vendor-10/01/2025 | Qualifying DTI below maximum allowed - 44.28% DTI is below max of 50%.<br>Long term residence - Borrower has resided in primary for 20 years | Compensating Factor 1 - Credit Score 30+ points > minimum required / Compensating Factor 2 - Residual income more than 2.5x the amount required by guidelines | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 846970 | xxxxxx C B A | Closed | xxxxxx | 2025-09-24 08:50 | 2025-09-29 12:02 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received Final Title w/sufficient coverage. - Due Diligence Vendor-09/29/2025 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Title report does not reflect title coverage amount. - Due Diligence Vendor-09/24/2025 |  | Resolved-Received Final Title w/sufficient coverage. - Due Diligence Vendor-09/29/2025 | Qualifying DTI below maximum allowed - 44.28% DTI is below max of 50%.<br>Long term residence - Borrower has resided in primary for 20 years |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846989 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 847028 | xxxxxx C A | Closed | xxxxxx | 2025-09-18 13:06 | 2025-09-24 11:45 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received LOE. - Due Diligence Vendor-09/24/2025 <br> Open-LOX for credit inquiries is missing. Missing the credit inquiry letter - Due Diligence Vendor-09/18/2025 |  | Resolved-Received LOE. - Due Diligence Vendor-09/24/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying Fico score is 717, guideline requirement 680<br>Months Reserves exceed minimum required - Verified reserves equal 104.27, guidelines require 3 months. |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 847059 | xxxxxx C A | Closed | xxxxxx | 2025-09-26 09:25 | 2025-10-01 14:04 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: Reasonable Income or Assets Not Considered | Resolved-Received documentation to support new account, and sufficient source statements. - Due Diligence Vendor-10/01/2025 <br> Open-ATR: Reasonable Income or Assets Not Considered Missing 03/2025 and 04/2025 statements for xxxxxx account xxxxxx for borrower to complete a full 6 months. Removal will result in excessive DTI. - Due Diligence Vendor-09/26/2025 |  | Resolved-Received documentation to support new account, and sufficient source statements. - Due Diligence Vendor-10/01/2025 | Qualifying FICO score is at least 20 points above minimum for program - FICO = 787 Min FICO = 680<br>Months Reserves exceed minimum required - Reserves = 10 months – Required Reserves = 3 Months |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 847059 | xxxxxx C A | Closed | xxxxxx | 2025-09-26 09:25 | 2025-10-01 14:04 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received documentation to support new account, and sufficient source statements. - Due Diligence Vendor-10/01/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing 03/2025 and 04/2025 statements for xxxxxx account xxxxxx for borrower to complete a full 6 months. Removal will result in excessive DTI. - Due Diligence Vendor-09/26/2025 |  | Resolved-Received documentation to support new account, and sufficient source statements. - Due Diligence Vendor-10/01/2025 | Qualifying FICO score is at least 20 points above minimum for program - FICO = 787 Min FICO = 680<br>Months Reserves exceed minimum required - Reserves = 10 months – Required Reserves = 3 Months |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 847059 | xxxxxx C A | Closed | xxxxxx | 2025-09-25 15:48 | 2025-10-01 14:03 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Received documentation to support new account, and sufficient source statements. - Due Diligence Vendor-10/01/2025 <br> Open-Income and Employment Do Not Meet Guidelines Missing 03/2025 and 04/2025 statements for xxxxxx account xxxxxx for borrower to complete a full 6 months. Removal will result in excessive DTI. - Due Diligence Vendor-09/25/2025 |  | Resolved-Received documentation to support new account, and sufficient source statements. - Due Diligence Vendor-10/01/2025 | Qualifying FICO score is at least 20 points above minimum for program - FICO = 787 Min FICO = 680<br>Months Reserves exceed minimum required - Reserves = 10 months – Required Reserves = 3 Months |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 847066 | xxxxxx C A | Closed | xxxxxx | 2025-09-25 18:42 | 2025-10-03 10:07 | Resolved | 1 - Information C A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved-Received LE xxxxxx. Finding resolved. - Due Diligence Vendor-10/03/2025 <br> Open-This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A))The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into xxxxxx, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $0, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. ----- Missing initial LE dated within 3 days of Application date (xxxxxx). Additional Findings may apply upon receipt. Statue of Limitations - 1 year, expiration date xxxxxx.<br> - Due Diligence Vendor-09/25/2025 |  | Resolved-Received LE xxxxxx. Finding resolved. - Due Diligence Vendor-10/03/2025 | Months Reserves exceed minimum required - 3 months reserves required per guides, borrower having 37.02 months post close<br>Qualifying FICO score is at least 20 points above minimum for program - Min score allowed per guides is 680, qualifying score used is 767 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 847071 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 847145 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 847206 | xxxxxx C A | Closed | xxxxxx | 2025-09-25 09:33 | 2025-09-30 10:41 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD xxxxxx, disbursemnt date xxxxxx. Finding resolved. - Due Diligence Vendor-09/30/2025 <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. - Due Diligence Vendor-09/25/2025 |  | Resolved-Received PCCD xxxxxx, disbursemnt date xxxxxx. Finding resolved. - Due Diligence Vendor-09/30/2025 | Qualifying FICO score is at least 20 points above minimum for program - MIn FICO score 620 - actual 686<br>On time mortgage history exceeds guideline requirement - Mortgage history required 12 months - actual 94 months |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 847298 | xxxxxx D B A | Closed | xxxxxx | 2025-09-05 13:39 | 2025-09-26 12:32 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-The request for an exception to eligibility criteria is granted for excessive NSF. - Due Diligence Vendor-09/26/2025 <br> Open-Business bank statements reflect several overdrafts. Per 2.7.6.3 if one or more occurrences are in the most recent 3-month time period then up to 3 occurrences are allowed. Per the definition within the guides there are a total of 7 overdrafts with the most recent occurring in February. Loan does not meet Non-Sufficient Funds requirements and lacks a letter of explanation from the borrower. Additional findings may apply. - Due Diligence Vendor-09/05/2025 |  | Waived-The request for an exception to eligibility criteria is granted for excessive NSF. - Due Diligence Vendor-09/26/2025 | LTV is less than guideline maximum - Qualifying LTV 17.65%; max 75%<br>Months Reserves exceed minimum required - Qualifying reserves 51 months; minimum required 3 months | Compensating Factor 1 - LTV/CLTV 10% or more below the maximum allowed under applicable guidelines / Compensating Factor 2 - Credit Score 20 points > minimum required | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 847298 | xxxxxx D B A | Closed | xxxxxx | 2025-09-05 13:23 | 2025-09-23 14:29 | Resolved | 1 - Information C A | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Resolved-Note provided confirming the borrower was not obligated on the loan - Due Diligence Vendor-09/23/2025 <br> Open-Delinquent Credit History Does Not Meet Guideline Requirements Borrower was an owner of the property at xxxxxx at the time of Pre-Foreclosure xxxxxx and was quit claimed off xxxxxx (the same time he was quit claimed onto the subject property). Matrix for xxxxxx requires >= 24 months seasoning for Pre-Foreclosure up to 75% LTV. Seasoning >= 12 months and <24 months is not eligible for refinance transactions. Additional findings may apply. - Due Diligence Vendor-09/05/2025 |  | Resolved-Note provided confirming the borrower was not obligated on the loan - Due Diligence Vendor-09/23/2025 | LTV is less than guideline maximum - Qualifying LTV 17.65%; max 75%<br>Months Reserves exceed minimum required - Qualifying reserves 51 months; minimum required 3 months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 847298 | xxxxxx D B A | Closed | xxxxxx | 2025-09-05 13:06 | 2025-09-16 18:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved-Income calc updated excluding the $5,700 deposit in April. - Due Diligence Vendor-09/16/2025 <br> Counter-Source of $10,627.15 provided. Please Provide documentation to support the $5700 deposit on 04/16/25 is for business services rendered as the company who deposited the funds provides small business loans. Additional findings may apply. - Due Diligence Vendor-09/15/2025 <br> Counter-Source of various deposits provided, however we are missing source of $10,627.15 on 10/18/2024 and documentation is required to support the $5700 deposit on 04/16/25 is for business services rendered as the company who deposited the funds provides small business loans. Additional findings may apply. - Due Diligence Vendor-09/11/2025 <br> Open-Missing source of large deposit for $10,627.15 on 10/18/24 that was considered towards qualifying income. Similar deposit of $10,627.15 on 09/27/24 was documented. Additionally documentation is required to support the $5700 deposit on 04/16/25 is for business services rendered as the company who deposited the funds provides small business loans. Additional findings may apply. - Due Diligence Vendor-09/05/2025 |  | Resolved-Income calc updated excluding the $5,700 deposit in April. - Due Diligence Vendor-09/16/2025 | LTV is less than guideline maximum - Qualifying LTV 17.65%; max 75%<br>Months Reserves exceed minimum required - Qualifying reserves 51 months; minimum required 3 months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 847298 | xxxxxx D B A | Closed | xxxxxx | 2025-09-05 13:09 | 2025-09-15 10:21 | Resolved | 1 - Information C A | Credit | Income/Employment | Income documentation does not meet guidelines | Resolved-Received LLC Agreement. 100% owner. - Due Diligence Vendor-09/15/2025 <br> Counter-Documentation provided does not support the % of the stock shares. - Due Diligence Vendor-09/11/2025 <br> Open-Missing evidence borrower owns 100% of the stock shares in the qualifying Corporation. An operating agreement for an LLC was included in the package but Corporations (as evidenced by the business name and stock shares shown on the Articles of Incorporation) use bylaws and shareholder agreements to govern their internal operations. Additional findings may apply. - Due Diligence Vendor-09/05/2025 |  | Resolved-Received LLC Agreement. 100% owner. - Due Diligence Vendor-09/15/2025 | LTV is less than guideline maximum - Qualifying LTV 17.65%; max 75%<br>Months Reserves exceed minimum required - Qualifying reserves 51 months; minimum required 3 months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 847298 | xxxxxx D B A | Closed | xxxxxx | 2025-09-05 13:03 | 2025-09-12 13:45 | Resolved | 1 - Information C A | Credit | Income/Employment | Income 1 Income Trend is Decreasing | Resolved-After further review, the income calculation indicates the borrower had more income in the most recent 6 months, then in the previous 6 months. - Due Diligence Vendor-09/12/2025 <br> Counter-Client comments - Please see attached showing the business is only under the borrower name - AUDIT RESPONSE- Missing a letter from the tax preparer to support that projects in the works and not yet paid are sufficient to support that projected business revenues will meet or exceed for the years 2024 and 2025. Additional findings may apply.<br> - Due Diligence Vendor-09/11/2025 <br> Open-Income 1 Income Trend is Decreasing Letter of explanation for declining income was provided. Twelve month period provided does not support and is insufficient to be solely relied upon. Missing a letter from the tax preparer to support that projects in the works and not yet paid are sufficient to support that projected business revenues will meet or exceed for the years 2024 and 2025. Additional findings may apply. - Due Diligence Vendor-09/05/2025 |  | Resolved-After further review, the income calculation indicates the borrower had more income in the most recent 6 months, then in the previous 6 months. - Due Diligence Vendor-09/12/2025 | LTV is less than guideline maximum - Qualifying LTV 17.65%; max 75%<br>Months Reserves exceed minimum required - Qualifying reserves 51 months; minimum required 3 months |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 847312 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 847320 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 847330 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 847332 | xxxxxx D B C A | Closed | xxxxxx | 2025-09-13 19:46 | 2025-10-03 09:24 | Cured | 2 - Non-Material C B | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Cured-Received PCCD xxxxxx, LOX, copy of check, and evidence of delivery. Finding cured. - Due Diligence Vendor-10/03/2025 <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% ($70.00) exceed the comparable charges ($60.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). ----- Ten (10%) tolerance fees (Recording fees) increased by $4.00 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 $4.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 3 year- Expiration date is xxxxxx.<br> - Due Diligence Vendor-09/13/2025 |  | Cured-Received PCCD xxxxxx, LOX, copy of check, and evidence of delivery. Finding cured. - Due Diligence Vendor-10/03/2025 | Months Reserves exceed minimum required - Qualifying Total Reserves 15.41 months are higher than 0 months required<br>Qualifying DTI below maximum allowed - 43.19% DTI below max allowed of 50% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 847332 | xxxxxx D B C A | Closed | xxxxxx | 2025-09-13 19:46 | 2025-10-03 09:22 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD xxxxxx, disbursement date xxxxxx. Finding resolved. - Due Diligence Vendor-10/03/2025 <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-09/13/2025 |  | Resolved-Received PCCD xxxxxx, disbursement date xxxxxx. Finding resolved. - Due Diligence Vendor-10/03/2025 | Months Reserves exceed minimum required - Qualifying Total Reserves 15.41 months are higher than 0 months required<br>Qualifying DTI below maximum allowed - 43.19% DTI below max allowed of 50% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 847332 | xxxxxx D B C A | Closed | xxxxxx | 2025-09-17 14:03 | 2025-10-01 12:45 | Waived | 2 - Non-Material D B | Credit | Eligibility | Borrower 1 Gap Employment Letter Missing | Waived-The request for an exception to eligibility criteria is granted for Gap Letter - Due Diligence Vendor-10/01/2025 <br> Counter-2.7.1.1 xxxxxx Guides 4/21/2025 - Any gaps in employment that span one or more months must be explained. - Due Diligence Vendor-09/24/2025 <br> Open-Borrower 1 Gap Employment Letter Missing Gaps in employment exceeding one month required an explanation - Due Diligence Vendor-09/17/2025 |  | Waived-The request for an exception to eligibility criteria is granted for Gap Letter - Due Diligence Vendor-10/01/2025 | Months Reserves exceed minimum required - Qualifying Total Reserves 15.41 months are higher than 0 months required<br>Qualifying DTI below maximum allowed - 43.19% DTI below max allowed of 50% | Compensating Factor 1 - Reserves exceed requirement by 10 months or more / Compensating Factor 2 - Credit Score 10 points > minimum required | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 847332 | xxxxxx D B C A | Closed | xxxxxx | 2025-09-13 19:11 | 2025-09-24 09:53 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Upon further review, no further documentation is needed or required. NMLS ID for originator is on Note and Mortgage. - Due Diligence Vendor-09/24/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. NMLS missing for Lender - Due Diligence Vendor-09/13/2025 |  | Resolved-Upon further review, no further documentation is needed or required. NMLS ID for originator is on Note and Mortgage. - Due Diligence Vendor-09/24/2025<br>| Months Reserves exceed minimum required - Qualifying Total Reserves 15.41 months are higher than 0 months required<br>Qualifying DTI below maximum allowed - 43.19% DTI below max allowed of 50% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 847332 | xxxxxx D B C A | Closed | xxxxxx | 2025-09-13 19:21 | 2025-09-24 09:52 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Note Document | Resolved-Upon further review, no further documentation is needed or required. NMLS ID for originator is on Note and Mortgage. - Due Diligence Vendor-09/24/2025 <br> Open-There are Issues Present on the Note that must be addressed. NMLS missing for Lender - Due Diligence Vendor-09/13/2025 |  | Resolved-Upon further review, no further documentation is needed or required. NMLS ID for originator is on Note and Mortgage. - Due Diligence Vendor-09/24/2025<br>| Months Reserves exceed minimum required - Qualifying Total Reserves 15.41 months are higher than 0 months required<br>Qualifying DTI below maximum allowed - 43.19% DTI below max allowed of 50% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 847373 | xxxxxx C A | Closed | xxxxxx | 2025-09-26 17:06 | 2025-10-01 16:41 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-After further review, the lender's guidelines do not require large deposits to be sourced. - Due Diligence Vendor-10/01/2025 <br> Counter-Document was not attached. - Due Diligence Vendor-10/01/2025 <br> Open-Asset Qualification Does Not Meet Guideline Requirements Deposit to xxxxxx 9/2/2025 $70,000.00 is not sourced - Due Diligence Vendor-09/26/2025 |  | Resolved-After further review, the lender's guidelines do not require large deposits to be sourced. - Due Diligence Vendor-10/01/2025<br>| Qualifying DTI below maximum allowed - max DTI 50% / BORROWER 36.79%<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 695 with required 660 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 847405 | xxxxxx B A | Closed | xxxxxx | 2025-10-02 12:35 | 2025-10-03 14:39 | Resolved | 1 - Information B A | Compliance | State Reg | xxxxxx Subprime Loan Test | Resolved-APR on subject loan of 7.072% is within allowable threshold of APOR of 6.57% + 1.75% or 8.32 %. - Due Diligence Vendor-10/03/2025 <br> Open-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR -----Compliant xxxxxx Subprime- APR on subject loan of 7.072% is within allowable threshold of APOR of 6.57% + 1.75% or 8.32 %. - Due Diligence Vendor-10/02/2025 |  | Resolved-APR on subject loan of 7.072% is within allowable threshold of APOR of 6.57% + 1.75% or 8.32 %. - Due Diligence Vendor-10/03/2025<br>| Months Reserves exceed minimum required - 7 months reserves documented, 3 months required<br>Qualifying FICO score is at least 20 points above minimum for program - 731 FICO, 660 required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 847405 | xxxxxx B A | Closed | xxxxxx | 2025-10-02 11:09 | 2025-10-02 11:09 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings. - Due Diligence Vendor-10/02/2025 |  | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings. - Due Diligence Vendor-10/02/2025<br>| Months Reserves exceed minimum required - 7 months reserves documented, 3 months required<br>Qualifying FICO score is at least 20 points above minimum for program - 731 FICO, 660 required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 847461 | xxxxxx C B A | Closed | xxxxxx | 2025-10-06 12:57 | 2025-10-06 13:01 | Resolved | 1 - Information C A | Credit | Eligibility | Non-Arm's Length Transactions Not Allowed for Program | Resolved-Upon further review this is not a gift of equity - Due Diligence Vendor-10/06/2025 <br> Open-Non-Arm's Length Transactions Not Allowed for Program Missing 12 month pay history on seller mortgage to confirm no bailout. - Due Diligence Vendor-10/06/2025 |  | Resolved-Upon further review this is not a gift of equity - Due Diligence Vendor-10/06/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 640 - actual 782 FICO<br>LTV is less than guideline maximum - Max allowed is 85% - actual is 72.63% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 847461 | xxxxxx C B A | Closed | xxxxxx | 2025-10-06 12:39 | 2025-10-06 12:58 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client exception granted to allow no cancelled checks on non-arms length purchase. Non-material waiver applied with comp factors. Deemed non-material due to satisfactory VOR provided. - Due Diligence Vendor-10/06/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Missing cancelled check for rent on a Non-arms length transaction - purchase from landlord. VOR provided - Due Diligence Vendor-10/06/2025 |  | Waived-Client exception granted to allow no cancelled checks on non-arms length purchase. Non-material waiver applied with comp factors. Deemed non-material due to satisfactory VOR provided. - Due Diligence Vendor-10/06/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 640 - actual 782 FICO<br>LTV is less than guideline maximum - Max allowed is 85% - actual is 72.63% | Credit Score 30+ points > minimum required<br> DTI <= 36% which is below requirement in guidelines<br> LTV/CLTV 5% or more below the maximum allowed under applicable guidelines | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 847461 | xxxxxx C B A | Closed | xxxxxx | 2025-10-03 15:28 | 2025-10-06 12:54 | Resolved | 1 - Information B A | Compliance | State Reg | xxxxxx Subprime Loan Test | Resolved-Compliant xxxxxx Subprime- APR on subject loan of 7.848% is within allowable threshold of APOR of 6.57% + 1.75% or 8.32%. <br> - Due Diligence Vendor-10/06/2025 <br> Open-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR <br> - Due Diligence Vendor-10/03/2025 |  | Resolved-Compliant xxxxxx Subprime- APR on subject loan of 7.848% is within allowable threshold of APOR of 6.57% + 1.75% or 8.32%. <br> - Due Diligence Vendor-10/06/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 640 - actual 782 FICO<br>LTV is less than guideline maximum - Max allowed is 85% - actual is 72.63% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 847472 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 847487 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 847496 | xxxxxx C B A | Closed | xxxxxx | 2025-07-17 14:18 | 2025-09-08 12:03 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Document Uploaded. Originator waiver applied to non material finding with compensating factors. 3.24 months of reserves, 4 months required. - Due Diligence Vendor-09/08/2025 <br> Ready for Review-Document Uploaded. Please find the attached. - Seller-09/05/2025 <br> Counter-Audit has verified $158,141.22 Funds to close: $144,595.68 (EMD verified) + $16,241.56 reserves. Short reserves by $2,696.01 - Due Diligence Vendor-07/30/2025 <br> Ready for Review-Can you please explain which part is insufficient? I don't understand. - Seller-07/28/2025 <br> Counter-Documentation received is insufficient-verified reserves is less than 4 months PI. Finding remains. - Due Diligence Vendor-07/28/2025 <br> Ready for Review-Document Uploaded. $170,581.00 (Balance of xxxxxx #xxxxxx) - $145.005.18 (Closing funds withdrawn from xxxxxx)<br> = $25,575.82.<br> Required Reserve= $16,241.56 = [(4\*SUBJECT_P&I)]<br> $25,575.82 (remaining asset) > $16,241.56 <br> The borrower has enough asset to cover closing funds and reserve. - Seller-07/25/2025 <br> Counter-Received PCCD-reserves are insufficient-original finding remains. - Due Diligence Vendor-07/23/2025 <br> Ready for Review-Document Uploaded. Required reserve: $16,241.56 = [(4\*SUBJECT_P&I)]<br>Borrower has enough funds to cover the closing costs and the reserve. <br> Please waive this condition. - Seller-07/22/2025 <br> Open-Audited Reserves of 3.24 month(s) are less than Guideline Required Reserves of 4 month(s) Subject primary home, LTV 80%, calculated reserves 3.24mos P&I. Per guides pg21: primary home, LTV > 75% 4 months reserves required. - Due Diligence Vendor-07/17/2025 | Ready for Review-Document Uploaded. Please find the attached. - Seller-09/05/2025 <br> Ready for Review-Can you please explain which part is insufficient? I don't understand. - Seller-07/28/2025 <br> Ready for Review-Document Uploaded. $170,581.00 (Balance of xxxxxx #xxxxxx) - $145.005.18 (Closing funds withdrawn from xxxxxx)<br> = $25,575.82.<br> Required Reserve= $16,241.56 = [(4\*SUBJECT_P&I)]<br> $25,575.82 (remaining asset) > $16,241.56 <br> The borrower has enough asset to cover closing funds and reserve. - Seller-07/25/2025 <br> Ready for Review-Document Uploaded. Required reserve: $16,241.56 = [(4\*SUBJECT_P&I)]<br>Borrower has enough funds to cover the closing costs and the reserve. <br> Please waive this condition. - Seller-07/22/2025 | Waived-Document Uploaded. Originator waiver applied to non material finding with compensating factors. 3.24 months of reserves, 4 months required. - Due Diligence Vendor-09/08/2025<br>| Qualifying DTI below maximum allowed - Borr DTI 44.65%. Per guides, maximum DTI 49.99%.<br> Verified employment history exceeds guidelines - Borrower with current employer since xxxxxx. | 44.65% DTI<br> 4 years same employer<br> primary residence<br> no derogatory debts | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 847496 | xxxxxx C B A | Closed | xxxxxx | 2025-07-15 12:42 | 2025-07-15 13:06 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-07/15/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-07/15/2025<br>| Qualifying DTI below maximum allowed - Borr DTI 44.65%. Per guides, maximum DTI 49.99%.<br> Verified employment history exceeds guidelines - Borrower with current employer since xxxxxx. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 847507 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 847522 | xxxxxx C A B | Closed | xxxxxx | 2025-09-25 09:45 | 2025-10-14 15:50 | Resolved | 1 - Information C A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-Upon further review, the Appraiser Notes the Subject was inspected for working xxxxxx. - Due Diligence Vendor-10/06/2025 <br> Counter-State requires pictures - Due Diligence Vendor-09/30/2025 <br> Open-Property Issues are identified for the property Property Issues are identified for the property- Missing xxxxxx pictures and reviewed state law indicates required. - Due Diligence Vendor-09/25/2025 |  | Resolved-Upon further review, the Appraiser Notes the Subject was inspected for working xxxxxx. - Due Diligence Vendor-10/06/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 733; minimum score 660.<br>Qualifying DTI below maximum allowed - Qualifying DTI 32.12% max 45%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 847522 | xxxxxx C A B | Closed | xxxxxx | 2025-09-25 09:38 | 2025-10-14 11:32 | Resolved | 1 - Information C A | Credit | Eligibility | Purchase Contract Issue | Resolved-Received Purchase Contract w/sales price. - Due Diligence Vendor-09/30/2025 <br> Open-Loan Purpose is Purchase but Purchase Contract is only Partially Provided.- missing purchase contract with updated purchase price, missing Trust from sellers. - Due Diligence Vendor-09/25/2025 |  | Resolved-Received Purchase Contract w/sales price. - Due Diligence Vendor-09/30/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 733; minimum score 660.<br>Qualifying DTI below maximum allowed - Qualifying DTI 32.12% max 45%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 847522 | xxxxxx C A B | Closed | xxxxxx | 2025-09-24 15:22 | 2025-09-26 14:57 | Resolved | 1 - Information B A | Compliance | State Reg | xxxxxx Subprime Loan Test | Resolved-Compliant xxxxxx Subprime- APR on subject loan of 7.406% is within allowable threshold of APOR of 6.57% + 1.75% or 8.32%. - Due Diligence Vendor-09/26/2025 <br> Open-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR Compliant xxxxxx Subprime- APR on subject loan of 7.406% is within allowable threshold of APOR of 6.57% + 1.75% or 8.32%. - Due Diligence Vendor-09/24/2025 |  | Resolved-Compliant xxxxxx Subprime- APR on subject loan of 7.406% is within allowable threshold of APOR of 6.57% + 1.75% or 8.32%. - Due Diligence Vendor-09/26/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 733; minimum score 660.<br>Qualifying DTI below maximum allowed - Qualifying DTI 32.12% max 45%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 847549 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 847560 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 847573 | xxxxxx D A | Closed | xxxxxx | 2025-09-17 09:19 | 2025-09-24 12:41 | Resolved | 1 - Information C A | Credit | Eligibility | Condo does not meet requirements | Resolved-Received corrected appraisal reflecting owner occupied units and no rentals. - Due Diligence Vendor-09/24/2025 <br> Ready for Review-Document Uploaded. uploaded corrected Appraisal- - Seller-09/23/2025 <br> Open-Per appraisal only xxxxxx of the xxxxxx units are owner occupied - investor concentration exceeded. - Due Diligence Vendor-09/19/2025 | Ready for Review-Document Uploaded. uploaded corrected Appraisal- - Seller-09/23/2025<br>| Resolved-Received corrected appraisal reflecting owner occupied units and no rentals. - Due Diligence Vendor-09/24/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 778 vs. min FICO 660<br>LTV is less than guideline maximum - 65% LTV vs. max LTV 85% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 847573 | xxxxxx D A | Closed | xxxxxx | 2025-09-15 14:21 | 2025-09-19 12:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Received VVOE for B2 - Due Diligence Vendor-09/19/2025 <br> Ready for Review-Document Uploaded. B2 VOE is on page 342 of the uploaded credit file- however I have uploaded again - Seller-09/18/2025 <br> Open-Borrower 2 3rd Party VOE Prior to Close Missing Missing final VOE for b2. - Due Diligence Vendor-09/17/2025 | Ready for Review-Document Uploaded. B2 VOE is on page 342 of the uploaded credit file- however I have uploaded again - Seller-09/18/2025<br>| Resolved-Received VVOE for B2 - Due Diligence Vendor-09/19/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 778 vs. min FICO 660<br>LTV is less than guideline maximum - 65% LTV vs. max LTV 85% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 847573 | xxxxxx D A | Closed | xxxxxx | 2025-09-17 09:25 | 2025-09-19 12:51 | Resolved | 1 - Information C A | Credit | Income/Employment | Income 3 Months Income Verified is Missing | Resolved-Received confirmation qualifying with full pitia on subject. - Due Diligence Vendor-09/19/2025 <br> Ready for Review-No rental income was used to qualify, please reference 1008/1003 only income used to qualify for the loan was B2 salary/bonus income - Seller-09/18/2025 <br> Open-Income 3 Months Income Verified is Missing Short term rental income was used form the appraisal/1007 - per guides this is not acceptable on a full doc loan. Short term must be approved via exception. - Due Diligence Vendor-09/17/2025 | Ready for Review-No rental income was used to qualify, please reference 1008/1003 only income used to qualify for the loan was B2 salary/bonus income - Seller-09/18/2025<br>| Resolved-Received confirmation qualifying with full pitia on subject. - Due Diligence Vendor-09/19/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 778 vs. min FICO 660<br>LTV is less than guideline maximum - 65% LTV vs. max LTV 85% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 847573 | xxxxxx D A | Closed | xxxxxx | 2025-09-12 13:29 | 2025-09-18 13:05 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received correct page one of the Mortgage. - Due Diligence Vendor-09/18/2025 <br> Ready for Review-Document Uploaded. uploaded corrected pg1 of Deed showing B2 name spelled correctly- - Seller-09/17/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. B2 name is spelled incorrectly on DOT. - Due Diligence Vendor-09/12/2025 | Ready for Review-Document Uploaded. uploaded corrected pg1 of Deed showing B2 name spelled correctly- - Seller-09/17/2025<br>| Resolved-Received correct page one of the Mortgage. - Due Diligence Vendor-09/18/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 778 vs. min FICO 660<br>LTV is less than guideline maximum - 65% LTV vs. max LTV 85% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 847575 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 847576 | xxxxxx B A | Closed | xxxxxx | 2025-10-03 14:11 | 2025-10-03 14:11 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings. - Due Diligence Vendor-10/03/2025 |  | Waived-Required Affiliated Business Disclosure Missing -----Client waiver applied to non-material Findings. - Due Diligence Vendor-10/03/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 780; minimum 680.<br>On time mortgage history exceeds guideline requirement - 0x30x60 on time mortgage history past 82 months. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 847580 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 847597 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA |  |  |  |
| 847613 | xxxxxx C A | Closed | xxxxxx | 2025-09-23 10:37 | 2025-09-30 13:20 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received Final Title w/sufficient coverage. - Due Diligence Vendor-09/30/2025 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Need title supplement showing title insurance amount of xxxxxx (prelim in file shows xxxxxx) - Due Diligence Vendor-09/23/2025 |  | Resolved-Received Final Title w/sufficient coverage. - Due Diligence Vendor-09/30/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 700 minimum FICO - borrower has 788 FICO<br>Months Reserves exceed minimum required - 6 months reserves required - borrower has 29.59 months reserves |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 847614 | xxxxxx D A | Closed | xxxxxx | 2025-09-24 17:09 | 2025-09-30 13:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received Fraud Report. - Due Diligence Vendor-09/30/2025 <br> Open-Missing Third Party Fraud Report Additional findings may apply - Due Diligence Vendor-09/24/2025 |  | Resolved-Received Fraud Report. - Due Diligence Vendor-09/30/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO = 711 Min FICO = 680<br>LTV is less than guideline maximum - LTV = 80% - Max LTV = 90% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 847614 | xxxxxx D A | Closed | xxxxxx | 2025-09-24 15:22 | 2025-09-25 12:14 | Resolved | 1 - Information A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-After further review, the gap credit is not required. - Due Diligence Vendor-09/25/2025 <br> Open-Borrower 2 Gap Credit Report is Missing Gap Credit report absent the loan file - Due Diligence Vendor-09/24/2025 |  | Resolved-After further review, the gap credit is not required. - Due Diligence Vendor-09/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO = 711 Min FICO = 680<br>LTV is less than guideline maximum - LTV = 80% - Max LTV = 90% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 847614 | xxxxxx D A | Closed | xxxxxx | 2025-09-24 15:22 | 2025-09-25 12:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-After further review, the gap credit is not required. - Due Diligence Vendor-09/25/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-09/24/2025 |  | Resolved-After further review, the gap credit is not required. - Due Diligence Vendor-09/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO = 711 Min FICO = 680<br>LTV is less than guideline maximum - LTV = 80% - Max LTV = 90% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 847636 | xxxxxx D A | Closed | xxxxxx | 2025-09-24 09:18 | 2025-09-26 17:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-09/26/2025 <br> Ready for Review-Document Uploaded. - Seller-09/24/2025 <br> Open-Borrower 1 Gap Credit Report is Missing - Missing gap credit - UDM reflects not started on DRIVE report - Due Diligence Vendor-09/24/2025 | Ready for Review-Document Uploaded. - Seller-09/24/2025<br>| Resolved-Received Gap Report. - Due Diligence Vendor-09/26/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 680 minimum FICO - borrower has 813 FICO<br>Qualifying DTI below maximum allowed - 50% max DTI - loan has 41.69% DTI |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 847659 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 847660 | xxxxxx D A | Closed | xxxxxx | 2025-09-23 11:47 | 2025-09-29 11:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Condo Master Insurance Policy is Missing | Resolved-Received master policy - Due Diligence Vendor-09/29/2025 <br> Open-Missing Condo Master Insurance Policy - Due Diligence Vendor-09/23/2025 |  | Resolved-Received master policy - Due Diligence Vendor-09/29/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 22%; max permitted 45%.<br>LTV is less than guideline maximum - LTV 40%; max 85%. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 847660 | xxxxxx D A | Closed | xxxxxx | 2025-09-23 11:42 | 2025-09-29 11:23 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-Received HOA Questionnaire - Due Diligence Vendor-09/29/2025 <br> Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. - Due Diligence Vendor-09/23/2025 |  | Resolved-Received HOA Questionnaire - Due Diligence Vendor-09/29/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 22%; max permitted 45%.<br>LTV is less than guideline maximum - LTV 40%; max 85%. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 847672 | xxxxxx D A | Closed | xxxxxx | 2025-09-22 14:50 | 2025-09-26 12:20 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received Institutional VOR - Due Diligence Vendor-09/26/2025 <br> Open-Housing History Does Not Meet Guideline Requirements FTHB and Verification of Rent not evidenced - Due Diligence Vendor-09/22/2025 |  | Resolved-Received Institutional VOR - Due Diligence Vendor-09/26/2025<br>| Months Reserves exceed minimum required - 12 months reserves exceeds minimum 4 months reserves<br>Qualifying FICO score is at least 20 points above minimum for program - 715 Fico exceeds guideline min of 660 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 847672 | xxxxxx D A | Closed | xxxxxx | 2025-09-23 17:56 | 2025-09-25 11:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Upon further review, EA verification was located in the loan file. - Due Diligence Vendor-09/25/2025 <br> Open-Borrower 1 CPA Letter Missing Self-employed business license or CPA/EA/CTEC/TAX ATTORNEY letter verifying borrower's ownership of business for the last two years and the most recent 12-month Profit & Loss Statement completed by CPA/EA/CTEC/TAX ATTORNEY. Letter does not Identify preparer title. Please provide verification of CPA/EA/CTEC/TAX ATTORNEY status of business license.<br> - Due Diligence Vendor-09/23/2025 |  | Resolved-Upon further review, EA verification was located in the loan file. - Due Diligence Vendor-09/25/2025<br>| Months Reserves exceed minimum required - 12 months reserves exceeds minimum 4 months reserves<br>Qualifying FICO score is at least 20 points above minimum for program - 715 Fico exceeds guideline min of 660 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 847693 | xxxxxx B A | Closed | xxxxxx | 2025-10-01 06:50 | 2025-10-03 14:33 | Resolved | 1 - Information B A | Compliance | State Reg | xxxxxx Subprime Loan Test | Resolved-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR - Due Diligence Vendor-10/03/2025 <br> Open-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR -----Compliant xxxxxx Subprime- APR on subject loan of 7.825% is within allowable threshold of APOR of 6.54% + 1.75% or 8.29%. - Due Diligence Vendor-10/01/2025 |  | Resolved-Compliant xxxxxx Subprime-APR is within allowable threshold of APOR - Due Diligence Vendor-10/03/2025 | Months Reserves exceed minimum required - RESERVES REQUIREMENT 3 MONTHS / BORROWER HAS SUFFICIENT ASSETS FROM THE CASH OUT at 44 months<br>Qualifying FICO score is at least 20 points above minimum for program - GUIDELINES FICO SCORE = 660 / BORROWER SCORE 733 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 847695 | xxxxxx C A | Closed | xxxxxx | 2025-10-03 13:49 | 2025-10-08 09:49 | Resolved | 1 - Information C A | Compliance | TRID | TRID: CD not delivered at least 3 days prior to consummation | Resolved-Received initial CD xxxxxx, testing complete, finding resolved. - Due Diligence Vendor-10/08/2025 <br> Open------Missing initial CD acknowledged by borrower a minimum of 3 days prior to consummation. Additional findings may apply upon receipt. Statute of Limitations 3 years- Expiration date is xxxxxx. - Due Diligence Vendor-10/03/2025 |  | Resolved-Received initial CD xxxxxx, testing complete, finding resolved. - Due Diligence Vendor-10/08/2025 | Qualifying FICO score is at least 20 points above minimum for program - 818 qualifying FICO score, 680 minimum score required.<br>CLTV is less than guidelines maximum - 38.75% vs. max 90% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 847710 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 847724 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 847727 | xxxxxx D B C A | Closed | xxxxxx | 2025-09-30 14:59 | 2025-10-06 09:40 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Rec'd Correspondence: xxxxxx hereby attests that no party involved in the settlement process was an affiliated business. Finding resolved. - Due Diligence Vendor-10/06/2025 <br> Open-Required Affiliated Business Disclosure Missing Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt. <br> - Due Diligence Vendor-09/30/2025 |  | Resolved-Rec'd Correspondence: xxxxxx hereby attests that no party involved in the settlement process was an affiliated business. Finding resolved. - Due Diligence Vendor-10/06/2025 | Months Reserves exceed minimum required - Reserves = 23.77 months – Required Reserves = 6 Months<br>Qualifying FICO score is at least 20 points above minimum for program - 737 > 680 required |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 847727 | xxxxxx D B C A | Closed | xxxxxx | 2025-10-02 10:53 | 2025-10-02 10:54 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client exception granted to allow . Non-material waiver applied with comp factors. Deemed non-material due to only 5% above max. - Due Diligence Vendor-10/02/2025 <br> Open-Audited LTV of 85% exceeds Guideline LTV of 80% - Due Diligence Vendor-10/02/2025 |  | Waived-Client exception granted to allow . Non-material waiver applied with comp factors. Deemed non-material due to only 5% above max. - Due Diligence Vendor-10/02/2025<br>| Months Reserves exceed minimum required - Reserves = 23.77 months – Required Reserves = 6 Months<br>Qualifying FICO score is at least 20 points above minimum for program - 737 > 680 required | Residual income more than 2.5x the amount required by guidelines<br> Credit Score 30+ points > minimum required<br> Reserves exceed requirement by 6 months or more | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 847734 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 847853 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 847885 | xxxxxx D A B | Closed | xxxxxx | 2025-10-02 12:12 | 2025-10-08 11:07 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Upon further review, the document(s) are located in original file, nothing further required. Finding resolved - Due Diligence Vendor-10/08/2025 <br> Open-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-10/08/2025 |  | Resolved-Upon further review, the document(s) are located in original file, nothing further required. Finding resolved - Due Diligence Vendor-10/08/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 776. Per guide, a minimum score required 660.<br>Qualifying DTI below maximum allowed - Borr DTI 36.73%. Per guides, maximum DTI 50%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 847885 | xxxxxx D A B | Closed | xxxxxx | 2025-10-02 20:16 | 2025-10-06 10:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Received Flood Certificate - Due Diligence Vendor-10/06/2025 <br> Open-Missing Flood Certificate - Due Diligence Vendor-10/03/2025 |  | Resolved-Received Flood Certificate - Due Diligence Vendor-10/06/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 776. Per guide, a minimum score required 660.<br>Qualifying DTI below maximum allowed - Borr DTI 36.73%. Per guides, maximum DTI 50%. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 847903 | xxxxxx D B A | Closed | xxxxxx | 2025-08-29 18:57 | 2025-09-05 15:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-09/05/2025 <br> Ready for Review-Document Uploaded. - Seller-09/03/2025 <br> Ready for Review-Document Uploaded. xxxxxx attached - Seller-09/02/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Missing evidence of Lender required Gap Credit Report - Due Diligence Vendor-08/29/2025 | Ready for Review-Document Uploaded. - Seller-09/03/2025 <br>Ready for Review-Document Uploaded. xxxxxx attached - Seller-09/02/2025<br>| Resolved-Received Gap Report. - Due Diligence Vendor-09/05/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 20.67%; max allowable 49.99%<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 751; guidelines require 660 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 847903 | xxxxxx D B A | Closed | xxxxxx | 2025-08-28 08:33 | 2025-08-28 08:33 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Partially Provided | Waived-Homeownership Counseling Disclosure Is Partially Provided (Date Creditor Received Application is xxxxxx and Occupancy is Primary Residence) Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-08/28/2025 |  | Waived-Homeownership Counseling Disclosure Is Partially Provided (Date Creditor Received Application is xxxxxx and Occupancy is Primary Residence) Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-08/28/2025 | Qualifying DTI below maximum allowed - Qualifying DTI 20.67%; max allowable 49.99%<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 751; guidelines require 660 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | xxxxxx |
| 847907 | xxxxxx D B A | Closed | xxxxxx | 2025-08-29 14:53 | 2025-09-09 09:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Received worksheet. - Due Diligence Vendor-09/09/2025 <br> Ready for Review-Document Uploaded. please see income wrksheet with months disclosed - Seller-09/04/2025 <br> Counter-Worksheet provided, however it does not disclosed the months used for qualification. - Due Diligence Vendor-09/04/2025 <br> Ready for Review-Document Uploaded. please see income worksheet - Seller-09/02/2025 <br> Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing Missing Lender 12mos Bank Statement Worksheet - Due Diligence Vendor-08/29/2025 | Ready for Review-Document Uploaded. please see income wrksheet with months disclosed - Seller-09/04/2025 <br>Ready for Review-Document Uploaded. please see income worksheet - Seller-09/02/2025<br>| Resolved-Received worksheet. - Due Diligence Vendor-09/09/2025<br>| Qualifying DTI below maximum allowed - Borr DTI 19.64%. Per guides, maximum DTI 49.99%.<br>Months Reserves exceed minimum required - 7.84mos reserves. Per guides, 4mos reserves required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 847907 | xxxxxx D B A | Closed | xxxxxx | 2025-08-28 09:04 | 2025-08-28 09:08 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-08/28/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-08/28/2025<br>| Qualifying DTI below maximum allowed - Borr DTI 19.64%. Per guides, maximum DTI 49.99%.<br>Months Reserves exceed minimum required - 7.84mos reserves. Per guides, 4mos reserves required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | xxxxxx |
| 847909 | xxxxxx D A | Closed | xxxxxx | 2025-09-02 16:26 | 2025-09-16 15:09 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received source of the additional deposits. Audited Reserves of 4.49 month(s) are greater than or equal to Guideline Required Reserves of 4 month(s) - Due Diligence Vendor-09/16/2025 <br> Ready for Review-Document Uploaded. xxxxxx, it was already in the file please waive condition - Seller-09/12/2025 <br> Counter-Received PCCD-missing source of xxxxxx and xxxxxx deposits. Review received gift funds $139k and verified assets of $51,477.02. - Due Diligence Vendor-09/10/2025 <br> Ready for Review-Document Uploaded. PCCD attached - Seller-09/05/2025 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 4 month(s) Missing evidence of Lender required 4-months reserves (P&I) - Due Diligence Vendor-09/02/2025 | Ready for Review-Document Uploaded. xxxxxx, it was already in the file please waive condition - Seller-09/12/2025 <br>Ready for Review-Document Uploaded. PCCD attached - Seller-09/05/2025<br>| Resolved-Received source of the additional deposits. Audited Reserves of 4.49 month(s) are greater than or equal to Guideline Required Reserves of 4 month(s) - Due Diligence Vendor-09/16/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 42.84%; max allowable 49.99%<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO scores 742; guidelines require 680 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 847909 | xxxxxx D A | Closed | xxxxxx | 2025-09-02 16:25 | 2025-09-16 15:09 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Received source of the additional deposits. - Due Diligence Vendor-09/16/2025 <br> Ready for Review-Document Uploaded. xxxxxx, it was already in the file please waive condition - Seller-09/12/2025 <br> Counter-Received PCCD-missing source of xxxxxx and xxxxxx deposits. Review received gift funds $139k and verified assets of $51,477.02. - Due Diligence Vendor-09/10/2025 <br> Ready for Review-Document Uploaded. PCCD attached - Seller-09/05/2025 <br> Open-Total Qualified Assets Post-Close amount is '$-108678.37'. Assets are Insufficient. Short funds to close in the amount of $108,678.37. Verified assets equal $51,477.02. - Due Diligence Vendor-09/03/2025 | Ready for Review-Document Uploaded. xxxxxx, it was already in the file please waive condition - Seller-09/12/2025 <br>Ready for Review-Document Uploaded. PCCD attached - Seller-09/05/2025<br>| Resolved-Received source of the additional deposits. - Due Diligence Vendor-09/16/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 42.84%; max allowable 49.99%<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO scores 742; guidelines require 680 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 847909 | xxxxxx D A | Closed | xxxxxx | 2025-09-02 13:44 | 2025-09-10 13:08 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-After further review, the pending litigation has been settled and the association was awarded a settlement. this documentation has to be provided/disclosed for sale purposes. Condition resolved as this is not an active litigation - Due Diligence Vendor-09/10/2025 <br> Ready for Review-Document Uploaded. HOA Questionnaire attached - Seller-09/05/2025 <br> Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. Missing the required condo questionnaire. - Due Diligence Vendor-09/02/2025 | Ready for Review-Document Uploaded. HOA Questionnaire attached - Seller-09/05/2025<br>| Resolved-After further review, the pending litigation has been settled and the association was awarded a settlement. this documentation has to be provided/disclosed for sale purposes. Condition resolved as this is not an active litigation - Due Diligence Vendor-09/10/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 42.84%; max allowable 49.99%<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO scores 742; guidelines require 680 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 847909 | xxxxxx D A | Closed | xxxxxx | 2025-09-02 13:55 | 2025-09-10 08:51 | Resolved | 1 - Information C A | Credit | Insurance | HO6 Insurance Policy Effective Date is after the Note Date | Resolved-Received PCCD. - Due Diligence Vendor-09/10/2025 <br> Ready for Review-Document Uploaded. PCCD attached - Seller-09/05/2025 <br> Open-HO-6 Insurance Policy Effective Date of xxxxxx is after the Note Date of xxxxxx HO6 effective date is xxxxxx, the disburasement date is xxxxxx, missing evidence of HO6 insurance at time of closing. - Due Diligence Vendor-09/02/2025 | Ready for Review-Document Uploaded. PCCD attached - Seller-09/05/2025<br>| Resolved-Received PCCD. - Due Diligence Vendor-09/10/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 42.84%; max allowable 49.99%<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO scores 742; guidelines require 680 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 847909 | xxxxxx D A | Closed | xxxxxx | 2025-09-02 14:39 | 2025-09-09 16:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-09/09/2025 <br> Ready for Review-Document Uploaded. xxxxxx attached - Seller-09/05/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Missing the required GAP credit report. - Due Diligence Vendor-09/02/2025 | Ready for Review-Document Uploaded. xxxxxx attached - Seller-09/05/2025<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-09/09/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 42.84%; max allowable 49.99%<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO scores 742; guidelines require 680 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 847911 | xxxxxx C B A | Closed | xxxxxx | 2025-09-10 08:45 | 2025-09-19 17:12 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received business bank statement and confirmation of ownership and use-reserves are sufficient. - Due Diligence Vendor-09/19/2025 <br> Ready for Review-Document Uploaded. Please review the attached PCCD and bank statement again. - Seller-09/18/2025 <br> Counter-Received PCCD-insufficient reserves remain. - Due Diligence Vendor-09/16/2025 <br> Ready for Review-Document Uploaded. The required reserve is $25,476.32 = [(4\*SUBJECT_P&I)]. Please review the attached PCCD and the borrower's asset again. - Seller-09/16/2025 <br> Open-Audited Reserves of 0.27 month(s) are less than Guideline Required Reserves of 4 month(s) Assets: Assets are insufficient to meet reserves and closing cost. - Due Diligence Vendor-09/10/2025 | Ready for Review-Document Uploaded. Please review the attached PCCD and bank statement again. - Seller-09/18/2025 <br>Ready for Review-Document Uploaded. The required reserve is $25,476.32 = [(4\*SUBJECT_P&I)]. Please review the attached PCCD and the borrower's asset again. - Seller-09/16/2025<br>| Resolved-Received business bank statement and confirmation of ownership and use-reserves are sufficient. - Due Diligence Vendor-09/19/2025<br>| Qualifying DTI below maximum allowed - DTI = 44.26% - Max DTI = 49.99%<br>Credit history exceeds minimum required - Credit History = 71 Months Minimum Credit History = 24 Months |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 847911 | xxxxxx C B A | Closed | xxxxxx | 2025-09-12 14:01 | 2025-09-16 11:04 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-09/16/2025 <br> Ready for Review-Document Uploaded. The CPA confirms that all deposits are business income. Please waive this condition. - Seller-09/15/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Income and Employment Do Not Meet Guidelines Income: xxxxxx- 12 MO BS- Guideline 10.1 indicate Transfers and Large deposits outside of normal average deposits will not be included in the income calculation. File did not document source of large deposits and excluding transfers resulted in a lower income. Finding added to provide source of large deposits. Income: xxxxxx -12mo BS guideline 8.4 Occupancy Conversion- If converted within the last 60days, must show signed lease and bank statement showing the deposit of security check and rental payments. File did not include proof of rent - Due Diligence Vendor-09/12/2025 | Ready for Review-Document Uploaded. The CPA confirms that all deposits are business income. Please waive this condition. - Seller-09/15/2025<br>| Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-09/16/2025<br>| Qualifying DTI below maximum allowed - DTI = 44.26% - Max DTI = 49.99%<br>Credit history exceeds minimum required - Credit History = 71 Months Minimum Credit History = 24 Months |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 847911 | xxxxxx C B A | Closed | xxxxxx | 2025-09-10 08:03 | 2025-09-16 08:59 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Received CPA letter confirming deposits are business related. Received amended 1008/1003 removing rental income from departing residence. - Due Diligence Vendor-09/16/2025 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-09/16/2025 <br> Ready for Review-Document Uploaded. The CPA confirms that all deposits are business income. Please waive this condition. - Seller-09/15/2025 <br> Open-Income and Employment Do Not Meet Guidelines Income: xxxxxx- 12 MO BS- Guideline 10.1 indicate Transfers and Large deposits outside of normal average deposits will not be included in the income calculation. File did not document source of large deposits and excluding transfers resulted in a lower income. Finding added to provide source of large deposits.<br>Income: xxxxxx -12mo BS guideline 8.4 Occupancy Conversion- If converted within the last 60days, must show signed lease and bank statement showing the deposit of security check and rental payments. File did not include proof of rent. Finding added to document rental income. - Due Diligence Vendor-09/10/2025 | Ready for Review-Document Uploaded. The CPA confirms that all deposits are business income. Please waive this condition. - Seller-09/15/2025<br>| Resolved-Received CPA letter confirming deposits are business related. Received amended 1008/1003 removing rental income from departing residence. - Due Diligence Vendor-09/16/2025<br>| Qualifying DTI below maximum allowed - DTI = 44.26% - Max DTI = 49.99%<br>Credit history exceeds minimum required - Credit History = 71 Months Minimum Credit History = 24 Months |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 847911 | xxxxxx C B A | Closed | xxxxxx | 2025-09-08 15:16 | 2025-09-16 07:41 | Resolved | 1 - Information C A | Compliance | TRID | Closing Disclosure Issue | Resolved-Rec'd fee clarification. Finding resolved. - Due Diligence Vendor-09/16/2025 <br> Ready for Review-Document Uploaded. The COC for increased loan discount point was already provided. Also, the loan origination fee is a lender-paid fee. Please review again and waive this condition. - Seller-09/14/2025 <br> Open------Final CD reflects a Loan Origination fee paid by Lender that was not disclosed on initial LE nor has a COC been provided for this increase. If this fee is Loan Originator Compensation, it must be identified as such on the final CD. A Loan Origination fee is a borrower paid fee and included in tolerance testing unless previously agreed this would be a lender responsibility per a Rate-Lock agreement or similar documentation. Fee clarification must be provided and upon receipt, additional findings may apply. - Due Diligence Vendor-09/08/2025 | Ready for Review-Document Uploaded. The COC for increased loan discount point was already provided. Also, the loan origination fee is a lender-paid fee. Please review again and waive this condition. - Seller-09/14/2025<br>| Resolved-Rec'd fee clarification. Finding resolved. - Due Diligence Vendor-09/16/2025<br>| Qualifying DTI below maximum allowed - DTI = 44.26% - Max DTI = 49.99%<br>Credit history exceeds minimum required - Credit History = 71 Months Minimum Credit History = 24 Months |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 847911 | xxxxxx C B A | Closed | xxxxxx | 2025-09-08 15:05 | 2025-09-09 08:22 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material findings. - Due Diligence Vendor-09/09/2025 |  | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material findings. - Due Diligence Vendor-09/09/2025<br>| Qualifying DTI below maximum allowed - DTI = 44.26% - Max DTI = 49.99%<br>Credit history exceeds minimum required - Credit History = 71 Months Minimum Credit History = 24 Months |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 847921 | xxxxxx B A | Closed | xxxxxx | 2025-10-02 11:27 | 2025-10-07 09:07 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Upon further review, no further documentation is needed or required. xxxxxx is not required.<br> - Due Diligence Vendor-10/07/2025 |  | Resolved-Upon further review, no further documentation is needed or required. xxxxxx is not required.<br> - Due Diligence Vendor-10/07/2025 | Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 729 is higher than the required 660<br>Qualifying DTI below maximum allowed - DTI 35.92% is lower than allowable 50% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 847955 | xxxxxx B A | Closed | xxxxxx | 2025-09-25 11:36 | 2025-09-25 11:43 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings - Due Diligence Vendor-09/25/2025 |  | Waived-Required Affiliated Business Disclosure Missing Client waiver applied to non-material Findings - Due Diligence Vendor-09/25/2025<br>| Qualifying DTI below maximum allowed - DTI = 44.54% - Max DTI = 50%<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 738 Min FICO = 660 |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 847981 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 848037 | xxxxxx D A | Closed | xxxxxx | 2025-10-01 08:17 | 2025-10-06 09:44 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-10/06/2025 <br>Open-The Initial 1003 is Missing ----- please provide initial 1003 - Due Diligence Vendor-10/01/2025 |  | Resolved-The Initial 1003 is Present - Due Diligence Vendor-10/06/2025<br>| Months Reserves exceed minimum required - >12 vs. 3 months required. <br>Qualifying DTI below maximum allowed - 21.44% vs. max DTI 50% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 848057 | xxxxxx D A | Closed | xxxxxx | 2025-09-18 11:35 | 2025-09-22 13:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing explanation and supporting documentation for large deposit(s) | Resolved-After further review, the cash out is covering reserves and the bank statement is not needed to qualify. - Due Diligence Vendor-09/22/2025 <br> Open-Source large deposit into acct ending #0605 for $30,537.64 - Due Diligence Vendor-09/18/2025 |  | Resolved-After further review, the cash out is covering reserves and the bank statement is not needed to qualify. - Due Diligence Vendor-09/22/2025<br>| LTV is less than guideline maximum - 43% LTV vs. max LTV of 80%<br>Qualifying FICO score is at least 20 points above minimum for program - 703 vs. min FICO 660 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 848066 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 848126 | xxxxxx C B A | Closed | xxxxxx | 2025-09-25 11:12 | 2025-09-30 12:52 | Resolved | 1 - Information C A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-Appraiser state detectors were present and tested. - Due Diligence Vendor-09/30/2025 <br> Open-Property Issues are identified for the property Appraiser did not comment on xxxxxx are required in all residential settings. - Due Diligence Vendor-09/25/2025 |  | Resolved-Appraiser state detectors were present and tested. - Due Diligence Vendor-09/30/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 703; minimum score 660.<br> On time mortgage history exceeds guideline requirement - on time mortgage 0x30 pay history since xxxxxx |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 848126 | xxxxxx C B A | Closed | xxxxxx | 2025-09-25 06:47 | 2025-09-30 12:50 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received Final Title with sufficient coverage. - Due Diligence Vendor-09/30/2025 <br>Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Does not meet loan amount - Due Diligence Vendor-09/25/2025 |  | Resolved-Received Final Title with sufficient coverage. - Due Diligence Vendor-09/30/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 703; minimum score 660.<br> On time mortgage history exceeds guideline requirement - on time mortgage 0x30 pay history since xxxxxx |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 848126 | xxxxxx C B A | Closed | xxxxxx | 2025-09-23 18:25 | 2025-09-30 10:45 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Received COC xxxxxx, rate change. Finding resolved. - Due Diligence Vendor-09/30/2025 <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 ($10,500.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($15,750.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Lender credit decreased from $15,750 to $10,500 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $10,500, 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 xxxxxx. - Due Diligence Vendor-09/23/2025 |  | Resolved-Received COC xxxxxx, rate change. Finding resolved. - Due Diligence Vendor-09/30/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 703; minimum score 660.<br> On time mortgage history exceeds guideline requirement - on time mortgage 0x30 pay history since xxxxxx |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 848126 | xxxxxx C B A | Closed | xxxxxx | 2025-09-23 18:06 | 2025-09-23 18:06 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-09/23/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-09/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 703; minimum score 660.<br> On time mortgage history exceeds guideline requirement - on time mortgage 0x30 pay history since xxxxxx |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | xxxxxx |
| 848172 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 848173 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 848207 | xxxxxx C B A | Closed | xxxxxx | 2025-09-29 15:50 | 2025-10-01 12:59 | Waived | 2 - Non-Material B | Credit | Insurance | Flood Certification Date is greater than Note Date | Waived-The request for an exception to eligibility criteria is granted Flood Cert Post close - Due Diligence Vendor-10/01/2025 <br> Open-Flood Certification Date is greater than xxxxxx Post-close flood certificate. However, not located in a flood zone. Downgraded to B. - Due Diligence Vendor-09/29/2025 |  | Waived-The request for an exception to eligibility criteria is granted Flood Cert Post close - Due Diligence Vendor-10/01/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 705 qualifying FICO score, 660 minimum score required.<br>LTV is less than guideline maximum - 65% LTV ratio, maximum LTV allowed is 70%. | Compensating Factor 1 - LTV/CLTV 5% or more below the maximum allowed under applicable guidelines / Compensating Factor 2 - Credit Score 30+ points > minimum required | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 848207 | xxxxxx C B A | Closed | xxxxxx | 2025-09-30 09:04 | 2025-09-30 11:32 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Property | Waived-Investor waiver applied to non-material finding with compensating factors. - Due Diligence Vendor-09/30/2025 <br> Open-Per xxxxxx guides ADUs are not permitted with a xxxxxx-unit dwelling (B2-xxxxxx, Special Property Eligibility Considerations (xxxxxx)). Exception in file to allow an ADU on a xxxxxx unit property. Regarding the compensating factor for residual income, it should be noted that residual income was not a guideline requirement for the originator. However, the client's guidelines do require residual income. - Due Diligence Vendor-09/30/2025 |  | Waived-Investor waiver applied to non-material finding with compensating factors. - Due Diligence Vendor-09/30/2025 | Qualifying FICO score is at least 20 points above minimum for program - 705 qualifying FICO score, 660 minimum score required.<br>LTV is less than guideline maximum - 65% LTV ratio, maximum LTV allowed is 70%. | Credit Score - Credit Score 30+ points > minimum required<br> LTV/CLTV - LTV/CLTV 5% or more below the maximum allowed under applicable guidelines<br> Residual Income - Residual income more than 2.5x the amount required by guidelines | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxxxxx |
| 848210 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 848235 | xxxxxx B A | Closed | xxxxxx | 2025-09-25 13:33 | 2025-09-25 13:33 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Home Loan Toolkit is Missing | Waived-The Home Loan Toolkit disclosure is missing. Client waiver applied to non-material Findings. - Due Diligence Vendor-09/25/2025 |  | Waived-The Home Loan Toolkit disclosure is missing. Client waiver applied to non-material Findings. - Due Diligence Vendor-09/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score for grading is 802, guideliner minimum is 640.<br>Months Reserves exceed minimum required - 21.03 months reserves; 3 months reserves required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 848236 | xxxxxx B A | Closed | xxxxxx | 2025-09-29 11:08 | 2025-09-29 11:50 | Waived | 2 - Non-Material B | Compliance | Data | Borrower 1 Final Signature Date is in the future | Waived-Borrower 1 Final Signature Date is greater than the transaction date of xxxxxx ----- Client waiver applied to non-material finding. - Due Diligence Vendor-09/29/2025 |  | Waived-Borrower 1 Final Signature Date is greater than the transaction date of xxxxxx ----- Client waiver applied to non-material finding. - Due Diligence Vendor-09/29/2025 | Residual Income =/> 1.5 times $3,500 monthly residual income - Residual income is greater than $5250<br>Months Reserves exceed minimum required - 33 months reserves exceed the minimum 6 months. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Investor Post-Close | No | xxxxxx |
| 848250 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 848265 | xxxxxx D B A | Closed | xxxxxx | 2025-09-08 11:39 | 2025-09-11 15:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-09/11/2025 <br>Ready for Review-Document Uploaded. xxxxxx attached - Seller-09/09/2025 <br>Open-Borrower 1 Gap Credit Report is Missing MISSING GAP CREDIT REPORT - Due Diligence Vendor-09/08/2025 | Ready for Review-Document Uploaded. xxxxxx attached - Seller-09/09/2025<br>| Resolved-Received Gap Report. - Due Diligence Vendor-09/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO IS 731, MINIMUM IS 680<br>Qualifying DTI below maximum allowed - DTI IS 40.2%, MAXIMUM IS 49.99% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 848265 | xxxxxx D B A | Closed | xxxxxx | 2025-09-05 17:25 | 2025-09-05 17:25 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-09/05/2025 |  | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-09/05/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO IS 731, MINIMUM IS 680<br>Qualifying DTI below maximum allowed - DTI IS 40.2%, MAXIMUM IS 49.99% |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 848266 | xxxxxx D A | Closed | xxxxxx | 2025-09-15 11:57 | 2025-09-29 17:01 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received Final Title w/sufficient coverage. - Due Diligence Vendor-09/29/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-09/25/2025 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Amount of coverage is less than Total Amount of Subject Lien(s). - Due Diligence Vendor-09/15/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-09/25/2025<br>| Resolved-Received Final Title w/sufficient coverage. - Due Diligence Vendor-09/29/2025<br>| Months Reserves exceed minimum required - Total qualifying 84 months reserves; 0 months reserves required<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying fico 749, min 660. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 848266 | xxxxxx D A | Closed | xxxxxx | 2025-09-15 13:30 | 2025-09-23 09:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received credit refresh. - Due Diligence Vendor-09/23/2025 <br>Ready for Review-Document Uploaded. xxxxxx attached - Seller-09/19/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Gap Credit Report is Missing - Due Diligence Vendor-09/15/2025 | Ready for Review-Document Uploaded. xxxxxx attached - Seller-09/19/2025<br>| Resolved-Received credit refresh. - Due Diligence Vendor-09/23/2025<br>| Months Reserves exceed minimum required - Total qualifying 84 months reserves; 0 months reserves required<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying fico 749, min 660. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 848279 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 848280 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 848281 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 848282 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 848283 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 848286 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 848287 | xxxxxx C A | Closed | xxxxxx | 2025-09-17 16:13 | 2025-09-25 17:48 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Upon further review, housing history is only required for the subject and Primary. - Due Diligence Vendor-09/25/2025 <br> Ready for Review-Document Uploaded. xxxxxx, please see attached, xxxxxx - Seller-09/23/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Need VOR from xxxxxx to complete housing history - Due Diligence Vendor-09/17/2025 | Ready for Review-Document Uploaded. xxxxxx, please see attached, xxxxxx - Seller-09/23/2025<br>| Resolved-Upon further review, housing history is only required for the subject and Primary. - Due Diligence Vendor-09/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 730 vs. min FICO 680<br>Months Reserves exceed minimum required - >125 months vs. 0 required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 848610 | xxxxxx C A | Closed | xxxxxx | 2025-09-25 09:30 | 2025-10-02 16:38 | Resolved | 1 - Information C A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-pictures of xxxxxx received - Due Diligence Vendor-10/02/2025 <br> Ready for Review-Document Uploaded. - Seller-10/01/2025 <br> Open-Appraisal has issues (credit). Originator to provide Certification that subject meets state xxxxxx requirements. Appraiser did not comment. - Due Diligence Vendor-09/25/2025 | Ready for Review-Document Uploaded. - Seller-10/01/2025<br>| Resolved-pictures of xxxxxx received - Due Diligence Vendor-10/02/2025 | Months Reserves exceed minimum required - Borrower has 27.3 months of reserves and none are required.<br>Verified employment history exceeds guidelines - Verified employment history exceeds guidelines of >than 11 years. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 848666 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 848691 | xxxxxx C A | Closed | xxxxxx | 2025-09-30 13:21 | 2025-10-07 11:05 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Received PCCD with a disbursement date of xxxxxx - Due Diligence Vendor-10/07/2025 <br> Open-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx No Add. HOI docs on file - Due Diligence Vendor-09/30/2025 |  | Resolved-Received PCCD with a disbursement date of xxxxxx - Due Diligence Vendor-10/07/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 721<br>Months Reserves exceed minimum required - 8.31 mths reserves; 6 mths required. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 849184 | xxxxxx D A | Closed | xxxxxx | 2025-09-03 15:53 | 2025-09-08 18:22 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received WVOE - Due Diligence Vendor-09/08/2025 <br>Ready for Review-Document Uploaded. xxxxxx, please see attached, xxxxxx - Seller-09/03/2025 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. ATR/QM: status pending because file does not contain a WVOE. - Due Diligence Vendor-09/03/2025 | Ready for Review-Document Uploaded. xxxxxx, please see attached, xxxxxx - Seller-09/03/2025<br>| Resolved-Received WVOE - Due Diligence Vendor-09/08/2025<br>| Qualifying DTI below maximum allowed - DTI 40.19%. Max DTI allowed 50%.<br>Verified employment history exceeds guidelines - Employed 4+ Years - Minimum Employment = 2 Years |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 849184 | xxxxxx D A | Closed | xxxxxx | 2025-09-03 14:49 | 2025-09-08 18:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 WVOE Missing | Resolved-Borrower 1 WVOE Provided - Due Diligence Vendor-09/08/2025 <br>Ready for Review-Document Uploaded. xxxxxx, please see attached, xxxxxx - Seller-09/03/2025 <br>Open-Borrower 1 WVOE Missing Provide a copy of the WVOE. Additional conditions may apply upon receipt of the WVOE. - Due Diligence Vendor-09/03/2025 | Ready for Review-Document Uploaded. xxxxxx, please see attached, xxxxxx - Seller-09/03/2025<br>| Resolved-Borrower 1 WVOE Provided - Due Diligence Vendor-09/08/2025<br>| Qualifying DTI below maximum allowed - DTI 40.19%. Max DTI allowed 50%.<br>Verified employment history exceeds guidelines - Employed 4+ Years - Minimum Employment = 2 Years |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 849184 | xxxxxx D A | Closed | xxxxxx | 2025-09-03 15:39 | 2025-09-08 18:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Resolved-Received Fraud Alert identity Verification Form. - Due Diligence Vendor-09/08/2025 <br>Ready for Review-Document Uploaded. xxxxxx, please see attached, xxxxxx - Seller-09/04/2025 <br>Open-The credit report page 30 reflects that the borrower is a victim of an ID theft. Provide a processor cert indicating that the borrower was contacted to verify her identity. - Due Diligence Vendor-09/03/2025 | Ready for Review-Document Uploaded. xxxxxx, please see attached, xxxxxx - Seller-09/04/2025<br>| Resolved-Received Fraud Alert identity Verification Form. - Due Diligence Vendor-09/08/2025<br>| Qualifying DTI below maximum allowed - DTI 40.19%. Max DTI allowed 50%.<br>Verified employment history exceeds guidelines - Employed 4+ Years - Minimum Employment = 2 Years |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 849188 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 849312 | xxxxxx D A | Closed | xxxxxx | 2025-09-17 10:04 | 2025-09-29 16:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-09/29/2025 <br>Ready for Review-Document Uploaded. xxxxxx attached - Seller-09/25/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Missing Gap Credit Report - Due Diligence Vendor-09/17/2025 | Ready for Review-Document Uploaded. xxxxxx attached - Seller-09/25/2025<br>| Resolved-Received Gap Report. - Due Diligence Vendor-09/29/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 721. Per guide, a minimum score required 680.<br>On time mortgage history exceeds guideline requirement - Borrs 99mos 0x30 mortgage pay history. Per guides, minimum 12mos 0x30 mortgage/rental pay history. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 849312 | xxxxxx D A | Closed | xxxxxx | 2025-09-16 21:08 | 2025-09-29 16:57 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Page 1 of the DOT - Due Diligence Vendor-09/29/2025 <br>Ready for Review-Document Uploaded. Dot re attached - Seller-09/25/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Page 1 of DOT - Due Diligence Vendor-09/17/2025 | Ready for Review-Document Uploaded. Dot re attached - Seller-09/25/2025<br>| Resolved-Received Page 1 of the DOT - Due Diligence Vendor-09/29/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Borr qualifying FICO score 721. Per guide, a minimum score required 680.<br>On time mortgage history exceeds guideline requirement - Borrs 99mos 0x30 mortgage pay history. Per guides, minimum 12mos 0x30 mortgage/rental pay history. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 849731 | xxxxxx D A | Closed | xxxxxx | 2025-09-10 19:04 | 2025-09-19 17:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received credit refresh. - Due Diligence Vendor-09/16/2025 <br>Ready for Review-Document Uploaded. xxxxxx please see xxxxxx - Seller-09/15/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Missing Gap Credit Report - Due Diligence Vendor-09/10/2025 | Ready for Review-Document Uploaded. xxxxxx please see xxxxxx - Seller-09/15/2025<br>| Resolved-Received credit refresh. - Due Diligence Vendor-09/16/2025<br>| Qualifying DTI below maximum allowed - Borr DTI 39.05%. Per guides, maximum DTI 49.99%.<br>Months Reserves exceed minimum required - 66.26mos reserves. Per guides, 6mos reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849731 | xxxxxx D A | Closed | xxxxxx | 2025-09-10 19:04 | 2025-09-19 17:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Received credit refresh. - Due Diligence Vendor-09/16/2025 <br>Ready for Review-Document Uploaded. xxxxxx please See xxxxxx - Seller-09/15/2025 <br>Open-Borrower 2 Gap Credit Report is Missing Missing Gap Credit Report - Due Diligence Vendor-09/10/2025 | Ready for Review-Document Uploaded. xxxxxx please See xxxxxx - Seller-09/15/2025<br>| Resolved-Received credit refresh. - Due Diligence Vendor-09/16/2025<br>| Qualifying DTI below maximum allowed - Borr DTI 39.05%. Per guides, maximum DTI 49.99%.<br>Months Reserves exceed minimum required - 66.26mos reserves. Per guides, 6mos reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849731 | xxxxxx D A | Closed | xxxxxx | 2025-09-10 19:38 | 2025-09-19 17:29 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received payoffs reflecting current. - Due Diligence Vendor-09/19/2025 <br> Ready for Review-Document Uploaded. Please See Payoff and it shows there is no late on Mortgage - Seller-09/18/2025 <br> Counter-Received CD dated xxxxxx-missing July and Aug payment for primary residence for 1st lien xxxxxx and 2nd lien xxxxxx. - Due Diligence Vendor-09/16/2025 <br> Ready for Review-Document Uploaded. Please See Note,FCD HOI and Payoff for xxxxxx - Seller-09/15/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Subject NOOC. Missing VOM for Borr REO xxxxxx, primary residence. Final 1003 reflect new mortgage with xxxxxx, acct# xxxxxx. - Due Diligence Vendor-09/10/2025 | Ready for Review-Document Uploaded. Please See Payoff and it shows there is no late on Mortgage - Seller-09/18/2025 <br> Ready for Review-Document Uploaded. Please See Note,FCD HOI and Payoff for xxxxxx - Seller-09/15/2025 | Resolved-Received payoffs reflecting current. - Due Diligence Vendor-09/19/2025<br>| Qualifying DTI below maximum allowed - Borr DTI 39.05%. Per guides, maximum DTI 49.99%.<br>Months Reserves exceed minimum required - 66.26mos reserves. Per guides, 6mos reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849731 | xxxxxx D A | Closed | xxxxxx | 2025-09-10 19:08 | 2025-09-19 17:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received SAM clearance. - Due Diligence Vendor-09/19/2025 <br> Ready for Review-Document Uploaded. Please See GSA/LDP for Escorw Ofifcer - Seller-09/18/2025 <br> Counter-Received fraud and mgt acknowledgment --missing SAM clearance for Escrow officer. - Due Diligence Vendor-09/16/2025 <br> Ready for Review-Document Uploaded. Please See xxxxxx Fraud Alert - Seller-09/15/2025 <br> Open-Missing Third Party Fraud Report. Must provide and include OFAC and all participants - Due Diligence Vendor-09/10/2025 | Ready for Review-Document Uploaded. Please See GSA/LDP for Escorw Ofifcer - Seller-09/18/2025 <br>Ready for Review-Document Uploaded. Please See xxxxxx Fraud Alert - Seller-09/15/2025<br>| Resolved-Received SAM clearance. - Due Diligence Vendor-09/19/2025<br>| Qualifying DTI below maximum allowed - Borr DTI 39.05%. Per guides, maximum DTI 49.99%.<br>Months Reserves exceed minimum required - 66.26mos reserves. Per guides, 6mos reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849731 | xxxxxx D A | Closed | xxxxxx | 2025-09-10 19:41 | 2025-09-16 15:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received CD for recent refi on primary residence. - Due Diligence Vendor-09/16/2025 <br> Counter-For clarification-Missing PITIA for primary residence for B2 xxxxxx. - Due Diligence Vendor-09/16/2025 <br> Ready for Review-xxxxxx Team,<br>CAn youplease clarifi what property address are you lookig for. we dont have xxxxxx Property on our 1003. only xxxxxx properties - Seller-09/15/2025 <br> Open-Missing REO #xxxxxx verification of taxes, insurance, and/or HOA fees. - Due Diligence Vendor-09/10/2025 | Ready for Review-xxxxxx Team,<br>CAn youplease clarifi what property address are you lookig for. we dont have xxxxxx Property on our 1003. only xxxxxx properties - Seller-09/15/2025 | Resolved-Received CD for recent refi on primary residence. - Due Diligence Vendor-09/16/2025<br>| Qualifying DTI below maximum allowed - Borr DTI 39.05%. Per guides, maximum DTI 49.99%.<br>Months Reserves exceed minimum required - 66.26mos reserves. Per guides, 6mos reserves required. |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 849735 | xxxxxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |

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## Exhibit 99.17

**EXHIBIT 99.17**

**Clarifii Rating Agency Grades Summary Report**

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| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Original Loan Amount** | **Initial Credit Loan Grades Moody's** | **Initial Compliance Loan Grades Moody's** | **Initial Property Loan Grades Moody's** | **Initial Overall Loan Grades Moody's** | **Final Credit Loan Grades Moody's** | **Final Compliance Loan Grades Moody's** | **Final Property Loan Grades Moody's** | **Final Overall Loan Grades Moody's** |
| 830235 | xxxxxx | xxxxxx C | C A | A D | D | D B | B A | A | A B | B |
| 830290 | xxxxxx | xxxxxx A | N/A C | N/A C | N/A C | N/A C | N/A | N/A B | N/A B | N/A B |
| 835724 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 837436 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 837625 | xxxxxx | xxxxxx C | C B | B A | A C | C A | A B | B A | A B | B |
| 837813 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A B | B A | A B | B |
| 838649 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 839382 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 839503 | xxxxxx | xxxxxx D | D C | C D | D | D B | B A | A | A B | B |
| 839513 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 839860 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 839893 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 839974 | xxxxxx | xxxxxx D | D A | A D | D | D A | A | A | A | A |
| 840077 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 840150 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 840165 | xxxxxx | xxxxxx D | N/A D | N/A | N/A D | N/A D B | N/A B | N/A | N/A B | N/A B |
| 840178 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 840220 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 840449 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 840703 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 840782 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A | A | A | A |
| 840861 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 840903 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 840978 | xxxxxx | xxxxxx D | D A | A D | D | D A | A | A | A | A |
| 840993 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 841068 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 841076 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 841106 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 841125 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 841165 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 841179 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 841190 | xxxxxx | xxxxxx C | C A | A D | D | D A | A | A | A | A |
| 841193 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 841200 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 841252 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 841277 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 841282 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 841302 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 841308 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 841357 | xxxxxx | xxxxxx D | D A | A C | C D | D A | A | A | A | A |
| 841378 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 841386 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 841388 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 841581 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 841612 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 841616 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 841623 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 841673 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 841736 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 841753 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 841823 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 841826 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 841863 | xxxxxx | xxxxxx C | C A | A D | D | D A | A | A | A | A |
| 841874 | xxxxxx | xxxxxx D | N/A D B | N/A B | N/A D | N/A D | N/A B | N/A B | N/A B | N/A B |
| 841940 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 841981 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 841991 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 842022 | xxxxxx | xxxxxx D | D | D A | A D | D A | A B | B A | A B | B |
| 842078 | xxxxxx | xxxxxx C | C | C A | A C | C B | B | B A | A B | B |
| 842124 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 842440 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 842441 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 842443 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 842447 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 842473 | xxxxxx | xxxxxx D | N/A D B | N/A B | N/A D | N/A D | N/A B | N/A B | N/A B | N/A B |
| 842481 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 842613 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 842637 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 842659 | xxxxxx | xxxxxx A | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A |
| 842681 | xxxxxx | xxxxxx C | C | C A | A C | C B | B | B A | A B | B |
| 842724 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 842790 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 842819 | xxxxxx | xxxxxx A | A D | D A | A D | D A | A | A | A | A |
| 842836 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 842844 | xxxxxx | xxxxxx C | C A | A C | C | C B | B A | A | A B | B |
| 842923 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 842976 | xxxxxx | xxxxxx A | A D | D A | A D | D A | A | A | A | A |
| 843012 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 843040 | xxxxxx | xxxxxx D | N/A D B | N/A B | N/A D | N/A D | N/A B | N/A B | N/A B | N/A B |
| 843048 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A | A | A | A |
| 843118 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 843414 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 843421 | xxxxxx | xxxxxx C | N/A C D | N/A D | N/A D | N/A D B | N/A B | N/A | N/A B | N/A B |
| 843431 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 843474 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 843476 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 843478 | xxxxxx | xxxxxx B | B A | A | A B | B A | A | A | A | A |
| 843523 | xxxxxx | xxxxxx C | N/A C | N/A | N/A C | N/A C | N/A | N/A | N/A | N/A |
| 843575 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 843576 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 843578 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 843584 | xxxxxx | xxxxxx B | B A | A | A B | B | B A | A | A B | B |
| 843621 | xxxxxx | xxxxxx A | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A |
| 843626 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 843649 | xxxxxx | xxxxxx B | B A | A | A B | B A | A | A | A | A |
| 843660 | xxxxxx | xxxxxx A | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A |
| 843732 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 843745 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 843764 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 843778 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 843786 | xxxxxx | xxxxxx C | N/A C | N/A | N/A C | N/A C | N/A | N/A | N/A | N/A |
| 843791 | xxxxxx | xxxxxx A | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B |
| 843793 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 843834 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 843866 | xxxxxx | xxxxxx B | B A | A | A B | B A | A | A | A | A |
| 843883 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 843888 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 843933 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 843944 | xxxxxx | xxxxxx C | C | C A | A C | C B | B A | A | A B | B |
| 843956 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 843970 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 843989 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 844007 | xxxxxx | xxxxxx C | C A | A D | D | D B | B A | A | A B | B |
| 844024 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 844050 | xxxxxx | xxxxxx A | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B |
| 844061 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 844065 | xxxxxx | xxxxxx C | C B | B A | A C | C B | B | B A | A B | B |
| 844070 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 844071 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 844074 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 844087 | xxxxxx | xxxxxx C | N/A C | N/A C | N/A C | N/A C B | N/A B | N/A | N/A B | N/A B |
| 844118 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 844124 | xxxxxx | xxxxxx C | C B | B A | A C | C B | B | B A | A B | B |
| 844134 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 844171 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 844203 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 844204 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 844209 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 844215 | xxxxxx | xxxxxx A | A | A C | C | C A | A | A | A | A |
| 844220 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A | A | A | A |
| 844289 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 844339 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 844351 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 844362 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 844395 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A | A | A | A |
| 844406 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 844452 | xxxxxx | xxxxxx C | C | C D | D | D B | B A | A | A B | B |
| 844538 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 844542 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 844543 | xxxxxx | xxxxxx C | C A | A D | D | D B | B A | A | A B | B |
| 844556 | xxxxxx | xxxxxx A | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B |
| 844560 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 844563 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 844576 | xxxxxx | xxxxxx C | C | C D | D | D A | A | A | A | A |
| 844581 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 844584 | xxxxxx | xxxxxx C | C B | B A | A C | C A | A B | B A | A B | B |
| 844602 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 844634 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 844635 | xxxxxx | xxxxxx D | D | D A | A D | D A | A | A | A | A |
| 844683 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 844690 | xxxxxx | xxxxxx A | A D | D C | C D | D A | A | A | A | A |
| 844695 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 844696 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 844702 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A | A | A | A |
| 844807 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 844831 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 844879 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 844882 | xxxxxx | xxxxxx D | N/A D B | N/A B | N/A D | N/A D | N/A B | N/A B | N/A B | N/A B |
| 844894 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 844936 | xxxxxx | xxxxxx C | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A |
| 844939 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 845003 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 845161 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A | A | A | A |
| 845169 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 845170 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 845207 | xxxxxx | xxxxxx D | D B | B A | A D | D A | A B | B A | A B | B |
| 845265 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 845266 | xxxxxx | xxxxxx D | N/A D C | N/A C | N/A D | N/A D | N/A | N/A | N/A | N/A |
| 845267 | xxxxxx | xxxxxx A | N/A C | N/A C | N/A C | N/A C | N/A B | N/A B | N/A B | N/A B |
| 845268 | xxxxxx | xxxxxx D | N/A D B | N/A B | N/A D | N/A D B | N/A B | N/A B | N/A B | N/A B |
| 845287 | xxxxxx | xxxxxx A | A | A D | D | D A | A | A | A | A |
| 845379 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 845426 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 845436 | xxxxxx | xxxxxx C | N/A C | N/A C | N/A C | N/A C B | N/A B | N/A B | N/A B | N/A B |
| 845445 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A | A | A | A |
| 845451 | xxxxxx | xxxxxx D | D | D A | A D | D A | A | A | A | A |
| 845453 | xxxxxx | xxxxxx D | D A | A D | D | D A | A | A | A | A |
| 845463 | xxxxxx | xxxxxx A | A | A C | C | C A | A | A | A | A |
| 845465 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 845471 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 845473 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 845492 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 845509 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 845525 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 845528 | xxxxxx | xxxxxx A | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B |
| 845538 | xxxxxx | xxxxxx D | N/A D C | N/A C | N/A D | N/A D | N/A B | N/A B | N/A B | N/A B |
| 845593 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 845595 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 845760 | xxxxxx | xxxxxx D | D | D A | A D | D A | A | A | A | A |
| 845777 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A | A | A | A |
| 845795 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 845796 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 845797 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 845798 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 845812 | xxxxxx | xxxxxx C | C B | B A | A C | C A | A | A | A | A |
| 845820 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A | A | A | A |
| 845827 | xxxxxx | xxxxxx A | A D | D A | A D | D A | A | A | A | A |
| 845833 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 845835 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 845839 | xxxxxx | xxxxxx D | D B | B D | D | D A | A B | B A | A B | B |
| 845841 | xxxxxx | xxxxxx D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A |
| 845856 | xxxxxx | xxxxxx D | D B | B A | A D | D B | B | B A | A B | B |
| 845864 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 845877 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 845957 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 845985 | xxxxxx | xxxxxx B | B A | A | A B | B | B A | A | A B | B |
| 845994 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 845999 | xxxxxx | xxxxxx A | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B |
| 846002 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 846022 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 846023 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A | A | A | A |
| 846024 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A | A | A | A |
| 846027 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A | A | A | A |
| 846141 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 846174 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 846191 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 846192 | xxxxxx | xxxxxx A | A B | B C | C | C A | A B | B A | A B | B |
| 846193 | xxxxxx | xxxxxx D | D B | B A | A D | D A | A B | B A | A B | B |
| 846194 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 846195 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 846196 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 846201 | xxxxxx | xxxxxx D | D B | B A | A D | D A | A B | B A | A B | B |
| 846236 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 846242 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 846243 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 846245 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 846247 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 846259 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 846260 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 846261 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 846263 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 846273 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 846301 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 846302 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 846385 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 846397 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 846400 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 846419 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 846427 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 846450 | xxxxxx | xxxxxx C | C B | B A | A C | C A | A B | B A | A B | B |
| 846479 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 846502 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 846560 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A | A | A | A |
| 846563 | xxxxxx | xxxxxx D | D C | C A | A D | D A | A | A | A | A |
| 846565 | xxxxxx | xxxxxx C | C B | B A | A C | C A | A B | B A | A B | B |
| 846566 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 846568 | xxxxxx | xxxxxx D | D | D A | A D | D A | A B | B A | A B | B |
| 846571 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 846573 | xxxxxx | xxxxxx C | C B | B A | A C | C A | A B | B A | A B | B |
| 846633 | xxxxxx | xxxxxx C | C B | B A | A C | C A | A B | B A | A B | B |
| 846635 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 846637 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 846642 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 846656 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 846736 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 846750 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 846755 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 846758 | xxxxxx | xxxxxx D | D B | B A | A D | D A | A | A | A | A |
| 846795 | xxxxxx | xxxxxx C | C B | B A | A C | C A | A B | B A | A B | B |
| 846804 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 846822 | xxxxxx | xxxxxx C | C B | B A | A C | C B | B A | A | A B | B |
| 846899 | xxxxxx | xxxxxx A | A | A D | D | D A | A | A | A | A |
| 846903 | xxxxxx | xxxxxx C | N/A C | N/A C | N/A C | N/A C B | N/A B | N/A B | N/A B | N/A B |
| 846904 | xxxxxx | xxxxxx D | N/A D | N/A | N/A D | N/A D B | N/A B | N/A | N/A B | N/A B |
| 846905 | xxxxxx | xxxxxx C | N/A C | N/A | N/A C | N/A C | N/A | N/A | N/A | N/A |
| 846906 | xxxxxx | xxxxxx C | N/A C | N/A C | N/A C | N/A C B | N/A B | N/A | N/A B | N/A B |
| 846907 | xxxxxx | xxxxxx C | N/A C | N/A D | N/A D | N/A D B | N/A B | N/A | N/A B | N/A B |
| 846914 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 846968 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 846970 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 846989 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 847028 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 847059 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 847066 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A | A | A | A |
| 847071 | xxxxxx | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 847145 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 847206 | xxxxxx | xxxxxx A | A C | C A | A C | C A | A | A | A | A |
| 847298 | xxxxxx | xxxxxx D | D A | A | A D | D B | B A | A | A B | B |
| 847312 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 847320 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 847330 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 847332 | xxxxxx | xxxxxx D | N/A D C | N/A C | N/A D | N/A D B | N/A B | N/A B | N/A B | N/A B |
| 847373 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 847405 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 847461 | xxxxxx | xxxxxx C | C B | B A | A C | C B | B A | A | A B | B |
| 847472 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 847487 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 847496 | xxxxxx | xxxxxx C | C B | B A | A C | C B | B | B A | A B | B |
| 847507 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 847522 | xxxxxx | xxxxxx C | C B | B A | A C | C A | A | A | A | A |
| 847549 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 847560 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 847573 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 847575 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 847576 | xxxxxx | xxxxxx A | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B | N/A B |
| 847580 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 847597 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 847613 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 847614 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 847636 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 847659 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 847660 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 847672 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 847693 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A | A | A | A |
| 847695 | xxxxxx | xxxxxx A | N/A C | N/A C | N/A C | N/A C | N/A | N/A | N/A | N/A |
| 847710 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 847724 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 847727 | xxxxxx | xxxxxx C | C D | D A | A D | D B | B A | A | A B | B |
| 847734 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 847853 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 847885 | xxxxxx | xxxxxx D | D B | B A | A D | D A | A | A | A | A |
| 847903 | xxxxxx | xxxxxx D | D B | B A | A D | D A | A B | B A | A B | B |
| 847907 | xxxxxx | xxxxxx D | D B | B A | A D | D A | A B | B A | A B | B |
| 847909 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 847911 | xxxxxx | xxxxxx C | C | C A | A C | C A | A B | B A | A B | B |
| 847921 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A | A | A | A |
| 847955 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 847981 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 848037 | xxxxxx | xxxxxx A | A D | D A | A D | D A | A | A | A | A |
| 848057 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 848066 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 848126 | xxxxxx | xxxxxx C | C | C A | A C | C A | A B | B A | A B | B |
| 848172 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 848173 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 848207 | xxxxxx | xxxxxx C | C A | A | A C | C B | B A | A | A B | B |
| 848210 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 848235 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 848236 | xxxxxx | xxxxxx A | A B | B A | A B | B A | A B | B A | A B | B |
| 848250 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 848265 | xxxxxx | xxxxxx D | D B | B A | A D | D A | A B | B A | A B | B |
| 848266 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 848279 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 848280 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 848281 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 848282 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 848283 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 848286 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 848287 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 848666 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 848691 | xxxxxx | xxxxxx C | C A | A | A C | C A | A | A | A | A |
| 849184 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 849188 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 849312 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 849731 | xxxxxx | xxxxxx D | D A | A | A D | D A | A | A | A | A |
| 849735 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A |
| 848610 | xxxxxx | xxxxxx C | N/A C | N/A | N/A C | N/A C | N/A | N/A | N/A | N/A |

---

## Exhibit 99.18

**EXHIBIT 99.18**

**Clarifii Data Compare Report**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 830235 | xxxxxx | xxxxxx | Prepayment Penalty | diligenceFinalLookPage | Yes | No | Per Note Addendum, PPP Rider in file |
| 835724 | xxxxxx | xxxxxx | Borrower 1 Has there been ownership in a property in last 3 yrs | the1003Page | Yes | No | Subject loan refinance of a primary residence |
| 837436 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Mixed Use | Other | Per Appraisal type |
| 839382 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 839503 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 36.3 | 15.05 | Variance due to the consumer debts |
| 839503 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 839893 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 839893 | xxxxxx | xxxxxx | Property City | notePage | xxxxxx | xxxxxx | Per Note |
| 839893 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 840077 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 840165 | xxxxxx | xxxxxx | QM Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 35.6 | 38.66 | Audit consistent with 1008, tape source unknown |
| 840165 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | 1 | Per Appraisal |
| 840165 | xxxxxx | xxxxxx | Occupancy | the1003Page | Investment | 2 | Per Final 1003 |
| 840165 | xxxxxx | xxxxxx | Loan Purpose | the1003Page | Refinance | 2 | Per Final 1003 |
| 840165 | xxxxxx | xxxxxx | Lien Position | TitlePage | 2 | 1 | Per Final 1003 |
| 840178 | xxxxxx | xxxxxx | Interest Rate | notePage | 8 | 8.1250 | Per Note |
| 840178 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 840178 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 61.27 | 60.00 | Loan Amount/Appraised Value. |
| 840178 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 61.27 | 60.00 | Loan Amount/Appraised Value. |
| 840220 | xxxxxx | xxxxxx | Property City | notePage | xxxxxx | xxxxxx | Per Note |
| 840449 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 840703 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | PUD Attached | Per Appraisal |
| 840782 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 840782 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 840993 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 840993 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 840993 | xxxxxx | xxxxxx | Borrower 1 SSN | the1003Page | xxxxxx | xxxxxx | Per Final 1003 |
| 841068 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Condominium High Rise | Condominium | Per Appraisal |
| 841076 | xxxxxx | xxxxxx | Interest Rate | notePage | 7.25 | 7.5000 | Per Note |
| 841076 | xxxxxx | xxxxxx | Prepayment Penalty Total Term | notePage | 0 | 24 | Per Note |
| 841165 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 841179 | xxxxxx | xxxxxx | Borrower 1 SSN | the1003Page | xxxxxx | xxxxxx | Per Final 1003 |
| 841190 | xxxxxx | xxxxxx | Interest Rate | notePage | 7.99 | 0.0799 | Per Note |
| 841193 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 716 | 710 | Per Credit Report |
| 841200 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 76.00 | DSCR loan |
| 841252 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 841282 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 1.00 | DSCR loan |
| 841282 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 841282 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 841302 | xxxxxx | xxxxxx | Maturity Date | notePage | xxxxxx | xxxxxx | Per Note |
| 841302 | xxxxxx | xxxxxx | Property City | notePage | xxxxxx | xxxxxx | Per Note |
| 841302 | xxxxxx | xxxxxx | Interest Rate | notePage | 8.25 | 8.3750 | Per Note |
| 841302 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note |
| 841302 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 841302 | xxxxxx | xxxxxx | Initial Monthly P&I Or IO Payment | notePage | 12884.22 | 13035.24 | Per Note |
| 841388 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 841612 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | PUD Attached | Per Appraisal |
| 841736 | xxxxxx | xxxxxx | Interest Rate | notePage | 7.5 | 0.0750 | Per Note |
| 841736 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | PUD Attached | Per Appraisal |
| 841753 | xxxxxx | xxxxxx | Interest Rate | notePage | 9.75 | 8.3750 | Per Note |
| 841753 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 841753 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 8 | 5 | Per Appraisal |
| 841753 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 70 | 68.35 | Per Appraisal |
| 841753 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 70 | 68.35 | Per Appraisal |
| 841826 | xxxxxx | xxxxxx | Qualifying LTV | crossCollateralPropertyDataPage | 57.07 | 55.00 | Per 1008 |
| 841826 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 841826 | xxxxxx | xxxxxx | Property Zip Code | notePage | xxxxxx | xxxxxx | Per Note |
| 841874 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 841991 | xxxxxx | xxxxxx | Initial Originator Signature Date | complianceDetailPage | xxxxxx | xxxxxx | Per 1003 |
| 841991 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per 1003 |
| 841991 | xxxxxx | xxxxxx | Prepayment Penalty Flag | notePage | Y | false | Per Note |
| 841991 | xxxxxx | xxxxxx | Loan Type | the1003Page | DSCR | Conventional | Per Final 1003 |
| 841991 | xxxxxx | xxxxxx | Borrower 1 Race - Other Asian | the1003Page | xxxxxx | xxxxxx | Per Final 1003 |
| 842440 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 842440 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 842440 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | Single Family Detached | Per Appraisal |
| 842441 | xxxxxx | xxxxxx | Interest Rate | notePage | 7.625 | 0.0762 | Per Note |
| 842443 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 842473 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 785 | 734 | Per Credit Report |
| 842637 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 842637 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 842681 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 48.46 | 44.61 | Audit consistent with 1008, tape source unknown |
| 842790 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 842819 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 778 | 793 | Per Credit Report |
| 842819 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 25.46 | 27.84 | Audit consistent with 1008, tape source unknown |
| 842819 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 842923 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 842976 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 721 | 724 | Per Credit Report |
| 842976 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 28.28 | 14.01 | Audit consistent with 1008, tape source unknown |
| 843040 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 48.27 | 31.98 | Audit consistent with 1008, tape source unknown |
| 843040 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 843040 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Condominium | Single Family Detached | Per Appraisal |
| 843414 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 48.85 | 43.68 | Audit consistent with 1008, tape source unknown |
| 843431 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 843474 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 843476 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 843478 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 30.73 | 12.86 | Audit consistent with 1008, tape source unknown |
| 843523 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 843523 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 78.6 | 77.97 | Per Appraisal |
| 843575 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 20.4 | 9.26 | transfers excluded resulting in lower income |
| 843578 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 843621 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 79.21 | 79.20 | Per Appraisal |
| 843660 | xxxxxx | xxxxxx | Originator QM Status | diligenceFinalLookPage | QM: Safe Harbor APOR (APOR SH) | ATR/QM: Exempt | Per Audit Review - 2nd lien on primary |
| 843732 | xxxxxx | xxxxxx | Initial Originator Signature Date | complianceDetailPage | xxxxxx | xxxxxx | Per 1003 |
| 843732 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per 1003 |
| 843745 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 843778 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note |
| 843786 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 47.25 | 42.13 | Audit consistent with 1008, tape source unknown |
| 843786 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 843791 | xxxxxx | xxxxxx | Refinance Type | the1003Page | Cash Out - Other | No Cash Out - Borrower Initiated | Per Final 1003 |
| 843793 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 843834 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Attached | Per Appraisal |
| 843866 | xxxxxx | xxxxxx | Prepayment Penalty Total Term | notePage | 36 | 0 | Per Note |
| 843866 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Single Family Detached | Single Family Attached | Per Appraisal |
| 843970 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 26.51 | 22.30 | Review used more recent bank statements for lower calculated income |
| 844050 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 697 | 692 | Per Credit Report |
| 844050 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Attached | Per Appraisal |
| 844061 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 844070 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Single Family Attached | Single Family Detached | Per Appraisal |
| 844071 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 844074 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 785 | 798 | Per Credit Report |
| 844074 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 40.34 | 25.50 | Audit consistent with 1008, tape source unknown |
| 844087 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 45.36 | 48.00 | Audit consistent with 1008, tape source unknown |
| 844087 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 844203 | xxxxxx | xxxxxx | Borrower 1 Other Income | the1003Page | 0 | 12380.00 | Per Final 1003 |
| 844204 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per 1003 |
| 844204 | xxxxxx | xxxxxx | Initial Originator Signature Date | complianceDetailPage | xxxxxx | xxxxxx | Per 1003 |
| 844209 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 43.49 | 34.00 | Audit consistent with 1008, tape source unknown |
| 844209 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note |
| 844220 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 36.36 | 28.70 | Audit consistent with 1008, tape source unknown |
| 844220 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 844289 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 32.78 | 44.56 | Audit consistent with 1008, tape source unknown |
| 844339 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 844395 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 844406 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 844406 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | Per Appraisal |
| 844452 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note |
| 844452 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Condominium | Condotel | Per Appraisal |
| 844538 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 844543 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 844543 | xxxxxx | xxxxxx | Borrower 1 SSN | the1003Page | xxxxxx | xxxxxx | Per Final 1003 |
| 844563 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 20.82 | 10.97 | Audit consistent with 1008, tape source unknown |
| 844576 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 776 | 774 | Per Credit Report |
| 844576 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note |
| 844581 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 41.28 | 45.54 | Lender used higher taxes and insurance than actual |
| 844581 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | Single Family Detached | Per Appraisal |
| 844584 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 844584 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 844602 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 16.59 | 11.07 | Audit consistent with 1008, tape source unknown |
| 844602 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 844635 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 40.88 | 48.68 | Audit consistent with 1008, tape source unknown |
| 844683 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 709 | 706 | Per Credit Report |
| 844683 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 29.56 | 34.50 | Variance due to Lender including duplicate T&I for the primary |
| 844690 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 844696 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note |
| 844696 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 844702 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 39.16 | 48.90 | Auditor used addition income; Averaged the Secondary income see worksheet. |
| 844831 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 30.69 | 16.27 | Audit consistent with 1008, tape source unknown |
| 844879 | xxxxxx | xxxxxx | Borrower 1 SSN | the1003Page | xxxxxx | xxxxxx | Per Final 1003 |
| 844936 | xxxxxx | xxxxxx | Originator QM Status | diligenceFinalLookPage | QM: Safe Harbor APOR (APOR SH) | ATR/QM: Exempt | 2nd lien on primary |
| 844939 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | Single Family Attached | Per Appraisal |
| 845003 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 39.23 | 41.87 | Audit consistent with 1008, tape source unknown |
| 845003 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note |
| 845170 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 845207 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 45.85 | 42.89 | Audit consistent with 1008, tape source unknown |
| 845207 | xxxxxx | xxxxxx | Property City | notePage | xxxxxx | xxxxxx | Per Note |
| 845265 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note |
| 845266 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 48.96 | 44.96 | Audit consistent with 1008, tape source unknown |
| 845266 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 845268 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 49.98 | 43.23 | Audit consistent with 1008, tape source unknown |
| 845268 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 845287 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 845379 | xxxxxx | xxxxxx | Borrower 1 Has there been ownership in a property in last 3 yrs | the1003Page | Yes | No | Per Final 1003 |
| 845445 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | SFR | Per Appraisal |
| 845451 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 845453 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 37.99 | 33.43 | Audit consistent with 1008, tape source unknown |
| 845453 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | per Final CD |
| 845465 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 763 | 756 | Per Credit Report |
| 845471 | xxxxxx | xxxxxx | Initial Originator Signature Date | complianceDetailPage | xxxxxx | xxxxxx | Per 1003 |
| 845471 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per 1003 |
| 845492 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 845525 | xxxxxx | xxxxxx | Initial Originator Signature Date | complianceDetailPage | xxxxxx | xxxxxx | Per 1003 |
| 845525 | xxxxxx | xxxxxx | Borrower 1 Years in Current Home | the1003Page | 0.17 | 2 | Per Final 1003 |
| 845525 | xxxxxx | xxxxxx | Borrower 1 Other Income | the1003Page | 0 | 45240.00 | Per Final 1003 |
| 845528 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 845760 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 845777 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 32.2 | 30.03 | Audit consistent with 1008, tape source unknown |
| 845777 | xxxxxx | xxxxxx | First Payment Date | notePage | xxxxxx | xxxxxx | Per Note |
| 845795 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 21.38 | 43.61 | Audit consistent with 1008, tape source unknown |
| 845795 | xxxxxx | xxxxxx | Loan Amount | notePage | xxxxxx | xxxxxx | Per Note |
| 845796 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 845797 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 845798 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 38.41 | 40.78 | Audit consistent with 1008, tape source unknown |
| 845798 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 845820 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Condominium High Rise | Condotel | Per Appraisal |
| 845839 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 845839 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 845839 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 845957 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 845994 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 33.93 | 29.59 | Audit consistent with 1008, tape source unknown |
| 846002 | xxxxxx | xxxxxx | Interest Rate | notePage | 6.875 | 7.1250 | Per Note |
| 846022 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 771 | 754 | Per Credit Report |
| 846022 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 27.71 | 7.80 | Audit consistent with 1008, tape source unknown |
| 846022 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per PCCD |
| 846023 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 846023 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 846024 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 846027 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 846027 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 846141 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per 1003 |
| 846141 | xxxxxx | xxxxxx | Initial Originator Signature Date | complianceDetailPage | xxxxxx | xxxxxx | Per 1003 |
| 846192 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 846193 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 846193 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 846194 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per PCCD |
| 846196 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 846201 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 846201 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 846242 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 16.45 | 8.37 | Audit consistent with 1008, tape source unknown |
| 846242 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 846245 | xxxxxx | xxxxxx | Borrower 1 First Name | notePage | xxxxxx | xxxxxx | Per Note |
| 846260 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 846261 | xxxxxx | xxxxxx | Borrower 1 Last Name | notePage | xxxxxx | xxxxxx | Per Note |
| 846273 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 846301 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 34.64 | 31.03 | Audit consistent with 1008, tape source unknown |
| 846301 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | Single Family Detached | Per Appraisal |
| 846397 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 47.36 | 41.90 | Audit consistent with 1008, tape source unknown |
| 846397 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Attached | Per Appraisal |
| 846450 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 846479 | xxxxxx | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 764 | 760 | Per Credit Report |
| 846479 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 42.76 | 38.96 | Audit consistent with 1008, tape source unknown |
| 846502 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Attached | Per Appraisal |
| 846563 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 846563 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 846565 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 846568 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 846571 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 846571 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 846573 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 846573 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 846633 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 846633 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 846637 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 846736 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 90 | 89.17 | Per Appraisal |
| 846736 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 90 | 89.17 | Per Appraisal |
| 846736 | xxxxxx | xxxxxx | Sales Price | propertyValuationPage | xxxxxx | xxxxxx | Per Appraisal |
| 846795 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 846899 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 846903 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per 1003 |
| 846903 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 846904 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per 1003 |
| 846904 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 43.3 | 35.92 | Variance due to audit calculating higher REO |
| 846904 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 846904 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per Appraisal |
| 846905 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 846905 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note |
| 846905 | xxxxxx | xxxxxx | Is the Condo Project warrantable | propertyValuationPage | Yes | No | Per Appraisal |
| 846905 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 16.03 | 16.02 | Per Appraisal |
| 846905 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Condominium High Rise | Condominium | Per Appraisal |
| 846906 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 46.75 | 48.86 | Audit calculated slightly higher income |
| 846906 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 846907 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 30.82 | 23.38 | Lower income used per Audit |
| 846907 | xxxxxx | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Per Note |
| 846914 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 48.33 | 44.16 | lender did not take into account Loan for the asset depletion |
| 846914 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 846970 | xxxxxx | xxxxxx | Property City | notePage | xxxxxx | xxxxxx | Per Note |
| 846989 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 23.12 | 31.10 | Audit consistent with 1008, tape source unknown |
| 846989 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 78.84 | 77.65 | Per Appraisal |
| 846989 | xxxxxx | xxxxxx | Qualifying LTV | propertyValuationPage | 76.49 | 77.65 | Per Appraisal |
| 847066 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 847071 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 44.13 | 48.87 | Lower consumer debt installments under 10 payments |
| 847145 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 847206 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 48.31 | 43.38 | Audit consistent with 1008, tape source unknown |
| 847298 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 48.85 | 45.47 | HOA dues on appraisal higher and audited income is lower |
| 847298 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 847332 | xxxxxx | xxxxxx | Qualifying CLTV | propertyValuationPage | 81.49 | 77.06 | Per Appraisal |
| 847373 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 22.86 | 37.64 | Audit did not include authorized user accounts. |
| 847461 | xxxxxx | xxxxxx | Number of Units | propertyValuationPage | 2 | 1 | Per Appraisal |
| 847461 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per Appraisal |
| 847472 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | Single Family Attached | Per Appraisal |
| 847487 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 847496 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 847549 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 41.38 | 13.74 | Audit consistent with 1008, tape source unknown |
| 847549 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note |
| 847575 | xxxxxx | xxxxxx | Initial Originator Signature Date | complianceDetailPage | xxxxxx | xxxxxx | Per 1003 |
| 847575 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per 1003 |
| 847597 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 847613 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 46.71 | 51.47 | Audit consistent with 1008, tape source unknown |
| 847613 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 847614 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 34.79 | 44.98 | Audit consistent with 1008, tape source unknown |
| 847614 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 847660 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note |
| 847693 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 7.19 | 10.00 | Audit consistent with 1008, tape source unknown |
| 847710 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 27.65 | 20.14 | Audit consistent with 1008, tape source unknown |
| 847727 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 38.1 | 33.26 | Audit consistent with 1008, tape source unknown |
| 847903 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 847903 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | Townhouse | PUD | Per Appraisal |
| 847907 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 847909 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 847909 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 847911 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 44.26 | 31.83 | Due to unsourced deposits removed from Audit income |
| 847911 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per PCCD |
| 847955 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 847981 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 848057 | xxxxxx | xxxxxx | Qualifying Total Reserves Number of Months | assetPage | 29.61 | -24.00 | Per Cashout for Reserves |
| 848126 | xxxxxx | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal |
| 848173 | xxxxxx | xxxxxx | Initial Originator Signature Date | complianceDetailPage | xxxxxx | xxxxxx | Per 1003 |
| 848173 | xxxxxx | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Per 1003 |
| 848207 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note |
| 848236 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note |
| 848265 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 848265 | xxxxxx | xxxxxx | Cash Disbursement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 848266 | xxxxxx | xxxxxx | Closing/Settlement Date | finalCdDetailPage | xxxxxx | xxxxxx | Per Final CD |
| 848610 | xxxxxx | xxxxxx | QM Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 42.52 | 40.219 | Audit calculated less income |
| 849312 | xxxxxx | xxxxxx | Closing/Settlement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Final CD |
| 849312 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Final CD |
| 849312 | xxxxxx | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 28.79 | 33.17 | Audit DTI variance due to initial rate vs qualifying rate |
| 849735 | xxxxxx | xxxxxx | Cash Disbursement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Final CD |
| 849735 | xxxxxx | xxxxxx | Closing/Settlement Date | closingDetailsNonCompliancePage | xxxxxx | xxxxxx | Per Final CD |
| 849735 | xxxxxx | xxxxxx | Property Address | notePage | xxxxxx | xxxxxx | Per Note |

---

## Exhibit 99.19

**EXHIBIT 99.19**

**Clarifii ATR QM Report**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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?** |
| 830235 | xxxxxx | xxxxxx | 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 |
| 830290 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 7495 | 9.562 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 17358.52 | Yes | Employed |  | No |  | No |  |
| 835724 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 0 | 7.255 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 27343.64 | N/A | Employed |  | No |  | No |  |
| 837436 | xxxxxx | xxxxxx | 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 |
| 837625 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2465 | 7.4 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 1308610 | Yes | Employed |  | No |  | No |  |
| 837813 | xxxxxx | xxxxxx | 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 | 28921 | 7.501 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6780.77 | N/A | Employed |  | No |  | No |  |
| 838649 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 839382 | xxxxxx | xxxxxx | 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 |
| 839503 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1640 | 8.42 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 260745.14 | Yes | Employed | Employed | No | No | No |  |
| 839513 | xxxxxx | xxxxxx | 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 |
| 839860 | xxxxxx | xxxxxx | 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 |
| 839893 | xxxxxx | xxxxxx | 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 |
| 839974 | xxxxxx | xxxxxx | 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 |  |  |  |  | Yes |  | Yes | Present |
| 840077 | xxxxxx | xxxxxx | 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 |
| 840150 | xxxxxx | xxxxxx | 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 |
| 840165 | xxxxxx | xxxxxx | 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 | N/A | N/A | N/A | 97676.65 | N/A | Employed | Not Employed | No | No | Yes | Present |
| 840178 | xxxxxx | xxxxxx | 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 |
| 840220 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1640 | 7.9 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 21117.37 | N/A | Employed |  | No |  | No |  |
| 840449 | xxxxxx | xxxxxx | 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 |
| 840703 | xxxxxx | xxxxxx | 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 |
| 840782 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | Yes | Yes | No | No | No | No | No | No | No | No | 15985 | 8.655 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 6560.24 | N/A | Employed |  | No |  | No |  |
| 840861 | xxxxxx | xxxxxx | 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 | Yes | N/A | N/A | N/A | N/A | 354110.67 | Yes | Employed |  | No |  | Yes | Present |
| 840903 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 840978 | xxxxxx | xxxxxx | 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 |
| 840993 | xxxxxx | xxxxxx | 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 | No | Yes | Present |
| 841068 | xxxxxx | xxxxxx | 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 |
| 841076 | xxxxxx | xxxxxx | 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 |
| 841106 | xxxxxx | xxxxxx | 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 |
| 841125 | xxxxxx | xxxxxx | 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 |
| 841165 | xxxxxx | xxxxxx | 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 |
| 841179 | xxxxxx | xxxxxx | 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 |  |  |  |  | Yes |  | Yes | Present |
| 841190 | xxxxxx | xxxxxx | 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 |
| 841193 | xxxxxx | xxxxxx | 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 |
| 841200 | xxxxxx | xxxxxx | 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 |
| 841252 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 841277 | xxxxxx | xxxxxx | 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 |
| 841282 | xxxxxx | xxxxxx | 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 |
| 841302 | xxxxxx | xxxxxx | 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 |
| 841308 | xxxxxx | xxxxxx | 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 |
| 841357 | xxxxxx | xxxxxx | 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 |
| 841378 | xxxxxx | xxxxxx | 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 |
| 841386 | xxxxxx | xxxxxx | 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 |
| 841388 | xxxxxx | xxxxxx | 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 |
| 841581 | xxxxxx | xxxxxx | 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 |
| 841612 | xxxxxx | xxxxxx | 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 |
| 841616 | xxxxxx | xxxxxx | 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 |
| 841623 | xxxxxx | xxxxxx | 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 |
| 841673 | xxxxxx | xxxxxx | 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 |
| 841736 | xxxxxx | xxxxxx | 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 | Yes | Present |
| 841753 | xxxxxx | xxxxxx | 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 |
| 841823 | xxxxxx | xxxxxx | 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 |
| 841826 | xxxxxx | xxxxxx | 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 |
| 841863 | xxxxxx | xxxxxx | 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 |
| 841874 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 6790 | 9.635 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 46053.65 | N/A | Employed |  | No |  | No |  |
| 841940 | xxxxxx | xxxxxx | 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 |
| 841981 | xxxxxx | xxxxxx | 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 |
| 841991 | xxxxxx | xxxxxx | 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 |
| 842022 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1745 | 7.164 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 11244.21 | Yes | Employed |  | No |  | No |  |
| 842078 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 5381.57 | 8.619 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11675.74 | N/A | Employed | Employed | No | No | No |  |
| 842124 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 842440 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 842441 | xxxxxx | xxxxxx | 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 |  |  |  |  | Yes |  | Yes | Present |
| 842443 | xxxxxx | xxxxxx | 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 |
| 842447 | xxxxxx | xxxxxx | 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 |  |  |  |  | Yes |  | Yes | Present |
| 842473 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 6095 | 8.797 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 90454.26 | N/A | Employed | Employed | No | No | No |  |
| 842481 | xxxxxx | xxxxxx | 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 |
| 842613 | xxxxxx | xxxxxx | 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 |
| 842637 | xxxxxx | xxxxxx | 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 |
| 842659 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 4040 | 8.629 | Yes | N/A | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | 3357.67 | Yes | Retired | Retired | No | No | No |  |
| 842681 | xxxxxx | xxxxxx | 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 | 26065.9 | 7.83 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9172.51 | Yes | Employed |  | No |  | No |  |
| 842724 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 842790 | xxxxxx | xxxxxx | 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 |
| 842819 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 7465 | 8.175 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 6760.6 | Yes | Employed |  | No |  | No |  |
| 842836 | xxxxxx | xxxxxx | 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 |
| 842844 | xxxxxx | xxxxxx | 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 |
| 842923 | xxxxxx | xxxxxx | 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 |
| 842976 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 29390 | 7.639 | Yes | Yes | N/A | Yes | N/A | Yes | N/A | Yes | N/A | N/A | 60715.3 | Yes | Employed |  | No |  | No |  |
| 843012 | xxxxxx | xxxxxx | 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 |
| 843040 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 3877 | 9.344 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8046.7 | Yes | Employed |  | No |  | No |  |
| 843048 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1745 | 7.774 | Yes | Yes | N/A | Yes | Yes | N/A | Yes | Yes | Yes | N/A | 10203.45 | Yes | Employed |  | No |  | No |  |
| 843118 | xxxxxx | xxxxxx | 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 |
| 843414 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | Yes | N/A | Yes | N/A | Yes | N/A | Yes | N/A | N/A | 16998.09 | Yes | Employed | Employed | No | No | Yes | Present |
| 843421 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2590 | 8.921 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 24286.82 | N/A | Employed |  | No |  | No |  |
| 843431 | xxxxxx | xxxxxx | 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 |
| 843474 | xxxxxx | xxxxxx | 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 |
| 843476 | xxxxxx | xxxxxx | 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 |
| 843478 | xxxxxx | xxxxxx | 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 | 15813.69 | Yes | Employed | Employed | No | No | Yes | Present |
| 843523 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 5490 | 8.917 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 40547.8 | N/A | Not Employed | Employed | No | No | No |  |
| 843575 | xxxxxx | xxxxxx | 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 | Yes | N/A | Yes | Yes | Yes | 12815.49 | N/A | Employed |  | No |  | Yes | Present |
| 843576 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| 843578 | xxxxxx | xxxxxx | 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 |
| 843584 | xxxxxx | xxxxxx | 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 |
| 843621 | xxxxxx | xxxxxx | 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 | 6239.44 | 10.176 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 8288.18 | Yes | Retired | Employed | No | No | No |  |
| 843626 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | Yes | No | No | No | Yes | No | No | No | No | No | 1640 | 7.186 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16159.09 | N/A | Not Employed | Not Employed | No | No | No |  |
| 843649 | xxxxxx | xxxxxx | 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 |
| 843660 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 5299 | 9.363 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 23493.26 | Yes | Employed | Not Employed | No | No | No |  |
| 843732 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Loan Term Exceeds 30 Years | No | No | No | No | No | No | No | No | No | No | No | 3180 | 7.478 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11554.78 | N/A | Employed |  | No |  | No |  |
| 843745 | xxxxxx | xxxxxx | 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 |
| 843764 | xxxxxx | xxxxxx | 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 | 6153.64 | N/A | Employed |  | No |  | Yes | Present |
| 843778 | xxxxxx | xxxxxx | 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 |
| 843786 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2290 | 8.888 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8551.43 | N/A | Employed | Employed | No | No | No |  |
| 843791 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2786.2 | 9.779 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4655.36 | Yes | Employed |  | No |  | No |  |
| 843793 | xxxxxx | xxxxxx | 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 |  |  |  |  | Yes |  | Yes | Present |
| 843834 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2465 | 7.577 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 8888.47 | N/A | Employed |  | No |  | No |  |
| 843866 | xxxxxx | xxxxxx | 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 |
| 843883 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1595 | 6.577 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 14126.23 | N/A | Employed |  | No |  | No |  |
| 843888 | xxxxxx | xxxxxx | 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 |
| 843933 | xxxxxx | xxxxxx | 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 |
| 843944 | xxxxxx | xxxxxx | 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 | 9485.5 | 8.529 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6254.79 | Yes | Employed | Employed | No | No | No |  |
| 843956 | xxxxxx | xxxxxx | 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 |
| 843970 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 20195 | 7.654 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 45090.28 | Yes | Employed |  | No |  | No |  |
| 843989 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 10444.72 | 7.308 | Yes | N/A | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | 5520.97 | Yes | Employed | Not Employed | No | No | No |  |
| 844007 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| 844024 | xxxxxx | xxxxxx | 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 |
| 844050 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 6345 | 8.807 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8353.34 | N/A | Retired |  | No |  | No |  |
| 844061 | xxxxxx | xxxxxx | 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 |
| 844065 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 7633.48 | 8.552 | Yes | Yes | N/A | Yes | No | Yes | N/A | Yes | Yes | Yes | 47846.62 | Yes | Employed |  | No |  | No |  |
| 844070 | xxxxxx | xxxxxx | 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 |
| 844071 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 595 | 8.709 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 3168.75 | Yes | Employed |  | No |  | No |  |
| 844074 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 6992.42 | 7.162 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 3728.54 | Yes | Employed |  | No |  | No |  |
| 844087 | xxxxxx | xxxxxx | 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 | 10264.91 | 10.196 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 27590.07 | N/A | Employed |  | No |  | No |  |
| 844118 | xxxxxx | xxxxxx | 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 | 8785 | 10.652 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 270602.84 | N/A | Employed |  | No |  | No |  |
| 844124 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 5583.98 | 7.195 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9459.92 | Yes | Employed | Not Employed | No | No | No |  |
| 844134 | xxxxxx | xxxxxx | 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 |
| 844171 | xxxxxx | xxxxxx | 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 |
| 844203 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 10178.4 | 7.59 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 6764.31 | N/A | Employed |  | No |  | No |  |
| 844204 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3930 | 7.059 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18243.19 | N/A | Employed | Not Employed | No | No | No |  |
| 844209 | xxxxxx | xxxxxx | 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 | 4395.09 | 7.759 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8351.26 | Yes | Employed |  | No |  | No |  |
| 844215 | xxxxxx | xxxxxx | 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 |
| 844220 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 7527.5 | 7.402 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9586.93 | Yes | Employed |  | No |  | No |  |
| 844289 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1640 | 7.597 | Yes | N/A | N/A | N/A | N/A | Yes | N/A | Yes | N/A | N/A | 16573.91 | Yes | Employed | Employed | No | No | No |  |
| 844339 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 8980 | 7.693 | Yes | N/A | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | 17794.99 | Yes | Employed |  | No |  | No |  |
| 844351 | xxxxxx | xxxxxx | 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 |
| 844362 | xxxxxx | xxxxxx | 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 |  |  |  |  | Yes |  | Yes | Present |
| 844395 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 10045 | 7.042 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9935.46 | Yes | Employed |  | No |  | No |  |
| 844406 | xxxxxx | xxxxxx | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1640 | 7.325 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 2590.66 | N/A | Employed |  | No |  | No |  |
| 844452 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 24925 | 7.422 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11208.33 | Yes | Employed |  | No |  | No |  |
| 844538 | xxxxxx | xxxxxx | 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 |
| 844542 | xxxxxx | xxxxxx | 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 |
| 844543 | xxxxxx | xxxxxx | 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 |
| 844556 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 8345 | 9.854 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 56780.3 | N/A | Employed |  | No |  | No |  |
| 844560 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 10243 | 8.46 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 41842.01 | N/A | Employed |  | No |  | No |  |
| 844563 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 8848 | 7.924 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 14708.72 | N/A | Employed | Employed | No | No | No |  |
| 844576 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 3133.41 | 7.819 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 3112.25 | N/A | Employed |  | No |  | No |  |
| 844581 | xxxxxx | xxxxxx | 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 | Yes | N/A | N/A | N/A | N/A | 6803.89 | N/A | Employed |  | No |  | Yes | Present |
| 844584 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Loan Term Exceeds 30 Years | No | Yes | No | No | No | No | No | No | No | No | No | 21385 | 8.406 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 10744.23 | N/A | Employed |  | No |  | No |  |
| 844602 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 4391.84 | 7.359 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 52169.38 | N/A | Employed |  | No |  | No |  |
| 844634 | xxxxxx | xxxxxx | 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 |
| 844635 | xxxxxx | xxxxxx | 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 | 50048.6 | 7.662 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 34095.62 | N/A | Employed |  | No |  | No |  |
| 844683 | xxxxxx | xxxxxx | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1640 | 7.552 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 32109.59 | N/A | Employed | Employed | No | No | No |  |
| 844690 | xxxxxx | xxxxxx | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3162.4 | 7.907 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 7893.03 | N/A | Employed |  | No |  | No |  |
| 844695 | xxxxxx | xxxxxx | 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 | Yes | N/A | N/A | N/A | N/A | 16325.67 | N/A | Employed |  | No |  | Yes | Present |
| 844696 | xxxxxx | xxxxxx | 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 | Yes | 227930.72 | Yes | Employed |  | No |  | Yes | Present |
| 844702 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 6089 | 7.348 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 10583.76 | Yes | Employed |  | No |  | No |  |
| 844807 | xxxxxx | xxxxxx | 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 |
| 844831 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2715 | 7.07 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 40261.66 | Yes | Employed |  | No |  | No |  |
| 844879 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 21895 | 7.348 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20193.68 | N/A | Employed |  | No |  | No |  |
| 844882 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2657.5 | 9.267 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 4250.72 | N/A | Retired |  | No |  | No |  |
| 844894 | xxxxxx | xxxxxx | 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 |
| 844936 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 8294 | 9.251 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 55593.91 | N/A | Employed |  | No |  | No |  |
| 844939 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2365 | 7.846 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3596.14 | N/A | Employed |  | No |  | No |  |
| 845003 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 5984.38 | 7.349 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7596.44 | Yes | Employed |  | No |  | No |  |
| 845161 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 6413.13 | 7.95 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4131.35 | N/A | Employed |  | No |  | No |  |
| 845169 | xxxxxx | xxxxxx | 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 |
| 845170 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2565 | 7.301 | Yes | N/A | N/A | N/A | N/A | Yes | N/A | Yes | N/A | N/A | 21750.94 | Yes | Employed | Not Employed | No | No | No |  |
| 845207 | xxxxxx | xxxxxx | 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 | 10858 | 7.666 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4842.74 | Yes | Employed | Employed | No | No | No |  |
| 845265 | xxxxxx | xxxxxx | 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 | 10996.99 | 8.822 | Yes | N/A | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | 13156.98 | Yes | Employed | Employed | No | No | No |  |
| 845266 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 5590 | 9.669 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 8978.73 | N/A | Employed |  | No |  | No |  |
| 845267 | xxxxxx | xxxxxx | 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 | 5763.75 | 9.412 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6304.83 | Yes | Employed |  | No |  | No |  |
| 845268 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 9295 | 8.148 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7832.55 | N/A | Employed | Employed | No | No | No |  |
| 845287 | xxxxxx | xxxxxx | 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 |
| 845379 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 16940 | 8.006 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 26619.13 | N/A | Employed |  | No |  | No |  |
| 845426 | xxxxxx | xxxxxx | 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 |
| 845436 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 10609 | 9.177 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11037.79 | N/A | Employed | Employed | No | No | No |  |
| 845445 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | No | No | No | No | Yes | No | No | No | No | No | 37293.2 | 7.45 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 52996.34 | N/A | Employed |  | No |  | No |  |
| 845451 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 19585 | 8.751 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16029.56 | N/A | Employed |  | No |  | No |  |
| 845453 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3682.92 | 8.206 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18645.54 | N/A | Employed |  | No |  | No |  |
| 845463 | xxxxxx | xxxxxx | 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 |
| 845465 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 13122.4 | 7.539 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7713.46 | Yes | Employed | Employed | No | No | No |  |
| 845471 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 11940 | 7.181 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6014.1 | N/A | Employed |  | No |  | No |  |
| 845473 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1640 | 6.891 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 29742.18 | N/A | Employed | Employed | No | No | No |  |
| 845492 | xxxxxx | xxxxxx | 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 | 21985 | 8.901 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17509.2 | Yes | Employed |  | No |  | No |  |
| 845509 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1895 | 7.172 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 80636.83 | Yes | Employed |  | No |  | No |  |
| 845525 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 18680 | 6.874 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 38523.83 | N/A | Employed |  | No |  | No |  |
| 845528 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | Yes | Yes | No | No | No | No | No | No | No | No | 2263.13 | 10.199 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2940.16 | N/A | Employed |  | No |  | No |  |
| 845538 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 5032.5 | 9.328 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 7632.92 | N/A | Employed | Employed | No | No | No |  |
| 845593 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2165 | 7.326 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 6348.95 | N/A | Employed |  | No |  | No |  |
| 845595 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 21465 | 7.541 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 18307.87 | N/A | Employed |  | No |  | No |  |
| 845760 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 6236.5 | 8.064 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 53017.87 | N/A | Employed |  | No |  | No |  |
| 845777 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 14177.5 | 7.941 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 41169.55 | Yes | Employed |  | No |  | No |  |
| 845795 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2365 | 7.31 | Yes | N/A | N/A | N/A | N/A | Yes | N/A | N/A | Yes | Yes | 19578.48 | Yes | Employed |  | No |  | No |  |
| 845796 | xxxxxx | xxxxxx | 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 | N/A | 227930.72 | Yes | Employed |  | No |  | Yes | Present |
| 845797 | xxxxxx | xxxxxx | 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 | Yes | 227930.72 | Yes | Employed |  | No |  | Yes | Present |
| 845798 | xxxxxx | xxxxxx | 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 | 9340 | 7.145 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4927.02 | N/A | Employed |  | No |  | No |  |
| 845812 | xxxxxx | xxxxxx | 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 | 12175 | 7.464 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4985.51 | Yes | Employed | Employed | No | No | No |  |
| 845820 | xxxxxx | xxxxxx | 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 | 13628.75 | 7.182 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 5056.05 | Yes | Employed |  | No |  | No |  |
| 845827 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2590 | 7.42 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10455.05 | N/A | Employed |  | No |  | No |  |
| 845833 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 5388 | 7.749 | Yes | N/A | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | 8773.35 | Yes | Employed |  | No |  | No |  |
| 845835 | xxxxxx | xxxxxx | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender 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 |
| 845839 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 2192.6 | 8.267 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13898.38 | N/A | Employed |  | No |  | No |  |
| 845841 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 3744.28 | 9.791 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7863.35 | Yes | Employed |  | No |  | No |  |
| 845856 | xxxxxx | xxxxxx | 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 | 5126.9 | 7.736 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2780.3 | Yes | Employed |  | No |  | No |  |
| 845864 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 11175 | 6.963 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 72444.13 | N/A | Employed |  | No |  | No |  |
| 845877 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 4176.25 | 7.01 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5216.3 | N/A | Employed |  | No |  | No |  |
| 845957 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 11499.75 | 8.211 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 57178.69 | N/A | Employed | Employed | No | No | No |  |
| 845985 | xxxxxx | xxxxxx | 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 |
| 845994 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 11715 | 7.555 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 13215.77 | N/A | Employed |  | No |  | No |  |
| 845999 | xxxxxx | xxxxxx | 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 | 5971 | 8.475 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 8507.39 | Yes | Retired | Retired | No | No | No |  |
| 846002 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 4010 | 7.068 | Yes | Yes | No | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9312.52 | Yes | Employed |  | No |  | No |  |
| 846022 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2390 | 7.289 | Yes | Yes | N/A | Yes | N/A | Yes | N/A | Yes | Yes | Yes | 24294.79 | N/A | Employed |  | No |  | No |  |
| 846023 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 11005 | 7.567 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13697.07 | N/A | Employed |  | No |  | No |  |
| 846024 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2815 | 7.774 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4238.52 | N/A | Employed |  | No |  | No |  |
| 846027 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 10835 | 7.453 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 33345.27 | N/A | Employed |  | No |  | No |  |
| 846141 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 13288 | 7.742 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9496.12 | N/A | Employed |  | No |  | No |  |
| 846174 | xxxxxx | xxxxxx | 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 | Yes | Present |
| 846191 | xxxxxx | xxxxxx | 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 |
| 846192 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 5847.5 | 7.963 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 133324 | N/A | Employed |  | No |  | No |  |
| 846193 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 10245 | 7.712 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11019.41 | N/A | Employed |  | No |  | No |  |
| 846194 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Interest Only | No | Yes | No | No | No | Yes | No | No | No | No | No | 23527.5 | 8.315 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17585.74 | Yes | Employed |  | No |  | No |  |
| 846195 | xxxxxx | xxxxxx | 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 | 4875 | 9.642 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5110.43 | N/A | Employed |  | No |  | No |  |
| 846196 | xxxxxx | xxxxxx | 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 | 43209.32 | Yes | Employed |  | No |  | Yes | Present |
| 846201 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 17582.5 | 8.183 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 298350.13 | N/A | Employed |  | No |  | No |  |
| 846236 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 5545 | 7.499 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 7365.39 | N/A | Employed |  | No |  | No |  |
| 846242 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 16250 | 7.74 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 39087.11 | N/A | Employed |  | No |  | No |  |
| 846243 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 8285 | 7.127 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 5770.41 | N/A | Employed |  | No |  | No |  |
| 846245 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 7905 | 7.572 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9764.1 | Yes | Employed |  | No |  | No |  |
| 846247 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1640 | 7.279 | Yes | N/A | N/A | N/A | N/A | Yes | N/A | N/A | Yes | Yes | 16948.07 | Yes | Employed | Employed | No | No | No |  |
| 846259 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2465 | 7.279 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 13922.43 | Yes | Employed |  | No |  | No |  |
| 846260 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 7890 | 7.028 | Yes | Yes | N/A | Yes | N/A | Yes | N/A | N/A | N/A | N/A | 9084.86 | Yes | Employed |  | No |  | No |  |
| 846261 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 5662.2 | 8.392 | Yes | Yes | N/A | Yes | N/A | Yes | N/A | N/A | Yes | Yes | 12588.97 | N/A | Employed |  | No |  | No |  |
| 846263 | xxxxxx | xxxxxx | 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 | 10814.15 | 9.192 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10510.66 | Yes | Employed |  | No |  | No |  |
| 846273 | xxxxxx | xxxxxx | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1590 | 7.649 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12470.98 | N/A | Employed | Employed | No | No | No |  |
| 846301 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 8695.04 | 7.84 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9278.01 | Yes | Not Employed |  | No |  | No |  |
| 846302 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 16622.93 | Yes | Employed |  | No |  | Yes | Present |
| 846385 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 6165 | 7.393 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12854.68 | N/A | Employed | Employed | No | No | No |  |
| 846397 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 9065 | 7.137 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6053.28 | N/A | Employed |  | No |  | No |  |
| 846400 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 17245 | 7.574 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8341.35 | N/A | Employed |  | No |  | No |  |
| 846419 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2890 | 7.524 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 34920.71 | Yes | Employed | Employed | No | No | No |  |
| 846427 | xxxxxx | xxxxxx | 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 |
| 846450 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 4599 | 7.367 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | N/A | Yes | N/A | 11043.94 | Yes | Employed | Employed | No | No | No |  |
| 846479 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1640 | 7.03 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 12259.76 | N/A | Employed | Employed | No | No | No |  |
| 846502 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 1640 | 8.572 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 7171.79 | Yes | Employed |  | No |  | No |  |
| 846560 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 17825 | 8.748 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 43535.56 | Yes | Employed |  | No |  | No |  |
| 846563 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 6790 | 6.97 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 47172.01 | Yes | Employed |  | No |  | No |  |
| 846565 | xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Loan Term Exceeds 30 Years | No | No | No | No | No | No | No | No | No | No | No | 4495 | 7.368 | Yes | Yes | N/A | Yes | N/A | Yes | N/A | Yes | Yes | Yes | 37645.64 | N/A | Employed |  | No |  | No |  |
| 846566 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 4482.5 | 7.378 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 4087.6 | Yes | Employed |  | No |  | No |  |
| 846568 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 6400 | 7.214 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8037.02 | N/A | Employed | Employed | No | No | No |  |
| 846571 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 9590 | 7.701 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12320.9 | N/A | Employed |  | No |  | No |  |
| 846573 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 8191.03 | 7.125 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | N/A | 4106.06 | N/A | Employed |  | No |  | No |  |
| 846633 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 12064 | 7.996 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 36134.01 | N/A | Employed |  | No |  | No |  |
| 846635 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | Yes | Yes | No | No | No | No | No | No | No | No | 6712.95 | 8.614 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3409.67 | N/A | Employed |  | No |  | No |  |
| 846637 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 9995 | 7.206 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14422.19 | N/A | Employed |  | No |  | No |  |
| 846642 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | 20496.27 | Yes | Employed |  | No |  | Yes | Present |
| 846656 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | Yes | Yes | No | No | No | No | No | No | No | No | 6343.18 | 8.213 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4083.35 | N/A | Employed |  | No |  | No |  |
| 846736 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 8492.6 | 8.592 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14988.13 | Yes | Employed |  | No |  | No |  |
| 846750 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 3580 | 9.639 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5305.19 | Yes | Employed |  | No |  | No |  |
| 846755 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 8640 | 7.338 | Yes | N/A | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | 28903.26 | Yes | Employed |  | No |  | No |  |
| 846758 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 22996.25 | 7.86 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 44424.13 | Yes | Employed |  | No |  | No |  |
| 846795 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2265 | 7.189 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5619.11 | N/A | Employed |  | No |  | No |  |
| 846804 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 7760 | 7.746 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10052.17 | N/A | Employed |  | No |  | No |  |
| 846822 | xxxxxx | xxxxxx | 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 | 10635 | 8.101 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13132.28 | Yes | Employed |  | No |  | No |  |
| 846899 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 10475 | 7.575 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7396.21 | Yes | Employed |  | No |  | No |  |
| 846903 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 5601.25 | 10.123 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 57193.84 | Yes | Employed |  | No |  | No |  |
| 846904 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | Yes | N/A | Yes | Yes | N/A | N/A | Yes | N/A | N/A | 10180.08 | N/A | Employed |  | No |  | Yes | Present |
| 846905 | xxxxxx | xxxxxx | 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 | 47994.98 | Yes | Employed |  | No |  | Yes | Present |
| 846906 | xxxxxx | xxxxxx | 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 | 11915 | 11.371 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13103.24 | Yes | Employed |  | No |  | No |  |
| 846907 | xxxxxx | xxxxxx | 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 | 6495 | 10.309 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 12944.96 | Yes | Employed |  | No |  | No |  |
| 846914 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 5212.5 | 7.435 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3655.79 | Yes | Not Employed |  | No |  | No |  |
| 846968 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2715 | 7.365 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13084.62 | Yes | Employed |  | No |  | No |  |
| 846970 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 10988 | 7.305 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11223.27 | N/A | Employed |  | No |  | No |  |
| 846989 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1795 | 7.78 | Yes | Yes | N/A | N/A | Yes | Yes | N/A | Yes | Yes | Yes | 76883.35 | Yes | Employed |  | No |  | No |  |
| 847028 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 2597.56 | 8.696 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 51259.64 | N/A | Employed |  | No |  | No |  |
| 847059 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 3140.8 | 7.007 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5446.59 | Yes | Not Employed | Employed | No | No | No |  |
| 847066 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1640 | 7.406 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | N/A | N/A | 38591.1 | N/A | Employed | Employed | No | No | No |  |
| 847071 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 6690 | 8.941 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20605.49 | N/A | Employed | Not Employed | No | No | No |  |
| 847145 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 7340 | 7.426 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5764.67 | N/A | Employed |  | No |  | No |  |
| 847206 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 5665 | 6.988 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 2584.59 | N/A | Employed |  | No |  | No |  |
| 847298 | xxxxxx | xxxxxx | 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 | 5745 | 7.499 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2339.85 | Yes | Employed |  | No |  | No |  |
| 847312 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 21155 | 7.183 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | Yes | 24402.5 | Yes | Employed |  | No |  | No |  |
| 847320 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 9815 | 8.118 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6793.07 | N/A | Employed |  | No |  | No |  |
| 847330 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 9667.8 | 7.167 | Yes | Yes | N/A | No | Yes | Yes | Yes | Yes | Yes | N/A | 28983.44 | N/A | Employed |  | No |  | No |  |
| 847332 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 3229.69 | 10.086 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 2560.02 | Yes | Employed |  | No |  | No |  |
| 847373 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1570 | 8.005 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 8684.94 | N/A | Employed |  | No |  | No |  |
| 847405 | xxxxxx | xxxxxx | 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 | 24845.5 | 7.072 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4891.32 | Yes | Retired | Employed | No | No | No |  |
| 847461 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 5480.5 | 7.848 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 43222.55 | Yes | Employed |  | No |  | No |  |
| 847472 | xxxxxx | xxxxxx | 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 | 18886.66 | Yes | Employed |  | No |  | Yes | Present |
| 847487 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1645 | 7.024 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 35915.14 | Yes | Not Employed |  | No |  | No |  |
| 847496 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 13390 | 8.196 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6751.51 | N/A | Employed |  | No |  | No |  |
| 847507 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 12061.47 | N/A | Employed |  | No |  | Yes | Present |
| 847522 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 45675 | 7.406 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 30025.8 | N/A | Employed |  | No |  | No |  |
| 847549 | xxxxxx | xxxxxx | 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 | 17372.27 | Yes | Employed |  | No |  | Yes | Present |
| 847560 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 6402.5 | 7.599 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10484.93 | Yes | Employed |  | No |  | No |  |
| 847573 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 20368.8 | Yes | Not Employed | Employed | No | No | Yes | Present |
| 847575 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 12980 | 7.617 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9200.07 | N/A | Employed |  | No |  | No |  |
| 847576 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3185 | 8.312 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8996.56 | Yes | Employed |  | No |  | No |  |
| 847580 | xxxxxx | xxxxxx | 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 | 20055 | 8.498 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 33927.04 | Yes | Employed |  | No |  | No |  |
| 847597 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1640 | 6.816 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11610.72 | Yes | Retired | Retired | No | No | No |  |
| 847613 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 13755 | 6.996 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9880.62 | Yes | Employed |  | No |  | No |  |
| 847614 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1700 | 7.322 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12417.99 | Yes | Employed | Employed | No | No | No |  |
| 847636 | xxxxxx | xxxxxx | 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 | 11871.49 | N/A | Employed |  | No |  | Yes | Present |
| 847659 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 20680 | 6.942 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19844.09 | N/A | Employed |  | No |  | No |  |
| 847660 | xxxxxx | xxxxxx | 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 | 4887.5 | 7.54 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7024.95 | Yes | Employed |  | No |  | No |  |
| 847672 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 23132 | 7.569 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19028.59 | N/A | Employed |  | No |  | No |  |
| 847693 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 6720 | 7.825 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | N/A | N/A | 87335.82 | N/A | Employed |  | No |  | No |  |
| 847695 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 5745 | 8.308 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22531.1 | Yes | Employed |  | No |  | No |  |
| 847710 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 17395 | 8.669 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 41145.72 | N/A | Employed |  | No |  | No |  |
| 847724 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1715.95 | 7.212 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 7249.14 | N/A | Employed | Employed | No | No | No |  |
| 847727 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 1745 | 8.332 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11281.46 | Yes | Employed | Not Employed | No | No | No |  |
| 847734 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | Yes | N/A | Yes | N/A | Yes | N/A | Yes | Yes | Yes | 10022.36 | N/A | Employed |  | No |  | Yes | Present |
| 847853 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 10548 | 7.627 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 28166.93 | N/A | Employed |  | No |  | No |  |
| 847885 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 27550 | 7.195 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15200.68 | N/A | Employed |  | No |  | No |  |
| 847903 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2515 | 7.208 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | N/A | 20141.55 | N/A | Employed |  | No |  | No |  |
| 847907 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2490 | 7.021 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 82959.24 | N/A | Employed |  | No |  | No |  |
| 847909 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3690 | 7.578 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | N/A | 22511.73 | N/A | Employed |  | No |  | No |  |
| 847911 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 17770 | 8.102 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19962.95 | N/A | Employed |  | No |  | No |  |
| 847921 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 21365 | 7.146 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19984.34 | Yes | Employed |  | No |  | No |  |
| 847955 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 9865 | 7.1 | Yes | N/A | N/A | Yes | Yes | N/A | N/A | N/A | N/A | N/A | 7486.56 | N/A | Employed |  | No |  | No |  |
| 847981 | xxxxxx | xxxxxx | 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 | 17388.05 | 7.188 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 71603.49 | Yes | Employed |  | No |  | No |  |
| 848037 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 9245.66 | 7.823 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19338.34 | Yes | Employed |  | No |  | No |  |
| 848057 | xxxxxx | xxxxxx | 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 | 25995 | 7.099 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13101.39 | Yes | Employed |  | No |  | No |  |
| 848066 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 11915 | 7.419 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16303.89 | N/A | Employed |  | No |  | No |  |
| 848126 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 12050 | 6.721 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 86568.91 | N/A | Employed |  | No |  | No |  |
| 848172 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 13221.25 | 6.967 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 10449.87 | N/A | Employed |  | No |  | No |  |
| 848173 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 13880 | 7.216 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 12348.95 | Yes | Employed |  | No |  | No |  |
| 848207 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 10910 | 7.058 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 9054.82 | Yes | Employed |  | No |  | No |  |
| 848210 | xxxxxx | xxxxxx | 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 | 38961 | 8.521 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12675.68 | Yes | Employed |  | No |  | No |  |
| 848235 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1895 | 6.817 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19079.31 | Yes | Employed |  | No |  | No |  |
| 848236 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 10415 | 7.842 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6556.35 | Yes | Employed | Employed | No | No | No |  |
| 848250 | xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 3521 | 8.67 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | N/A | N/A | 4322.79 | N/A | Employed |  | No |  | No |  |
| 848265 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 25963.75 | 7.969 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 17808.82 | N/A | Employed |  | No |  | No |  |
| 848266 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 12376.55 | 7.288 | Yes | Yes | N/A | Yes | N/A | Yes | N/A | Yes | Yes | Yes | 8956.45 | N/A | Employed |  | No |  | No |  |
| 848279 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 11835 | 7.151 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8694.52 | N/A | Employed |  | No |  | No |  |
| 848280 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 6060 | 7.527 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 6676.07 | N/A | Employed |  | No |  | No |  |
| 848281 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2720 | 7.042 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 14997.71 | N/A | Employed |  | No |  | No |  |
| 848282 | xxxxxx | xxxxxx | 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 | Yes | N/A | Yes | N/A | N/A | 119727.9 | Yes | Employed |  | No |  | Yes | Present |
| 848283 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2720 | 6.976 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 6531.85 | N/A | Employed |  | No |  | No |  |
| 848286 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 7720 | 7.219 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 5610.19 | N/A | Employed |  | No |  | No |  |
| 848287 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 11120 | 7.027 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10624.97 | Yes | Employed |  | No |  | No |  |
| 848610 | xxxxxx | xxxxxx | 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 | 5840 | 12.385 | Yes | Yes | N/A | Yes | N/A | Yes | N/A | Yes | Yes | Yes | 7136.17 | Yes | Employed | Employed | No | No | No |  |
| 848666 | xxxxxx | xxxxxx | 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 | 6519.96 | Yes | Employed |  | No |  | Yes | Present |
| 848691 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 10070 | 6.893 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13737.75 | Yes | Employed |  | No |  | No |  |
| 849184 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 13332.5 | 7.574 | Yes | No | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 9569.04 | N/A | Employed |  | No |  | No |  |
| 849188 | xxxxxx | xxxxxx | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 34200 | 7.289 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 26320.56 | Yes | Employed |  | No |  | No |  |
| 849312 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | Yes | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | Yes | 40039.48 | N/A | Employed |  | No |  | Yes | Present |
| 849731 | xxxxxx | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | Yes | N/A | Yes | N/A | Yes | N/A | Yes | Yes | Yes | 25011.3 | N/A | Employed | Employed | No | No | Yes | Present |
| 849735 | xxxxxx | xxxxxx | 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 | Yes | N/A | Yes | Yes | N/A | 61556.35 | N/A | Employed | Not Employed | No | No | Yes | Present |

---

## Exhibit 99.20

**EXHIBIT 99.20**

**Clarifii Valuation Report**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 830235 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 10-26-2024 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 28.57 | 28.57 | xxxxxx | xxxxxx | .3714 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | .3714 | 05-07-2025 | 1004 URAR |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .2857 | xxxxxx | Moderate | 05-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 05-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 830290 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 02-20-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 15.69 | 50.71 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 02-25-2025 |
| 835724 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | xxxxxx | .0152 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0152 | xxxxxx | Moderate | 08-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 837436 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-21-2025 | Other |  |  | xxxxxx | 52.27 | 52.27 | xxxxxx | 0 | .0000 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | 04-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 837625 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-05-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | moderate | 05-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 837813 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 39.32 | 39.32 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 06-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 838649 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 05-01-2025 |
| 839382 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 06-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 06-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 839503 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 09-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 839513 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 05-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 839860 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 06-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 06-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 | 06-25-2025 |
| 839893 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-14-2025 | Eligible |  |  |
| 839974 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 06-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-05-2025 |
| 840077 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 06-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 06-25-2025 | Not Eligible | 2.4 | 06-25-2025 |
| 840150 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 63.53 | 63.53 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 07-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-02-2025 |
| 840165 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 30.12 | 64.58 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 08-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 08-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 840178 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 06-16-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 61.27 | 61.27 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 06-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 840220 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90 | 90 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-30-2025 | Eligible | 1.1 | 06-30-2025 |
| 840449 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 07-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 840703 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 06-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 49.4 | 49.4 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-27-2025 |
| 840782 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 1/16/2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90 | 90 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 04-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6/13/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 04-22-2025 |
| 840861 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-27-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 07-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 840903 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 06-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 51.24 | 51.24 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-02-2025 | Eligible | 1 | 07-14-2025 |
| 840978 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-02-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 06-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 840993 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 06-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 56.38 | 56.38 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 06-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 06-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841068 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 06-02-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 60 | 60 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-26-2025 |
| 841076 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 05-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 60 | 60 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 06-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 06-02-2025 |
| 841106 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 74.42 | 74.42 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 06-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 06-13-2025 |
| 841125 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | 07-03-2025 | Not Eligible | 1 | 07-03-2025 |
| 841165 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 06-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 64.62 | 64.62 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 06-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-13-2025 |
| 841179 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-24-2025 |
| 841190 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-23-2025 |
| 841193 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 06-28-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 07-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841200 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-28-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 07-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841252 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 07-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841277 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 51.83 | 51.83 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-15-2025 |
| 841282 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-16-2025 |
| 841302 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-01-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | xxxxxx | -.0200 | 1073 Individual Condo Report |  |  |  |  | xxxxxx | xxxxxx | -.0200 | 05-22-2025 | 1073 Individual Condo Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841308 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 60 | 60 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-16-2025 |
| 841357 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 06-30-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 07-03-2025 |
| 841378 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 06-23-2025 | Eligible | 1 | 06-23-2025 |
| 841386 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 69.78 | 69.78 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 08-12-2025 |
| 841388 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-20-2025 |
| 841581 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 06-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 73.53 | 73.53 | xxxxxx | xxxxxx | -.0980 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0980 | xxxxxx | Moderate | 06-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 07-11-2025 |
| 841612 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 55 | 55 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-30-2025 |
| 841616 | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | 07-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-03-2025 |
| 841623 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 06-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 59.85 | 59.85 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 07-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 06-25-2025 |
| 841673 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 06-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 45.2 | 45.2 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-30-2025 |
| 841736 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 06-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 07-02-2025 |
| 841753 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-01-2025 | Other |  |  | xxxxxx | 70 | 70 | xxxxxx | xxxxxx | .0353 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0353 | xxxxxx | 07-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841823 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-14-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 06-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841826 | xxxxxx | xxxxxx | xxxxxx | 0 |  | xxxxxx | MP | MP | MP | xxxxxx | xxxxxx | 57.07 | 57.07 | xxxxxx | 0 | .0000 | MP |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841863 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-23-2025 | 2090 Individual Coop Report | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 07-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841874 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 06-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 25.17 | 69.64 | xxxxxx | xxxxxx | .0412 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0412 | xxxxxx | Moderate | 06-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 06-25-2025 |
| 841940 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 07-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 67.55 | 67.55 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 07-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 07-18-2025 |
| 841981 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 06-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 29.86 | 29.86 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 07-02-2025 |
| 841991 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 60 | 60 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 07-21-2025 | Eligible | 1 | 07-21-2025 |
| 842022 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-22-2025 | Eligible | 1.4 | 08-22-2025 |
| 842078 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-23-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 85 | 85 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 07-31-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 842124 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 60 | 60 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 06-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 842440 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 56.51 | 56.51 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 07-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-03-2025 | Eligible |  |  |
| 842441 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 07-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 842443 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 07-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 73.69 | 73.69 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 07-14-2025 | Eligible | 1.6 | 07-14-2025 |
| 842447 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 07-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-03-2025 |
| 842473 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 06-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 26.32 | 55.28 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 07-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-06-2025 |
| 842481 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 06-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-27-2025 |
| 842613 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 06-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 68.46 | 68.46 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 06-18-2025 |
| 842637 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 05-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 63.93 | 63.93 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 05-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 07-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 842659 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 11.43 | 50 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 07-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | 07-24-2025 |
| 842681 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 04-08-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 06-18-2025 |
| 842724 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 07-11-2025 | Eligible |  |  |
| 842790 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 06-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 49.81 | 49.81 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 07-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 842819 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 06-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 51.38 | 51.38 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 09-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 842836 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 06-26-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 07-08-2025 |
| 842844 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-02-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 07-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 08-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 842923 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-17-2025 |
| 842976 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 08-08-2025 |  |  |  |  |  |  |  |  |  |  | 1.5 | 08-01-2025 | Eligible | 1.8 | 08-01-2025 |
| 843012 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 06-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 63.16 | 63.16 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 07-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 07-03-2025 |
| 843040 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-20-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 11.76 | 79.87 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 07-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | 07-20-2025 |
| 843048 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 85 | 85 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 07-17-2025 | Eligible | 2.5 | 07-17-2025 |
| 843118 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-07-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 25.42 | 25.42 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 06-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 05-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 843414 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-27-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 63.29 | 63.29 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 07-31-2025 |
| 843421 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-19-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 33.64 | 74.95 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 09-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 843431 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-22-2025 |
| 843474 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 07-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 07-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 07-18-2025 |  |  |  |
| 843476 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 06-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 07-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 843478 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-28-2025 |
| 843523 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 21.4 | 78.6 | xxxxxx | xxxxxx | -.0400 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0400 | 95 | 0.05 | xxxxxx | xxxxxx | 08-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-06-2025 |
| 843575 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 08-01-2025 | Eligible |  |  |
| 843576 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 06-24-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | xxxxxx | .0047 | 1073 Individual Condo Report |  |  |  |  | xxxxxx | xxxxxx | .0047 | 07-13-2025 | 1073 Individual Condo Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 843578 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-24-2025 |
| 843584 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 60 | 60 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 04-16-2025 | Eligible | 1.5 | 04-17-2025 |
| 843621 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 26 | 79.21 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-27-2025 |
| 843626 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | xxxxxx | .0316 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-08-2025 | Eligible | 1 | 08-08-2025 |
| 843649 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 07-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 07-17-2025 |
| 843660 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-12-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 26.67 | 77.14 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 07-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 843732 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-26-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | xxxxxx | -.0092 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0092 | 96 | 0.04 | xxxxxx | xxxxxx | 08-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-31-2025 |
| 843745 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 07-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-17-2025 |
| 843764 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | xxxxxx | .0063 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | .0063 | 08-01-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 843778 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-11-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 63.28 | 63.28 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 07-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 843786 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 18.06 | 63.1 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 07-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-21-2025 |
| 843791 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 12 | 79.1 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-29-2025 |
| 843793 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 07-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 843834 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 85 | 85 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-31-2025 |
| 843866 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 06-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 06-26-2025 | Eligible | 1 | 06-26-2025 |
| 843883 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 07-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 07-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-03-2025 |
| 843888 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 07-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 04-30-2025 |
| 843933 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 69.54 | 69.54 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 07-31-2025 | Eligible |  |  |
| 843944 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-27-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 85 | 85 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-01-2025 | Eligible | 1 | 06-01-2025 |
| 843956 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-11-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 07-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 843970 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 08-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 843989 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 43.84 | 43.84 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 07-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 07-25-2025 |
| 844007 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 33.64 | 33.64 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 07-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 844024 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 55.15 | 55.15 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 07-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 844050 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 25 | 56.7 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 08-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-03-2025 |
| 844061 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 06-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 844065 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 06-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 60 | 60 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-16-2025 |
| 844070 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 07-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 844071 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 32.96 | 73.56 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 08-11-2025 | Eligible | 1 | 08-11-2025 |
| 844074 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 63.33 | 63.33 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-13-2025 | Eligible | 1 | 08-13-2025 |
| 844087 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 23.57 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 08-21-2025 |  |  |  |  |  |  |  |  |  |  | 2 | 09-18-2025 | Eligible | 1 | 09-18-2025 |
| 844118 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-24-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 12.5 | 79.79 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 08-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 07-28-2025 |
| 844124 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 08-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 08-27-2025 |  |  |  |  |  |  |  |  |  |  | 1 | 07-28-2025 | Eligible |  |  |
| 844134 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 60 | 60 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 07-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 844171 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-18-2025 |
| 844203 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | xxxxxx | .0029 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0029 | 97 | 0.03 | xxxxxx | xxxxxx | 08-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 08-04-2025 |
| 844204 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-31-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | xxxxxx | -.0213 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0213 | 94 | 0.06 | xxxxxx | xxxxxx | 08-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 08-04-2025 |
| 844209 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-05-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 08-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 844215 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 60 | 60 | xxxxxx | xxxxxx | .0039 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | .0039 | 07-12-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 844220 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-03-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 08-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 844289 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-01-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 08-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 08-05-2025 | Not Eligible |  |  |
| 844339 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 77.09 | 77.09 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 08-22-2025 |
| 844351 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-03-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 50 | 50 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 07-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 844362 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 54.17 | 54.17 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 08-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 844395 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-04-2025 |
| 844406 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-13-2025 | Eligible | 1 | 08-13-2025 |
| 844452 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-14-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 76 | 76 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 09-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 07-31-2025 |
| 844538 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 59.91 | 59.91 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 08-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 844542 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-24-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 60 | 60 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 08-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 844543 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 08-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 844556 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-31-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 21.48 | 79.63 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 08-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-07-2025 |
| 844560 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 22.35 | 48.25 | xxxxxx | xxxxxx | .0188 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0188 | 91 | 0.09 | xxxxxx | xxxxxx | 08-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-12-2025 |
| 844563 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 08-13-2025 |
| 844576 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-06-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 09-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 844581 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 08-11-2025 | Eligible | 2.5 | 08-11-2025 |
| 844584 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90 | 90 | xxxxxx | xxxxxx | -.0090 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0090 | xxxxxx | Low | 07-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 07-16-2025 |  |  |  |  |  |  |  |  |  |  | 1 | 07-14-2025 | Eligible |  |  |
| 844602 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 08-19-2025 | Eligible | 1.6 | 08-19-2025 |
| 844634 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 54.55 | 54.55 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 08-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 844635 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 08-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 09-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 08-22-2025 |
| 844683 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 08-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.6 | 08-18-2025 |
| 844690 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 08-26-2025 |
| 844695 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 08-02-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 57.69 | 57.69 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 08-22-2025 | Eligible | 1.3 | 08-22-2025 |
| 844696 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 08-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 844702 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-20-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 08-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 07-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 844807 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 08-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 08-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 844831 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-06-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-07-2025 | Eligible |  |  |
| 844879 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 07-31-2025 | Not Eligible | 1.2 | 07-31-2025 |
| 844882 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 10.71 | 41.88 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-04-2025 |
| 844894 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-19-2025 |
| 844936 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 14.29 | 74.75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 07-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | 07-24-2025 |
| 844939 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 69.44 | 69.44 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-08-2025 |
| 845003 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-19-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 07-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 07-31-2025 | Eligible |  |  |
| 845161 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 58 | 58 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 08-12-2025 |
| 845169 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 08-04-2025 |
| 845170 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 08-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 08-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845207 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 74.79 | 74.79 | xxxxxx | xxxxxx | .0137 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0137 | xxxxxx | Moderate | 08-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-19-2025 | Eligible |  |  |
| 845265 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-28-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 85 | 85 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-19-2025 | Eligible | 1.4 | 08-19-2025 |
| 845266 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 21.89 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 07-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845267 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 21.59 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 08-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 07-27-2025 |
| 845268 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 08-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 9.76 | 15.35 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 08-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 08-20-2025 |
| 845287 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 08-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845379 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | xxxxxx | -.0732 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0732 | xxxxxx | Moderate | 08-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 08-08-2025 |
| 845426 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 49.3 | 49.3 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 08-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845436 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 45.63 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 08-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845445 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 08-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845451 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 07-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-21-2025 |
| 845453 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-17-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90 | 90 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 07-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 07-22-2025 |
| 845463 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-05-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 08-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 08-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845465 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 62.01 | 62.01 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 08-19-2025 |
| 845471 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 08-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | xxxxxx | .0261 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0261 | 98 | 0.02 | xxxxxx | xxxxxx | 08-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-20-2025 |
| 845473 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 08-18-2025 | Not Eligible | 1 | 08-18-2025 |
| 845492 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-11-2025 | Eligible | 1.8 | 08-11-2025 |
| 845509 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 08-11-2025 | Eligible | 1 | 08-11-2025 |
| 845525 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 69.98 | 69.98 | xxxxxx | xxxxxx | .0672 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0672 | 93 | 0.07 | xxxxxx | xxxxxx | 08-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-15-2025 |
| 845528 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 14.47 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-04-2025 |
| 845538 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 29.61 | 78.32 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 08-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-18-2025 |
| 845593 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-11-2025 |
| 845595 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-14-2025 |
| 845760 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 07-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 07-28-2025 |
| 845777 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 08-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845795 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 08-21-2025 |
| 845796 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 08-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845797 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 08-22-2025 | Eligible |  |  |
| 845798 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 78.98 | 78.98 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 08-28-2025 |
| 845812 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-23-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 41.28 | 41.28 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-25-2025 |
| 845820 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-26-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 37.5 | 37.5 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 09-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 09-03-2025 | Eligible |  |  |
| 845827 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 68.97 | 68.97 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 08-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-04-2025 |
| 845833 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-11-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-12-2025 |
| 845835 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 07-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-31-2025 |
| 845839 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 07-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 07-22-2025 |
| 845841 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 22.9 | 79.99 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-01-2025 |
| 845856 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-07-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 72.6 | 72.6 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 08-13-2025 |  |  |  |  |  |  |  |  |  |  | 1 | 08-08-2025 | Eligible | 1 | 08-08-2025 |
| 845864 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-19-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 08-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845877 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 08-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 60.16 | 60.16 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-22-2025 | Eligible |  |  |
| 845957 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 85 | 85 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 09-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845985 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 04-24-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 69.78 | 69.78 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 06-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845994 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 08-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 08-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845999 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 25 | 57.76 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 09-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 09-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 846002 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-23-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 42.86 | 42.86 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-31-2025 |
| 846022 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 06-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 74.07 | 74.07 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 07-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 846023 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-21-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 07-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-22-2025 |
| 846024 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 43.18 | 43.18 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 07-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | 07-13-2025 |
| 846027 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 07-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 08-04-2025 |
| 846141 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | xxxxxx | -.0708 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0708 | 95 | 0.05 | xxxxxx | xxxxxx | 08-26-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 08-22-2025 |
| 846174 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-07-2025 |
| 846191 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 08-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 846192 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 85 | 85 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 07-31-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 08-02-2025 |  |  |  |  |  |  |  |  |  |  | 1 | 07-31-2025 | Eligible |  |  |
| 846193 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-21-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 07-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-22-2025 |
| 846194 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 85 | 85 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 07-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-28-2025 |
| 846195 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-25-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 85 | 85 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 06-30-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-26-2025 |
| 846196 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-24-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-22-2025 | Eligible | 1 | 08-22-2025 |
| 846201 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90 | 90 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 07-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 07-10-2025 |
| 846236 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-20-2025 |
| 846242 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 85 | 85 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 09-05-2025 | Eligible | 1 | 09-05-2025 |
| 846243 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-13-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 69.82 | 69.82 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-18-2025 |
| 846245 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-31-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-04-2025 |
| 846247 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90 | 90 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 08-21-2025 | Not Eligible | 1.4 | 08-21-2025 |
| 846259 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 74.84 | 74.84 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-05-2025 | Eligible |  |  |
| 846260 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-06-2025 | Eligible |  |  |
| 846261 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 85 | 85 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 08-04-2025 | Not Eligible | 1.9 | 08-04-2025 |
| 846263 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90 | 90 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 08-24-2025 | Not Eligible | 1 | 08-24-2025 |
| 846273 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 84.99 | 84.99 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 08-26-2025 |
| 846301 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 09-12-2025 | Eligible | 1 | 09-12-2025 |
| 846302 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 08-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-18-2025 |
| 846385 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 08-19-2025 | Eligible |  |  |
| 846397 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 08-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-15-2025 | Eligible |  |  |
| 846400 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 08-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 846419 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90 | 90 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 08-24-2025 | Eligible | 1 | 08-24-2025 |
| 846427 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 08-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 846450 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-18-2025 | Eligible | 1 | 08-18-2025 |
| 846479 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-21-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 85 | 85 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | 08-21-2025 | Not Eligible | 1 | 08-21-2025 |
| 846502 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 08-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90 | 90 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 08-25-2025 | Eligible | 1 | 08-25-2025 |
| 846560 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90 | 90 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 07-31-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 07-30-2025 | Eligible |  |  |
| 846563 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 08-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 74.78 | 74.78 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 08-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-01-2025 |
| 846565 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 64.11 | 64.11 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 08-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-23-2025 |
| 846566 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-07-2025 |
| 846568 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 07-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 07-21-2025 |
| 846571 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 79.61 | 79.61 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 08-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 07-31-2025 |
| 846573 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-31-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 58.16 | 58.16 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 08-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-03-2025 |
| 846633 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90 | 90 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 08-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-10-2025 |
| 846635 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 08-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-08-2025 |
| 846637 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-07-2025 | 1025 Small Residential Income Report |  |  | xxxxxx | 38.1 | 38.1 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 |  |  | 08-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 846642 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 09-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 63.11 | 63.11 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 10-02-2025 | Eligible | 2 | 10-02-2025 |
| 846656 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-21-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 85 | 85 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-02-2025 |
| 846736 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90 | 90 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-18-2025 |
| 846750 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 25.27 | 74.82 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 08-25-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-22-2025 | Eligible |  |  |
| 846755 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-29-2025 |
| 846758 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-25-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 74.27 | 74.27 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 08-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 09-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 846795 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 08-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 68.83 | 68.83 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-27-2025 |
| 846804 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90 | 90 | xxxxxx | xxxxxx | -.0366 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0366 | xxxxxx | Moderate | 09-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 | 09-08-2025 |
| 846822 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 07-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 08-25-2025 |
| 846899 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-07-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-11-2025 |
| 846903 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 03-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 19.36 | 46.85 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 06-02-2025 |
| 846904 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-13-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 26.79 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 07-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 846905 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 06-06-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 8.51 | 16.03 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 06-06-2025 |
| 846906 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 05-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 20.59 | 62.84 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 05-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | 06-07-2025 |
| 846907 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 06-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 25.81 | 73.31 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 06-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-07-2025 |
| 846914 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 85 | 85 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-28-2025 |
| 846968 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-27-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 09-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 846970 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 09-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 09-10-2025 |
| 846989 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 76.49 | 78.84 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 08-28-2025 |
| 847028 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90 | 90 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 08-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 | 08-19-2025 |
| 847059 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-27-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 09-08-2025 | Eligible | 1 | 09-08-2025 |
| 847066 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 85 | 85 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | 07-30-2025 | Not Eligible | 2 | 07-30-2025 |
| 847071 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 21.95 | 73.03 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 09-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 08-18-2025 |
| 847145 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-15-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-19-2025 |
| 847206 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 45.22 | 45.22 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 08-29-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 09-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 847298 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 06-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 17.65 | 17.65 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 06-16-2025 |
| 847312 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 08-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 08-27-2025 |  |  |  |  |  |  |  |  |  |  | 2.5 | 08-15-2025 | Eligible |  |  |
| 847320 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-20-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-04-2025 |
| 847330 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 85 | 85 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 09-12-2025 |  |  |  |  |  |  |  |  |  |  | 1 | 09-04-2025 | Eligible |  |  |
| 847332 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-11-2025 | AVM |  |  | xxxxxx | 17.74 | 81.49 | xxxxxx | xxxxxx | .0122 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0122 | 96 | 0.04 | xxxxxx | Other | 09-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 847373 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-02-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-11-2025 | Eligible | 1 | 09-11-2025 |
| 847405 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 74.55 | 74.55 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 09-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 847461 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-21-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 72.63 | 72.63 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 07-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 847472 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 09-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-26-2025 |
| 847487 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 60 | 60 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 09-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 847496 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 06-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-17-2025 |
| 847507 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 08-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 847522 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | xxxxxx | .0112 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | .0112 | 09-15-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | 09-17-2025 |
| 847549 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-24-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 09-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 09-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 847560 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 09-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 847573 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-14-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 08-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 | 09-03-2025 |
| 847575 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | 95 | 0.05 | xxxxxx | xxxxxx | 09-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-08-2025 |
| 847576 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 21.52 | 45.29 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 09-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-10-2025 |
| 847580 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90 | 90 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-29-2025 |
| 847597 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-14-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 08-19-2025 | Eligible | 1 | 08-19-2025 |
| 847613 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 09-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 09-01-2025 |
| 847614 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 09-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-29-2025 | Eligible |  |  |
| 847636 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-23-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | 09-12-2025 |
| 847659 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 09-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 847660 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-11-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 40.3 | 40.3 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 08-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 | 09-09-2025 |
| 847672 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-29-2025 | Eligible | 1 | 08-29-2025 |
| 847693 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-14-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 09-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 847695 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 22 | 38.75 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-19-2025 | Eligible |  |  |
| 847710 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90 | 90 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 09-02-2025 | Eligible | 1 | 09-02-2025 |
| 847724 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 08-29-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-02-2025 |
| 847727 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-29-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 85 | 85 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-01-2025 |
| 847734 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 08-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-07-2025 |
| 847853 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-16-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90 | 90 | xxxxxx | xxxxxx | .0038 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | .0038 | 09-18-2025 | 1004 URAR |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 08-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 847885 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 09-09-2025 | Eligible | 1 | 09-09-2025 |
| 847903 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 08-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 78.13 | 78.13 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 08-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 08-07-2025 | Eligible |  |  |
| 847907 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 73.77 | 73.77 | xxxxxx | xxxxxx | .0508 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | .0508 | 08-13-2025 | 1004 URAR |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 08-18-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 847909 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-09-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 07-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-13-2025 | Eligible |  |  |
| 847911 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 07-31-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 08-06-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | 08-05-2025 |
| 847921 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-10-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-17-2025 |
| 847955 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-08-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 09-08-2025 |
| 847981 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-02-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 09-04-2025 |
| 848037 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-03-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 09-08-2025 | Eligible | 1.9 | 09-08-2025 |
| 848057 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-13-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 37.21 | 37.21 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-17-2025 |
| 848066 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-03-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 09-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 09-05-2025 |
| 848126 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 09-05-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 60.87 | 60.87 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 09-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 848172 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-28-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 09-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-03-2025 |
| 848173 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 09-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-17-2025 | Eligible |  |  |
| 848207 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-03-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 65 | 65 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 09-17-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 848210 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 09-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.4 | 09-22-2025 |
| 848235 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 08-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 08-27-2025 |
| 848236 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-21-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-14-2025 |
| 848250 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 09-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 88.24 | 88.24 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 09-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 09-07-2025 | Eligible |  |  |
| 848265 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-06-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 90 | 90 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 08-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 08-12-2025 |
| 848266 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-01-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 67.94 | 67.94 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 08-08-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-05-2025 |
| 848279 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 23.95 | 23.95 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-19-2025 |
| 848280 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-09-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-12-2025 |
| 848281 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-19-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 57.6 | 57.6 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-20-2025 |
| 848282 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-12-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-14-2025 |
| 848283 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-14-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | xxxxxx | .0894 | AVM |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | .0894 | 98 | 0.02 | xxxxxx | xxxxxx | 08-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 848286 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-18-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-19-2025 |
| 848287 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-26-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 70 | 70 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-27-2025 |
| 848610 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 09-11-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 44.83 | 84.91 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 09-16-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 848666 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-11-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 09-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 848691 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-30-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 09-03-2025 |
| 849184 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-08-2025 | 1073 Individual Condo Report | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 08-12-2025 |
| 849188 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-04-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | xxxxxx | -.0085 | 1004 URAR |  |  |  |  | xxxxxx | xxxxxx | -.0085 | 08-16-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 849312 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-27-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 80 | 80 | xxxxxx | xxxxxx | -.0118 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0118 | xxxxxx | Moderate | 09-04-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-02-2025 |
| 849731 | xxxxxx | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-22-2025 | 1004 URAR | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 08-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-26-2025 |
| 849735 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-22-2025 | 1025 Small Residential Income Report | xxxxxx | xxxxxx | xxxxxx | 75 | 75 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low | 08-27-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.21

**EXHIBIT 99.21**

**Clarifii Multi Property Valuation Report**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Property ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Primary Appraised Value** | **Value for LTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Primary Appraisal Date** | **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** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Total Adjusted Prior Purchase Price** | **Completion Report (1004D) Date** |
| 841826 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | xxxxxx | 0.0 | .0000 |  |  |  | 05-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 05-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841826 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | xxxxxx | 0.0 | .0000 |  |  |  | 05-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 05-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841826 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | xxxxxx | 0.0 | .0000 |  |  |  | 05-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 05-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841826 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | xxxxxx | 0.0 | .0000 |  |  |  | 05-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841826 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | xxxxxx | 0.0 | .0000 |  |  |  | 05-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 05-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841826 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | xxxxxx | 0.0 | .0000 |  |  |  | 05-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841826 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | xxxxxx | 0.0 | .0000 |  |  |  | 05-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841826 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | xxxxxx | 0.0 | .0000 |  |  |  | 05-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 5/12/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841826 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | xxxxxx | 0.0 | .0000 |  |  |  | 05-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 05-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841826 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | xxxxxx | 0.0 | .0000 |  |  |  | 05-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841826 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | xxxxxx | 0.0 | .0000 |  |  |  | 05-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841826 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | xxxxxx | 0.0 | .0000 |  |  |  | 05-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Moderate | 05-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841826 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | xxxxxx | 0.0 | .0000 |  |  |  | 05-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841826 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | xxxxxx | 0.0 | .0000 |  |  |  | 05-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841826 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | xxxxxx | 0.0 | .0000 |  |  |  | 05-01-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841826 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | xxxxxx | xxxxxx | 0.0 | .0000 |  |  |  | 05-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0.0 | .0000 | xxxxxx | Low | 05-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.22

**EXHIBIT 99.22**

**Selene Diligence LLC ("Selene") Due Diligence Review Narrative**

![](tm2529922d1_ex99-22img01.jpg)

**Selene Diligence LLC ("Selene") Due 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:**

&nbsp;&nbsp;&nbsp;&nbsp;**(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 VMC Asset Pooler, LLC ("Client"). The review was conducted between May 5, 2025 through September 24, 2025 via files imaged and provided for review (the "Review"), in connection with the Verus 2025-11 securitization.

&nbsp;&nbsp;&nbsp;&nbsp;**(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 residential and 24 business purpose loans for a total of 81 loans (the "Final Securitization Population").

*<u>Credit Reviews (81):</u>*

During the Review, Selene performed a credit review on 81 mortgage loans in the Final Securitization Population.

*<u>Compliance Review (81)</u>*

During the Review, Selene performed a compliance review, as applicable, on 81 mortgage loans in the Final Securitization Population.

*<u>Valuation Reviews (81):</u>*

During the Review, Selene performed a property valuation review on 81 mortgage loans in the Final Securitization Population.

*<u>Data Integrity Review (81):</u>*

During the Review, Selene performed a Data Integrity Review on 81 mortgage loans in the Final Securitization Population.

*VERUS 2025-11 Executive Summary (Selene Diligence)*

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

After Selene's initial review was completed, the Client provided Selene with a confirmed list of 81 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;81 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Compliance Population | &nbsp;&nbsp;81 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Valuation Population | &nbsp;&nbsp;81 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Data Integrity Population | &nbsp;&nbsp;81 | &nbsp;&nbsp;100.00% |

---

&nbsp;&nbsp;&nbsp;&nbsp;**(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, Fitch Ratings Inc and Kroll Bond Rating Agency, LLC. (the "NRSRO(s)").

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

&nbsp;&nbsp;&nbsp;&nbsp;**(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>LOAN GRADING</u>**

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.

---

| | |
|:---|:---|
| *VERUS 2025-11 Executive Summary (Selene Diligence)* | Page **2** of **18** |

---

**<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, C, and D, 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;· 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;· Analyzed asset statements to determine whether
funds to close and reserves were within the guidelines; and

&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 the presence and correct execution of required documents and, as applicable, validation that the loans comply with state or federal compliance rules, such as 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.

---

| | |
|:---|:---|
| *VERUS 2025-11 Executive Summary (Selene Diligence)* | Page **3** of **18** |

---

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Tape
data is uploaded into the application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan
Reviewer collects validated loan data;

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

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

**DSCR REVIEW**

Selene's DSCR review consisted of the below:

- 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

Please reference **Appendix D**, attached hereto, for additional information.

**<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 81 mortgage loans, (ii) a Compliance Review, as applicable, on 81 mortgage loans (iii) a Valuation Review on 81 mortgage loans, and (iv) a Data Integrity Review on 81 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 81 mortgage loans; 57 mortgage loans had a rating grade of A and 24 mortgage loans had a rating grade of B.

---

| | |
|:---|:---|
| *VERUS 2025-11 Executive Summary (Selene Diligence)* | Page **4** of **18** |

---

***Grades per loan (81 overall loans):***

 ****

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &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;**FINAL RA GRADES - OVERALL** |
| <br>&nbsp;&nbsp;**NRSRO<br> Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**Fitch** % | &nbsp;&nbsp;**Kroll %** | <br>&nbsp;&nbsp;**NRSRO<br> Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**Fitch** % | &nbsp;&nbsp;**Kroll %** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;16 | &nbsp;&nbsp;16 | &nbsp;&nbsp;19.75% | &nbsp;&nbsp;19.75% | &nbsp;&nbsp;A | &nbsp;&nbsp;57 | &nbsp;&nbsp;57 | &nbsp;&nbsp;70.37% | &nbsp;&nbsp;70.37% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;3.70% | &nbsp;&nbsp;3.70% | &nbsp;&nbsp;B | &nbsp;&nbsp;24 | &nbsp;&nbsp;24 | &nbsp;&nbsp;29.63% | &nbsp;&nbsp;29.63% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;29 | &nbsp;&nbsp;29 | &nbsp;&nbsp;35.80% | &nbsp;&nbsp;35.80% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;33 | &nbsp;&nbsp;33 | &nbsp;&nbsp;40.74% | &nbsp;&nbsp;40.74% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
|  | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** |  | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** |
| &nbsp;&nbsp;**NRSRO <br> Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**Fitch %** | &nbsp;&nbsp;**Kroll %** | &nbsp;&nbsp;**NRSRO<br> Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**Fitch %** | &nbsp;&nbsp;**Kroll %** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;78 | &nbsp;&nbsp;78 | &nbsp;&nbsp;96.30% | &nbsp;&nbsp;96.30% | &nbsp;&nbsp;A | &nbsp;&nbsp;60 | &nbsp;&nbsp;60 | &nbsp;&nbsp;74.07% | &nbsp;&nbsp;74.07% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;3.70% | &nbsp;&nbsp;3.70% | &nbsp;&nbsp;B | &nbsp;&nbsp;21 | &nbsp;&nbsp;21 | &nbsp;&nbsp;25.93% | &nbsp;&nbsp;25.93% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
|  | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** |  |  |  |  |  |
| &nbsp;&nbsp;**NRSRO<br> Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**Fitch** % | &nbsp;&nbsp;**Kroll %** |  |  |  |  |  |
| &nbsp;&nbsp;A | &nbsp;&nbsp;81 | &nbsp;&nbsp;81 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;100.00% |  |  |  |  |  |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |  |  |  |  |  |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |  |  |  |  |  |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &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.

---

| | |
|:---|:---|
| *VERUS 2025-11 Executive Summary (Selene Diligence)* | Page **5** of **18** |

---

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:

&nbsp;&nbsp;&nbsp;&nbsp;1. Selene Due Diligence Narrative Report

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

&nbsp;&nbsp;&nbsp;&nbsp;3. Grading Summary

&nbsp;&nbsp;&nbsp;&nbsp;4. Exception Detail

&nbsp;&nbsp;&nbsp;&nbsp;5. Tape Discrepancies

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

&nbsp;&nbsp;&nbsp;&nbsp;7. Supplemental Data

&nbsp;&nbsp;&nbsp;&nbsp;8. ATR/QM Report

&nbsp;&nbsp;&nbsp;&nbsp;9. Third Party (TPR) Attestation Form

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

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**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

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**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;&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;

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

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

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

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**APPENDIX B – COMPLIANCE REVIEW SCOPE**

Selene reviewed the applicable residential 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;&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;&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.

&nbsp;&nbsp;&nbsp;&nbsp;&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; <br> 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.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h) <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.

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

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**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 reviewed the applicable mortgage loans 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 reviewed the applicable 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.** 

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**SCHEDULE I**

1. AL Consumer Credit License- Mortgage Broker License

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<br>
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)

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

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

&nbsp;&nbsp;&nbsp;&nbsp;38. OR Consumer Finance License – Consumer Finance Registration – Mortgage Lender License

&nbsp;&nbsp;&nbsp;&nbsp;39. PA Consumer Equity Protection Act

&nbsp;&nbsp;&nbsp;&nbsp;40. RI Home Loan Protection Act and Regulation 3

&nbsp;&nbsp;&nbsp;&nbsp;41. SD Mortgage Lender License – Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;42. TN Home Loan Protection Act

&nbsp;&nbsp;&nbsp;&nbsp;43. UT Residential Mortgage Practices and Licensing Act

&nbsp;&nbsp;&nbsp;&nbsp;44. VA Mortgage Lender and Broker Act

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

&nbsp;&nbsp;&nbsp;&nbsp;46. WV Residential Mortgage Lender, Broker and Servicer Act

&nbsp;&nbsp;&nbsp;&nbsp;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;1. CA AB 260 (Division 1.9 of the Financial Code) higher-priced mortgage loan provisions - Anti-Predatory Lending Statute - Amendment

&nbsp;&nbsp;&nbsp;&nbsp;2. CT Abusive Home Lending Practices Act

&nbsp;&nbsp;&nbsp;&nbsp;3. CT Nonprime Home Loans Statute

&nbsp;&nbsp;&nbsp;&nbsp;4. IL Office of Banks and Real Estate High Risk Home Loan Regulations

&nbsp;&nbsp;&nbsp;&nbsp;5. IL High Risk Home Loan ActL Predatory Lending Database Program

&nbsp;&nbsp;&nbsp;&nbsp;6. Chicago, IL Predatory Lending Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;7. Cook County, IL Predatory Lending Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;8. KY Predatory Lending and High Cost Home Loan Act (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;9. 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)

&nbsp;&nbsp;&nbsp;&nbsp;10. 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

&nbsp;&nbsp;&nbsp;&nbsp;11. Maryland Regulations for Higher Priced Mortgage Loans, as promulgated under the Maryland Mortgage Lender Law

&nbsp;&nbsp;&nbsp;&nbsp;12. NC Restrictions and Limitations of Home Loans and High-Cost Home Loans

&nbsp;&nbsp;&nbsp;&nbsp;13. NV Unfair Lending Practices Act – Anti Predatory Lending Law

&nbsp;&nbsp;&nbsp;&nbsp;14. NY GRBB Part 41 (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;15. NY Banking Law 6-L

&nbsp;&nbsp;&nbsp;&nbsp;16. NY Banking Law 6-M

&nbsp;&nbsp;&nbsp;&nbsp;17. OH Anti - Predatory Lending Act (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;18. Cleveland Heights, OH Ordinance Prohibiting Predatory Loans

&nbsp;&nbsp;&nbsp;&nbsp;19. RI Providence Ordinance Regarding Predatory Lending (post-amendment)

&nbsp;&nbsp;&nbsp;&nbsp;20. SC High-Cost and Consumer Home Loan Act (original provisions & 2010 ARM amendments)

&nbsp;&nbsp;&nbsp;&nbsp;21. TX Home Loan and High Cost Home Loan Act

&nbsp;&nbsp;&nbsp;&nbsp;22. UT High Cost Home Loan Act

&nbsp;&nbsp;&nbsp;&nbsp;23. VT High Rate Loans

&nbsp;&nbsp;&nbsp;&nbsp;24. VI VA SB 797 Hight Risk Mortgage – Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;25. WI Responsible High Cost Mortgage Lending Act

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**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.

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**APPENDIX D – DSCR SCOPE**

&nbsp;&nbsp;&nbsp;&nbsp;**1.** **Borrower Qualifications** 

Selene reviewed each Loan File to determine whether it contains the following borrower documents and if they adhere to the guidelines:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) Evidence of public record search (Thomson Reuters CLEAR)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) Evidence of asset location searches for additional real estate transactions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) Borrowers Questionnaire is completed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) Schedule of RE owned

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) Personal Tax Returns

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f) Background Search

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g) Personal Financial Statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h) Liquidity and Net Worth Verification Documents

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) Credit Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j) Review OFAC reports for any findings

&nbsp;&nbsp;&nbsp;&nbsp;**2.** **Borrowing Entity Qualifications** 

Selene reviewed each Loan File to determine whether it contains the following entity documents and if they adhere to the guidelines:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) Evidence of public record search (Thomson Reuters CLEAR) and applicable Sec. of State evidence of good
standing

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) Evidence of asset location searches

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) Business Tax Returns

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) Business Financials

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) Articles of Incorporation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f) Bylaws/Operating agreement

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g) Resolution to take on Debt

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h) Organizational Chart

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) Credit Approval Memo

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j) Review OFAC reports for any findings

&nbsp;&nbsp;&nbsp;&nbsp;**3.** **Property Manager Entity Qualifications** 

Selene reviewed each Loan File to determine that Property Manager entity is incorporated and operated in the United States with bank accounts located in U.S. state and federally chartered bank accounts.

&nbsp;&nbsp;&nbsp;&nbsp;**4.**  **<u>Individual Property Scope</u>** 

&nbsp;&nbsp;&nbsp;&nbsp;**a)** **Business Purpose Loan Affidavit** 

Selene reviewed each Loan File to determine whether a Business Purpose Loan is present and properly executed.

&nbsp;&nbsp;&nbsp;&nbsp;**b)** **Lease Review** 

Selene reviewed each Loan File to determine whether each property contains a valid lease and determine if it is executed in compliance with the guidelines, including a review of the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Each lease has been executed by the applicable tenant

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Confirm tenant is a natural person

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| *VERUS 2025-11 Executive Summary (Selene Diligence)* | Page **16** of **18** |

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Confirm lease does not contain "lease to own" provisions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Verify vacancy factor

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Each lease contains the monthly rental payment, commencement and expiration dates, and term and remaining
term are in compliance with the guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Confirm rent, vacancy and lease commencement/expiration consistent with underwritten rent roll

&nbsp;&nbsp;&nbsp;&nbsp;**c)** **Valuation Review** 

Selene reviewed the appraisal provided for each property in the Loan File to ensure that the value meets the guidelines and that the market value concluded on the appraisal is properly supported. Selene reviewed the Loan to Value ("LTV") of each loan for program eligibility, pursuant to the guidelines. Specifically, Selene will:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Confirm the appraisal is the correct form

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Review property condition and type; confirm it meets guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Review that value meets the minimum/maximum per the guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Confirm "as is" and "subject to" values

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Review sales comparables and adjustments for relevance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. For multifamily properties: review the appraiser's cash flow assumptions, rent comparables, cap
rate selection and value reconciliation

&nbsp;&nbsp;&nbsp;&nbsp;**d)** **Insurance Review** 

Selene reviewed each Loan File to ensure that the property, flood, and hazard insurance policies are in compliance with the guidelines.

In the event the property is located within 25 miles of the Gulf of Mexico or the Atlantic Coast of Florida, Georgia, South Carolina, or North Carolina, Selene confirmed property has windstorm or "named storm" coverage.

&nbsp;&nbsp;&nbsp;&nbsp;**e)** **Collateral Analysis** 

Selene reviewed each Loan File to determine whether it contains the following collateral documents and if they are in compliance with the guidelines:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Executed Leases

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Rent Roll

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Rental Income Verification (proof of lease payments that demonstrate minimum 90% of scheduled gross rents for the previous two-month
period.)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Operating Statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Property Management Agreement

&nbsp;&nbsp;&nbsp;&nbsp;**f)** **Financial Analysis / Cash Flow Analysis** 

Selene reviewed each Loan File to determine whether it contains the following financial documents and if they are in compliance with the guidelines:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Rent Roll:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm monthly rents are populated correctly at the loan level and portfolio level

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm Rent verification – proof of lease payments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm vacancy is within guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Operating Statements:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm expenses within range, per the guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm taxes, insurance and HOA are populated at loan level and within range at portfolio level per the guidelines

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| *VERUS 2025-11 Executive Summary (Selene Diligence)* | Page **17** of **18** |

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm CapEx meets guidelines for reasonableness

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm annual maintenance fees meet guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Confirm property management fees meet program requirements for range and historical consistency

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Confirm the DSCR meets program guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Property Management Agreement / Tri Party Agreement if no property manager

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|:---|:---|
| *VERUS 2025-11 Executive Summary (Selene Diligence)* | Page **18** of **18** |

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## Exhibit 99.23

**EXHIBIT 99.23**

**Selene Rating Agency Grades Detail Report**

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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** |
| 844214 | xxxxxx | D B A C | Closed | xxxxxx | 2025-07-30 07:12 | 2025-07-30 07:38 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-07/30/2025 <br> Open-Document Uploaded. - Due Diligence Vendor-07/30/2025 <br> Ready for Review-Document Uploaded. - Seller-07/30/2025 <br> Open-Borrower Type ineligible per program guidelines. The Note was signed by the borrower xxxxxx on behalf of the Business Entity, xxxxxx. Provide Exception - Due Diligence Vendor-07/30/2025 | Ready for Review-Document Uploaded. - Seller-07/30/2025 | Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-07/30/2025 | DSCR - Loan File 1.436, GL Requirement Min 1.0<br> LTV- Loan File 49.90%, GL Requirement Max 75%<br> Credit Score- Loan File 714, GL Requirement Min 700<br> Personal Guaranty with full recourse executed by borrower present in file | DSCR - Loan File 1.436, GL Requirement Min 1.0<br> LTV- Loan File 49.90%, GL Requirement Max 75%<br> Credit Score- Loan File 714, GL Requirement Min 700<br> Personal Guaranty with full recourse executed by borrower present in file | xxxxxx Exception.pdf<br> Loan xxxxxx- Note signed by borrower on behalf of Business Entity.png | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 844214 | xxxxxx | D B A C | Closed | xxxxxx | 2025-05-20 13:53 | 2025-07-30 07:21 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-07/30/2025 <br> Resolved-The Deed of Trust is Present and Complete Re-executed and re-recorded copy of the Deed was provided. - Due Diligence Vendor-07/30/2025 <br> Ready for Review-Document Uploaded. - Seller-07/29/2025 <br> Counter-Deed of Trust should be signed by the borrower as the member of the LLC since the vesting is in the business. Provide updated DOT - Due Diligence Vendor-05/22/2025 <br> Ready for Review-Document Uploaded. Still working on Deed. As far as the field review, this is allowed when the CDA has a 10% or more variance. - Seller-05/21/2025 <br> Open-Deed of Trust should be signed by the borrower as the member of the LLC since the vesting is in the business. Provide updated DOT - Due Diligence Vendor-05/20/2025 | Ready for Review-Document Uploaded. - Seller-07/29/2025 <br> Ready for Review-Document Uploaded. Still working on Deed. As far as the field review, this is allowed when the CDA has a 10% or more variance. - Seller-05/21/2025 | Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-07/30/2025 <br> Resolved-The Deed of Trust is Present and Complete Re-executed and re-recorded copy of the Deed was provided. - Due Diligence Vendor-07/30/2025 |  |  | xxxxxx appr docs.pdf<br> xxxxxx Note and Deed.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 844214 | xxxxxx | D B A C | Closed | xxxxxx | 2025-05-16 00:10 | 2025-06-02 04:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report received - Due Diligence Vendor-06/02/2025 <br> Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-06/02/2025 <br> Ready for Review-Document Uploaded. - Seller-05/30/2025 <br> Counter-The Fraud Report provided is for loan xxxxxx-Borrower last name xxxxxx. Provide Fraud Report for subject loan and Borrower last name xxxxxx - Due Diligence Vendor-05/22/2025 <br> Ready for Review-Document Uploaded. - Seller-05/21/2025 <br> Open-Missing Third Party Fraud Report Third Party Fraud Report on page 278 is for another borrower. Provide Fraud Report for subject file/borrower. - Due Diligence Vendor-05/16/2025 | Ready for Review-Document Uploaded. - Seller-05/30/2025 <br> Ready for Review-Document Uploaded. - Seller-05/21/2025 | Resolved-Third Party Fraud Report received - Due Diligence Vendor-06/02/2025 <br> Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-06/02/2025 |  |  | xxxxxx Fraud.pdf<br> Fraud xxxxxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 844214 | xxxxxx | D B A C | Closed | xxxxxx | 2025-05-20 13:20 | 2025-05-22 07:28 | Resolved | 1 - Information C A | Property | Appraisal | Loan file does not contain additional valuation | Resolved-Per Matrix, • If the CDA reflects a value more than 10% below the appraised value or cannot provide a validation, the file must include either a field review or a second <br> appraisal. These may not be from the same appraiser or appraisal company as the original report. Appraisal and Appraisal Field Review and CDA received. - Due Diligence Vendor-07/30/2025 <br> Ready for Review-Document Uploaded. Also uploaded yesterday with the other appraisal documents. - Seller-05/22/2025 <br> Counter-Provide the CDA with 10% or more variance - Due Diligence Vendor-05/22/2025 <br> Ready for Review-See DOT Finding. Appraisal and Appraisal Field Review provided. As far as the field review, this is allowed when the CDA has a 10% or more variance. - Due Diligence Vendor-05/22/2025 <br> Ready for Review-Document Uploaded. - Seller-05/21/2025 <br> Open-Loan file does not contain additional valuation Per GL Requirements page 61, acceptable appraisal report forms- 1004, 1025, 1073, 1004D, 1007, 3170. Also, acceptable appraisal review products are CU's or CDA's per xxxxxx Matrix, A xxxxxx-Unit Residential Appraisal Field Review Report is an Ineligible Appraisal Form per GL. Provide Exception - Due Diligence Vendor-05/20/2025 | Ready for Review-Document Uploaded. Also uploaded yesterday with the other appraisal documents. - Seller-05/22/2025 <br> Ready for Review-Document Uploaded. - Seller-05/21/2025 | Resolved-Per Matrix, • If the CDA reflects a value more than 10% below the appraised value or cannot provide a validation, the file must include either a field review or a second <br> appraisal. These may not be from the same appraiser or appraisal company as the original report. Appraisal and Appraisal Field Review and CDA received. - Due Diligence Vendor-07/30/2025 |  |  | xxxxxx Fraud.pdf<br> CDA.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 844214 | xxxxxx | D B A C | Closed | xxxxxx | 2025-05-16 00:05 | 2025-05-22 02:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy with Premium provided. - Due Diligence Vendor-05/22/2025 <br> Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-05/22/2025 <br> Ready for Review-Document Uploaded. Invoice lists the insurance for two properties. - Seller-05/21/2025 <br> Open-Hazard Insurance Policy Partially Provided xxxxxx/12 months = xxxxxx as reflected on the HUD. Provide HOI Policy with premium amount of xxxxxx - Due Diligence Vendor-05/16/2025 | Ready for Review-Document Uploaded. Invoice lists the insurance for two properties. - Seller-05/21/2025 | Resolved-Hazard Insurance Policy with Premium provided. - Due Diligence Vendor-05/22/2025 <br> Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-05/22/2025 |  |  | xxxxxx HOI.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840079 | xxxxxx | D B A | Closed | xxxxxx | 2025-07-01 03:31 | 2025-09-08 05:11 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Client elects to waive with the following compensating factors - Due Diligence Vendor-09/08/2025 <br> Ready for Review-Document Uploaded. - Seller-09/05/2025 <br> Open-Guidelines do not allow entity to sign note Note was signed by xxxxxx and xxxxxx on behalf of Business Entity, xxxxxx. Provide Exception - Due Diligence Vendor-07/01/2025 | Ready for Review-Document Uploaded. - Seller-09/05/2025 | Waived-Client elects to waive with the following compensating factors - Due Diligence Vendor-09/08/2025 | DSCR - Loan File 1.757, GL Requirement Min 1.0<br> Reserves - Loan File 21.17 months , GL Requirement Min 6 months <br> Personal Guaranty with full recourse executed by borrower present in file | DSCR - Loan File 1.757, GL Requirement Min 1.0<br> Reserves - Loan File 21.17 months , GL Requirement Min 6 months <br> Personal Guaranty with full recourse executed by borrower present in file | xxxxxx Exception.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 840079 | xxxxxx | D B A | Closed | xxxxxx | 2025-07-03 12:46 | 2025-09-08 05:10 | Resolved | 1 - Information B A | Credit | Doc Issue | Loan program disclosure missing or unexecuted | Resolved-Resolved. Foreign National Affidavit for xxxxxx received. - Due Diligence Vendor-09/08/2025 <br> Ready for Review-Document Uploaded. - Seller-09/05/2025 <br> Open-Provide xxxxxx Foreign Interest Affidavit - Due Diligence Vendor-07/03/2025 | Ready for Review-Document Uploaded. - Seller-09/05/2025 | Resolved-Resolved. Foreign National Affidavit for xxxxxx received. - Due Diligence Vendor-09/08/2025 |  |  | xxxxxx Docs.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 840079 | xxxxxx | D B A | Closed | xxxxxx | 2025-07-01 05:30 | 2025-09-08 02:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Requested Final Business Purpose Affidavit Disclosure Provided, Updated & Condition Resolved. - Due Diligence Vendor-09/08/2025 <br> Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-09/08/2025 <br> Ready for Review-Document Uploaded. - Seller-09/05/2025 <br> Open-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Missing', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Provide Business Purpose Affidavit that was executed at closing - Due Diligence Vendor-07/01/2025 | Ready for Review-Document Uploaded. - Seller-09/05/2025 | Resolved-Requested Final Business Purpose Affidavit Disclosure Provided, Updated & Condition Resolved. - Due Diligence Vendor-09/08/2025 <br> Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-09/08/2025 |  |  | xxxxxx Docs.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 840079 | xxxxxx | D B A | Closed | xxxxxx | 2025-07-03 13:09 | 2025-07-08 05:33 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Executed HUD-1 received - Due Diligence Vendor-07/08/2025 <br> Ready for Review-Document Uploaded. - Seller-07/07/2025 <br> Open-Final HUD-1 Document is Missing. Provide executed HUD-1 - Due Diligence Vendor-07/03/2025 | Ready for Review-Document Uploaded. - Seller-07/07/2025 | Resolved-Executed HUD-1 received - Due Diligence Vendor-07/08/2025 |  |  | HUD.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 840079 | xxxxxx | D B A | Closed | xxxxxx | 2025-07-01 05:37 | 2025-07-08 05:13 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Prepayment Rider | Resolved- Prepayment Penalty Rider received - Due Diligence Vendor-07/08/2025 <br> Ready for Review-Document Uploaded. - Seller-07/07/2025 <br> Open-Provide Prepayment Penalty Rider - Due Diligence Vendor-07/01/2025 | Ready for Review-Document Uploaded. - Seller-07/07/2025 | Resolved- Prepayment Penalty Rider received - Due Diligence Vendor-07/08/2025 |  |  | PPP Rider.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 838924 | xxxxxx | C B A | Closed | xxxxxx | 2025-07-16 21:46 | 2025-07-23 11:19 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Client elects to waive with the following compensating factors - Due Diligence Vendor-07/23/2025 <br> Ready for Review-Document Uploaded. - Seller-07/22/2025 <br> Open-Guidelines do not allow entity to sign note - Due Diligence Vendor-07/17/2025 | Ready for Review-Document Uploaded. - Seller-07/22/2025 | Waived-Client elects to waive with the following compensating factors - Due Diligence Vendor-07/23/2025 | 770 FICO score - 700 FICO minimum<br> 7.8 months reserves<br> Personal guaranty | 770 FICO score - 700 FICO minimum<br> 7.8 months reserves<br> Personal guaranty | xxxxxx Exc.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 841087 | xxxxxx | D A | Closed | xxxxxx | 2025-07-14 01:55 | 2025-08-19 13:07 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Resolved-As per guideline, borrower's most recent paystubs reflecting 30 days of pay and YTD earnings uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-08/05/2025 <br> Resolved-Borrower 1 Paystubs Less Than 1 Month Provided Condition Resolved - Due Diligence Vendor-08/05/2025 <br> Ready for Review-Document Uploaded. Paystub - Seller-08/04/2025 <br> Open-Borrower 1 Paystubs Less Than 1 Month Provided Provide 2 months paystub as the provided one on page 357,358 is less than 1 month - Due Diligence Vendor-07/14/2025 | Ready for Review-Document Uploaded. Paystub - Seller-08/04/2025 | Resolved-As per guideline, borrower's most recent paystubs reflecting 30 days of pay and YTD earnings uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-08/05/2025 <br> Resolved-Borrower 1 Paystubs Less Than 1 Month Provided Condition Resolved - Due Diligence Vendor-08/05/2025 |  |  | Paystub- xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 841087 | xxxxxx | D A | Closed | xxxxxx | 2025-07-16 10:43 | 2025-08-19 13:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-08/05/2025 <br> Resolved-VVOE provided. - Due Diligence Vendor-07/21/2025 <br> Ready for Review-Document Uploaded. VVOE - Seller-07/18/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing VOE in file is not dated - Due Diligence Vendor-07/16/2025 | Ready for Review-Document Uploaded. VVOE - Seller-07/18/2025 | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-08/05/2025 <br> Resolved-VVOE provided. - Due Diligence Vendor-07/21/2025 |  |  | VVOE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 840080 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 842661 | xxxxxx | C B A | Closed | xxxxxx | 2025-07-29 14:57 | 2025-08-01 11:52 | Waived | 2 - Non-Material C B | Credit | Borrower | Citizenship Does Not Meet Guideline Requirements | Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-08/01/2025 <br> Ready for Review-Document Uploaded. - Seller-08/01/2025 <br> Open-Borrower is a Permanent Resident Alien; however, Country of Birth is listed as xxxxxx which is a Sanctioned Country. Provide Exception - Due Diligence Vendor-07/29/2025 | Ready for Review-Document Uploaded. - Seller-08/01/2025 | Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-08/01/2025 | Credit Score is 793. Minimum required per guidelines is 700.<br> Borrower(s) have 8.34 months Reserves. Minimum required per guidelines is 2 months.<br> Personal Guaranty with full recourse executed by borrower present in file  | Credit Score is 793. Minimum required per guidelines is 700.<br> Borrower(s) have 8.34 months Reserves. Minimum required per guidelines is 2 months.<br> Personal Guaranty with full recourse executed by borrower present in file  | xxxxxx Exception.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 842661 | xxxxxx | C B A | Closed | xxxxxx | 2025-07-23 08:37 | 2025-07-29 05:18 | Resolved | 1 - Information C A | Credit | Credit | Guarantor Recourse Document is missing | Resolved-Resolved. Notarized Personal Guaranty received - Due Diligence Vendor-07/29/2025 <br> Ready for Review-Document Uploaded. - Seller-07/28/2025 <br> Counter-Page 4 of the Personal Guaranty is not notarized. Provide notarized personal guaranty. - Due Diligence Vendor-07/28/2025 <br> Ready for Review-Document Uploaded. - Seller-07/25/2025 <br> Open-Provide Personal Guaranty - Due Diligence Vendor-07/23/2025 | Ready for Review-Document Uploaded. - Seller-07/28/2025 <br> Ready for Review-Document Uploaded. - Seller-07/25/2025 | Resolved-Resolved. Notarized Personal Guaranty received - Due Diligence Vendor-07/29/2025 |  |  | xxxxxx Guaranty.PDF<br> xxxxxx Guaranty.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 842661 | xxxxxx | C B A | Closed | xxxxxx | 2025-07-17 21:07 | 2025-07-24 07:45 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-07/24/2025 <br> Ready for Review-Document Uploaded. - Seller-07/23/2025 <br> Open-Guidelines do not allow entity to sign note Document Uploaded. Note was signed by xxxxxx on behalf of Business Entity, xxxxxx. Provide Exception <br> - Due Diligence Vendor-07/18/2025 | Borrower signed note as member of LLC instead of as individual, which differs from guideline. This is fine since we have the guaranty. - 07/24/2025 <br>Ready for Review-Document Uploaded. - Seller-07/23/2025 | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-07/24/2025 | Credit Score is 793. Minimum required per guidelines is 700.<br> Borrower(s) have 8.34 months Reserves. Minimum required per guidelines is 2 months.<br> Personal Guaranty in file with full recourse | Credit Score is 793. Minimum required per guidelines is 700.<br> Borrower(s) have 8.34 months Reserves. Minimum required per guidelines is 2 months.<br> Personal Guaranty in file with full recourse | Loan xxxxxx- Note signed by borrower on behalf of Business Entity.png<br> xxxxxx Exc.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 841743 | xxxxxx | C A | Closed | xxxxxx | 2025-07-21 23:56 | 2025-07-30 12:09 | Resolved | 1 - Information C A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-CDA received. - Due Diligence Vendor-07/30/2025 <br> Ready for Review-Document Uploaded. CDA - Seller-07/30/2025 <br> Counter-The xxxxxx document provided has a score of '999,' which is not a valid CU score. If the xxxxxx document does not have a score (or has a score over 2.5), then a Desk Review will be required. - Due Diligence Vendor-07/22/2025 <br> Ready for Review-Document Uploaded. xxxxxx SSR - Seller-07/22/2025 <br> Open-• Secondary Valuation or Additional Valuation for securitization purposes is missing. File needs a xxxxxx or xxxxxx UCDP/SSR report with a score less than 2.5, or the file needs an Appraisal Desk Review. A xxxxxx SSR was provided, but it did not show a valid CU score.<br> - Due Diligence Vendor-07/22/2025 | Ready for Review-Document Uploaded. CDA - Seller-07/30/2025 <br> Ready for Review-Document Uploaded. xxxxxx SSR - Seller-07/22/2025 | Resolved-CDA received. - Due Diligence Vendor-07/30/2025 |  |  | xxxxxx xxxxxx SSR.pdf<br> CDA.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 841743 | xxxxxx | C A | Closed | xxxxxx | 2025-07-21 23:28 | 2025-07-24 03:50 | Resolved | 1 - Information C A | Credit | Credit | DSCR unknown | Resolved-Requested updated DSCR Sheet & 1008 Provided with updated Hazard Insurance Monthly Amount, Now DSCR is matching hence resolved. - Due Diligence Vendor-07/24/2025 <br> Ready for Review-Document Uploaded. 1008/DSCR - Seller-07/23/2025 <br> Open-• Audit calculated DSCR is Market Rent $1,800 / PITIA $1,697.78 = 1.0602 DSCR. Audit calculated 1.011 DSCR using a PITIA of $1,780.36. The difference is in the Hazard Insurance. Per the 1008 and the DSCR calculation worksheet, $150 monthly insurance was used. However, per the Hazard Insurance document and the Final xxxxxx Settlement Statement, insurance was only $809, or $67.42 monthly. The 1008 and the DSCR worksheet used a wrong Insurance amount, which led to a wrong PITIA and wrong DSCR. - Due Diligence Vendor-07/22/2025 | Ready for Review-Document Uploaded. 1008/DSCR - Seller-07/23/2025 | Resolved-Requested updated DSCR Sheet & 1008 Provided with updated Hazard Insurance Monthly Amount, Now DSCR is matching hence resolved. - Due Diligence Vendor-07/24/2025 |  |  | 1008.pdf<br> DSCR.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 841743 | xxxxxx | C A | Closed | xxxxxx | 2025-07-21 23:18 | 2025-07-24 03:46 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Requested Alerts Cleared report provided hence resolved. - Due Diligence Vendor-07/24/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-07/24/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-07/23/2025 <br> Open-Fraud Report Shows Uncleared Alerts • The xxxxxx Alerts Summary document shows a total of 6 High alerts, only 5 of which were cleared. Please provide the documentation that shows all alerts were reviewed & cleared. - Due Diligence Vendor-07/22/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-07/23/2025 | Resolved-Requested Alerts Cleared report provided hence resolved. - Due Diligence Vendor-07/24/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-07/24/2025 |  |  | Cleared Alerts.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 843068 | xxxxxx | C A | Closed | xxxxxx | 2025-07-25 06:46 | 2025-07-28 05:10 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Resolved. Intent to Proceed Disclosure received - Due Diligence Vendor-07/28/2025 <br> Ready for Review-Document Uploaded. - Seller-07/25/2025 <br> Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Provide Intent to Proceed Disclosure - Due Diligence Vendor-07/25/2025 | Ready for Review-Document Uploaded. - Seller-07/25/2025 | Resolved-Resolved. Intent to Proceed Disclosure received - Due Diligence Vendor-07/28/2025 |  |  | xxxxxx ITP.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 841420 | xxxxxx | C B A | Closed | xxxxxx | 2025-07-29 21:51 | 2025-08-06 09:38 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-The client elects to waive with the following compensating factors<br> - Due Diligence Vendor-08/06/2025 <br> Ready for Review-Document Uploaded. - Seller-08/05/2025 <br> Open-Guidelines do not allow entity to sign note - Due Diligence Vendor-07/30/2025 | Ready for Review-Document Uploaded. - Seller-08/05/2025 | Waived-The client elects to waive with the following compensating factors<br> - Due Diligence Vendor-08/06/2025 | 774 FICO score - 700 FICO score minimum<br> Personal guarantee in the file<br> 26 months reserves - 6 months reserves minimum | 774 FICO score - 700 FICO score minimum<br> Personal guarantee in the file<br> 26 months reserves - 6 months reserves minimum | Exc xxxxxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 842491 | xxxxxx | C B A | Closed | xxxxxx | 2025-10-17 09:14 | 2025-10-17 09:16 | Waived | 2 - Non-Material C B | Credit | Credit | Property Type does not meet eligibility requirement(s) | Waived-Client has elected to waive with the following compensating factors - Due Diligence Vendor-10/17/2025 <br> Ready for Review- - Due Diligence Vendor-10/17/2025 <br> Open-Per Guideline Version 05/13/2025 - Page no#66, Property Listed for Sale Exception Page no#211, Exception For "recent listing cancelation for subject property completed 1 day after application date xxxxxx versus xxxxxx." - Due Diligence Vendor-10/17/2025 | xxxxxx approves exception. Ok to proceed. - 10/17/2025 <br>| Waived-Client has elected to waive with the following compensating factors - Due Diligence Vendor-10/17/2025 | 1.107 DSCR score with a minimum of 1.00 score<br> Personal guaranty in file with full recourse<br> FICO of 672; 660 minimum<br> LTV of 65%; maximum 70% | 1.107 DSCR score with a minimum of 1.00 score<br> Personal guaranty in file with full recourse<br> FICO of 672; 660 minimum<br> LTV of 65%; maximum 70% |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 842491 | xxxxxx | C B A | Closed | xxxxxx | 2025-07-22 21:54 | 2025-08-12 13:59 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Client has elected to waived with the following compensating factors - Due Diligence Vendor-07/28/2025 <br> Ready for Review-Document Uploaded. - Seller-07/28/2025 <br> Open-Guidelines do not allow entity to sign note - Due Diligence Vendor-07/23/2025 | Ready for Review-Document Uploaded. - Seller-07/28/2025 | Waived-Client has elected to waived with the following compensating factors - Due Diligence Vendor-07/28/2025 | 1.107 DSCR score with a minimum of 1.00 score<br> Personal guaranty in file with full recourse<br> FICO of 672; 660 minimum<br> LTV of 65%; maximum 70% | 1.107 DSCR score with a minimum of 1.00 score<br> Personal guaranty in file with full recourse<br> FICO of 672; 660 minimum<br> LTV of 65%; maximum 70% | xxxxxx EXC.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 841295 | xxxxxx | D A | Closed | xxxxxx | 2025-07-23 23:49 | 2025-07-30 05:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Resolved. Final BPA received - Due Diligence Vendor-07/30/2025 <br> Ready for Review-Document Uploaded. - Seller-07/29/2025 <br> Open-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Missing', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Provide Initial and Final Business Purpose Affidavits - Due Diligence Vendor-07/24/2025 | Ready for Review-Document Uploaded. - Seller-07/29/2025 | Resolved-Resolved. Final BPA received - Due Diligence Vendor-07/30/2025 |  |  | xxxxxx BPA.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 841295 | xxxxxx | D A | Closed | xxxxxx | 2025-07-24 12:06 | 2025-07-25 06:10 | Resolved | 1 - Information D A | Credit | Missing Doc | File does not contain all required Asset Statement(s) | Resolved-Resolved. Asset Worksheet received. - Due Diligence Vendor-07/25/2025 <br> Ready for Review-Document Uploaded. - Seller-07/24/2025 <br> Open-Provide Asset Worksheet - Due Diligence Vendor-07/24/2025 | Ready for Review-Document Uploaded. - Seller-07/24/2025 | Resolved-Resolved. Asset Worksheet received. - Due Diligence Vendor-07/25/2025 |  |  | xxxxxx Asset WS.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 842494 | xxxxxx | D A C | Closed | xxxxxx | 2025-07-24 12:35 | 2025-07-29 05:04 | Resolved | 1 - Information C A | Compliance | Disclosure | Data Discrepancy: Prepayment Penalty on Closing Disclosure Incorrect | Resolved-Resolved. Updated Final CD with PPP iao xxxxxx received - Due Diligence Vendor-07/29/2025 <br> Ready for Review-Document Uploaded. - Seller-07/28/2025 <br> Open-Prepayment Penalty on Closing Disclosure does not match the prepayment penalty calculation on the Note. Final CD does not reflect PPP iao xxxxxx. Provide updated Final CD - Due Diligence Vendor-07/24/2025 | Ready for Review-Document Uploaded. - Seller-07/28/2025 | Resolved-Resolved. Updated Final CD with PPP iao xxxxxx received - Due Diligence Vendor-07/29/2025 |  |  | xxxxxx correction and fed ex.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 842494 | xxxxxx | D A C | Closed | xxxxxx | 2025-07-24 13:04 | 2025-07-28 05:17 | Resolved | 1 - Information D A | Credit | Missing Doc | File does not contain all required Asset Statement(s) | Resolved-Resolved. Asset worksheet received - Due Diligence Vendor-07/28/2025 <br> Ready for Review-Document Uploaded. - Seller-07/25/2025 <br> Open-Provide Asset Worksheet - Due Diligence Vendor-07/24/2025 | Ready for Review-Document Uploaded. - Seller-07/25/2025 | Resolved-Resolved. Asset worksheet received - Due Diligence Vendor-07/28/2025 |  |  | xxxxxx Asset worksheet.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 843757 | xxxxxx | C A | Closed | xxxxxx | 2025-07-28 04:22 | 2025-08-04 01:00 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Provided Fraud shows All Fraud Report Alerts have been cleared or None Exist.<br> - Due Diligence Vendor-08/04/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-08/04/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-08/01/2025 <br> Open-Fraud Report Shows Uncleared Alerts Per the guideline Version 04/02/2025 on page#26 a clear fraud report is required. The fraud report in file pg#262 is showing a High alert. The required cleared report is missing. - Due Diligence Vendor-07/28/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-08/01/2025 | Resolved-Provided Fraud shows All Fraud Report Alerts have been cleared or None Exist.<br> - Due Diligence Vendor-08/04/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-08/04/2025 |  |  | Cleared Alerts.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 841415 | xxxxxx | D B C A | Closed | xxxxxx | 2025-08-06 12:02 | 2025-08-07 04:09 | Resolved | 1 - Information D A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Resolved. Intent to Proceed Disclosure received - Due Diligence Vendor-08/07/2025 <br> Ready for Review-Document Uploaded. - Seller-08/06/2025 <br> Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Provide Intent to Proceed Disclosure - Due Diligence Vendor-08/06/2025 | Ready for Review-Document Uploaded. - Seller-08/06/2025 | Resolved-Resolved. Intent to Proceed Disclosure received - Due Diligence Vendor-08/07/2025 |  |  | xxxxxx ITP.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 841415 | xxxxxx | D B C A | Closed | xxxxxx | 2025-07-31 02:00 | 2025-08-07 04:08 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Client elects to waive with the following compensating factors - Due Diligence Vendor-08/07/2025 <br> Ready for Review-Document Uploaded. - Seller-08/06/2025 <br> Open-Guidelines do not allow entity to sign note Document Uploaded. Note was signed by xxxxxx on behalf of Business Entity, xxxxxx. Provide Exception - Due Diligence Vendor-07/31/2025 | Ready for Review-Document Uploaded. - Seller-08/06/2025 | Waived-Client elects to waive with the following compensating factors - Due Diligence Vendor-08/07/2025 | Borrower(s) have 9.72 months Reserves. Minimum required per guidelines is 2 months.<br> Credit Score is 806. Minimum required per guidelines is 700.<br> Personal Guaranty with full recourse executed by borrower present in file. | Borrower(s) have 9.72 months Reserves. Minimum required per guidelines is 2 months.<br> Credit Score is 806. Minimum required per guidelines is 700.<br> Personal Guaranty with full recourse executed by borrower present in file. | Loan xxxxxx- Note signed by borrower on behalf of Business Entity.png<br> xxxxxx Exception.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 843069 | xxxxxx | D A | Closed | xxxxxx | 2025-08-01 14:31 | 2025-08-05 10:07 | Resolved | 1 - Information D A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-received the intent to proceed. - Due Diligence Vendor-08/05/2025 <br> Ready for Review-Document Uploaded. - Seller-08/04/2025 <br> Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Provide the intent to proceed - Due Diligence Vendor-08/01/2025 | Ready for Review-Document Uploaded. - Seller-08/04/2025 | Resolved-received the intent to proceed. - Due Diligence Vendor-08/05/2025 |  |  | xxxxxx Lock.pdf<br> xxxxxx ITP.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 843069 | xxxxxx | D A | Closed | xxxxxx | 2025-08-01 14:05 | 2025-08-05 10:05 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-08/05/2025 <br> Ready for Review-Document Uploaded. - Seller-08/04/2025 <br> Open-the lock document in the file shows there is a 1 year prepayment penalty. Provide a corrected lock document showing no prepaid penalty - Due Diligence Vendor-08/01/2025 | Ready for Review-Document Uploaded. - Seller-08/04/2025 | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-08/05/2025 |  |  | xxxxxx ITP.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 842504 | xxxxxx | D A | Closed | xxxxxx | 2025-08-05 09:19 | 2025-08-06 04:35 | Resolved | 1 - Information D A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Resolved. Intent to Proceed Disclosure received. - Due Diligence Vendor-08/06/2025 <br> Ready for Review-Document Uploaded. - Seller-08/05/2025 <br> Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Provide Intent to Proceed Disclosure. - Due Diligence Vendor-08/05/2025 | Ready for Review-Document Uploaded. - Seller-08/05/2025 | Resolved-Resolved. Intent to Proceed Disclosure received. - Due Diligence Vendor-08/06/2025 |  |  | xxxxxx ITP.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 843056 | xxxxxx | D B C A | Closed | xxxxxx | 2025-07-28 22:03 | 2025-08-06 04:42 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Client elects to waive with the following compensating factors - Due Diligence Vendor-08/06/2025 <br> Ready for Review-Document Uploaded. - Seller-08/05/2025 <br> Open-Guidelines do not allow entity to sign note Document Uploaded. Note was signed by borrower, xxxxxx xxxxxx on behalf of business entity, xxxxxx. Provide exception - Due Diligence Vendor-07/29/2025 | Ready for Review-Document Uploaded. - Seller-08/05/2025 | Waived-Client elects to waive with the following compensating factors - Due Diligence Vendor-08/06/2025 | Credit Score - Loan File 785. GL Requirement Min 700<br> Reserves- Loan File 16.77 months, GL Requirement Min 2 months<br> Personal Guaranty with full recourse executed by borrower present in file | Credit Score - Loan File 785. GL Requirement Min 700<br> Reserves- Loan File 16.77 months, GL Requirement Min 2 months<br> Personal Guaranty with full recourse executed by borrower present in file | Loan xxxxxx- Note signed by borrower on behalf of Business Entity.png<br> xxxxxx Exc.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 843056 | xxxxxx | D B C A | Closed | xxxxxx | 2025-08-04 10:36 | 2025-08-06 04:39 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Resolved. Confirmation of Rate Lock received - Due Diligence Vendor-08/06/2025 <br> Ready for Review-Document Uploaded. - Seller-08/05/2025 <br> Open-Provide Confirmation of Rate Lock - Due Diligence Vendor-08/04/2025 | Ready for Review-Document Uploaded. - Seller-08/05/2025 | Resolved-Resolved. Confirmation of Rate Lock received - Due Diligence Vendor-08/06/2025 |  |  | xxxxxx.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 842657 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 842966 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 843828 | xxxxxx | D B A | Closed | xxxxxx | 2025-07-30 02:09 | 2025-09-15 09:58 | Cured | 2 - Non-Material C B | Compliance | xxxxxx | xxxxxx Fee Not Allowed- Document Preparation Fee (Fee ID: 104) | Cured-Received LOE, PCCD, copy of check and proof of delivery. - Due Diligence Vendor-08/15/2025 <br> Resolved- - Due Diligence Vendor-08/05/2025 <br> Resolved- - Due Diligence Vendor-08/05/2025 <br> Ready for Review-Document Uploaded. PCCD with updated "Discharge of Mortgage prep" fee, as shown on their Final Settlement statement, attached - Seller-08/04/2025 <br> Open- - Due Diligence Vendor-08/04/2025 <br> Open-Section 3:1-16.2 of the xxxxxx Mortgage Loans, Fees, Obligations Provisions (xxxxxx. 3:1-16.2) does not allow Document Preparation Fee (Fee ID: 104) to be charged to the Borrower in xxxxxx. - Due Diligence Vendor-07/30/2025 <br> Open- - Due Diligence Vendor-07/30/2025 | Ready for Review-Document Uploaded. PCCD with updated "Discharge of Mortgage prep" fee, as shown on their Final Settlement statement, attached - Seller-08/04/2025 | Cured-Received LOE, PCCD, copy of check and proof of delivery. - Due Diligence Vendor-08/15/2025 <br> Resolved- - Due Diligence Vendor-08/05/2025 |  |  | xxxxxx Final Settlement Statement.pdf<br> Loan_xxxxxx_POSTCLOSE_xxxxxx t17_22_22.611Z.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 843828 | xxxxxx | D B A | Closed | xxxxxx | 2025-07-30 02:09 | 2025-08-05 06:52 | Resolved | 1 - Information C A | Compliance | Rescission:Variance | Federal - Right of Rescission Variance Failure (TILA) | Resolved-received corrected nortc- resolved - Due Diligence Vendor-08/05/2025 <br> Ready for Review-Document Uploaded. Corrected NRTC xxxxxx - Seller-08/04/2025 <br> Open- - Due Diligence Vendor-08/04/2025 <br> Open-The disclosed "Right to Cancel Expire Date" (xxxxxx) is earlier than the system calculated "Right to Cancel Expire Date" (xxxxxx). Under Regulation Z, funds may not be disbursed to the borrower until the expiration of the rescission period. (12 CFR 1026.23(c) and Official Staff Commentary) - Due Diligence Vendor-07/30/2025 <br> Open- - Due Diligence Vendor-07/30/2025 | Ready for Review-Document Uploaded. Corrected NRTC xxxxxx - Seller-08/04/2025 | Resolved-received corrected nortc- resolved - Due Diligence Vendor-08/05/2025 |  |  | xxxxxx NRTC xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 843828 | xxxxxx | D B A | Closed | xxxxxx | 2025-07-30 03:00 | 2025-08-05 02:11 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Updated executed Final Closing Disclosure uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-08/05/2025 <br> Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-08/05/2025 <br> Ready for Review-Document Uploaded. Final CD xxxxxx - Seller-08/04/2025 <br> Open-TRID: Missing Final Closing Disclosure Borrower not signed to the final CD (Only Non-borrower is signed).<br> - Due Diligence Vendor-07/30/2025 | Ready for Review-Document Uploaded. Final CD xxxxxx - Seller-08/04/2025 | Resolved-Updated executed Final Closing Disclosure uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-08/05/2025 <br> Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-08/05/2025 |  |  | xxxxxx Final CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 844227 | xxxxxx | C A | Closed | xxxxxx | 2025-08-04 08:08 | 2025-08-07 09:10 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-08/07/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-08/07/2025 <br> Open-Fraud Report Shows Uncleared Alerts • The xxxxxx Alerts Summary document shows a total of 8 High alerts, only 7 of which were cleared. Please provide the documentation that shows all alerts were reviewed & cleared. - Due Diligence Vendor-08/04/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-08/07/2025 | Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-08/07/2025 |  |  | Cleared Alerts.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 842493 | xxxxxx | C B A | Closed | xxxxxx | 2025-08-10 22:58 | 2025-08-18 10:46 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-the client elects to waive with the following compensating factors - Due Diligence Vendor-08/18/2025 <br> Ready for Review-Document Uploaded. - Seller-08/15/2025 <br> Open-Guidelines do not allow entity to sign note Guidelines will allow entity to sign note - Due Diligence Vendor-08/11/2025 | Ready for Review-Document Uploaded. - Seller-08/15/2025 | Waived-the client elects to waive with the following compensating factors - Due Diligence Vendor-08/18/2025 | DSCR is 1.252. Minimum required per guidelines is 1.<br> Credit Score is 808. Minimum required per guidelines is 700.<br> Personal Guaranty | DSCR is 1.252. Minimum required per guidelines is 1.<br> Credit Score is 808. Minimum required per guidelines is 700.<br> Personal Guaranty | xxxxxx Exception.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 843979 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA |  |  |  |
| 844054 | xxxxxx | D A | Closed | xxxxxx | 2025-08-07 04:21 | 2025-08-18 06:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-08/18/2025 <br> Ready for Review-Document Uploaded. Final HUD, Final CD & FPL to match - Seller-08/15/2025 <br> Counter-CD is not lining up with payment letter shows amount of xxxxxx total on the first payment letter compared to what CD is showing - Due Diligence Vendor-08/14/2025 <br> Ready for Review-Document Uploaded. Final CD - Seller-08/12/2025 <br> Open-Hazard Insurance Policy Partially Provided As per the Final CD on page#250 Homeowner's insurance Premium amount showing as xxxxxx but HOI Document on page#434 Hazard Insurance Premium showing as xxxxxx. Provide updated HOI Document with Premium amount of xxxxxx. - Due Diligence Vendor-08/07/2025 | Ready for Review-Document Uploaded. Final HUD, Final CD & FPL to match - Seller-08/15/2025 <br> Ready for Review-Document Uploaded. Final CD - Seller-08/12/2025 | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-08/18/2025 |  |  | Final CD.pdf<br> Final SS.pdf<br> First Payment Letter.pdf<br> Final CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844054 | xxxxxx | D A | Closed | xxxxxx | 2025-08-07 01:10 | 2025-08-08 04:09 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation or Additional Valuation (xxxxxx SSR) provided. - Due Diligence Vendor-08/08/2025 <br> Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-08/08/2025 <br> Ready for Review-Document Uploaded. xxxxxx SSR - Seller-08/07/2025 <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 Per the Guideline version 04/02/2025 on page#71, 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 xxxxxx or xxxxxx UCDP/SSR report with a score less than 2.5, or the file needs an Appraisal Desk Review.<br> - Due Diligence Vendor-08/07/2025 | Ready for Review-Document Uploaded. xxxxxx SSR - Seller-08/07/2025 | Resolved-Secondary Valuation or Additional Valuation (xxxxxx SSR) provided. - Due Diligence Vendor-08/08/2025 <br> Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-08/08/2025 |  |  | xxxxxx xxxxxx SSR.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844054 | xxxxxx | D A | Closed | xxxxxx | 2025-08-07 02:16 | 2025-08-07 02:18 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (8.61%) APR equals or exceeds the Federal HPML threshold of (8.17%). 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 (6.67%).(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#'s468 and the Final Closing disclosure on Pg#'s249, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s508,496,240. An interior and exterior appraisal was completed for this property – see pg#'s46, the appraisal disclosure was provided to the borrower(s)- see Pg#'s41.42. and confirmation the appraisal was delivered to the borrower – see Pg#'318. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-08/07/2025 <br> Open- - Due Diligence Vendor-08/07/2025 |  | Resolved-The loan's (8.61%) APR equals or exceeds the Federal HPML threshold of (8.17%). 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 (6.67%).(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#'s468 and the Final Closing disclosure on Pg#'s249, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s508,496,240. An interior and exterior appraisal was completed for this property – see pg#'s46, the appraisal disclosure was provided to the borrower(s)- see Pg#'s41.42. and confirmation the appraisal was delivered to the borrower – see Pg#'318. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-08/07/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843410 | xxxxxx | D B C A | Closed | xxxxxx | 2025-08-13 14:00 | 2025-08-18 11:03 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-08/18/2025 <br> Ready for Review-Document Uploaded. - Seller-08/17/2025 <br> Open-Evidence of Rate Lock Missing Provide the rate lock document - Due Diligence Vendor-08/13/2025 | Ready for Review-Document Uploaded. - Seller-08/17/2025 | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-08/18/2025 |  |  | xxxxxx Lock.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 843410 | xxxxxx | D B C A | Closed | xxxxxx | 2025-08-11 00:00 | 2025-08-18 11:02 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-The client agrees to waive with the following compensating factors - Due Diligence Vendor-08/18/2025 <br> Ready for Review-Exception Provided. - Due Diligence Vendor-08/18/2025 <br> Ready for Review-Document Uploaded. - Seller-08/17/2025 <br> Open-Guidelines do not allow entity to sign note Note and DOT is signed with Business Entity. - Due Diligence Vendor-08/11/2025 | Ready for Review-Document Uploaded. - Seller-08/17/2025 | Waived-The client agrees to waive with the following compensating factors - Due Diligence Vendor-08/18/2025 | DSCR is 1.269. Minimum required per guidelines is 1.<br> Credit Score is 757. Minimum required per guidelines is 700.<br> Personal Guaranty. | DSCR is 1.269. Minimum required per guidelines is 1.<br> Credit Score is 757. Minimum required per guidelines is 700.<br> Personal Guaranty. | xxxxxx Exception.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | Yes | xxxxxx |
| 844569 | xxxxxx | D B C A | Closed | xxxxxx | 2025-08-23 06:15 | 2025-09-02 22:52 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (xxxxxx) | Resolved-RESOLVED VIA COMPLIANCE TESTING - Due Diligence Vendor-09/03/2025 <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: Wire Transfer 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-08/23/2025 |  | Resolved-RESOLVED VIA COMPLIANCE TESTING - Due Diligence Vendor-09/03/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 844569 | xxxxxx | D B C A | Closed | xxxxxx | 2025-08-14 04:51 | 2025-09-02 22:51 | Resolved | 1 - Information C A | Compliance | Interest:Accrual | xxxxxx - Interest Rate Accrual Warning (Civ. Code) | Resolved-updated docs resolved - Due Diligence Vendor-09/03/2025 <br> Resolved- - Due Diligence Vendor-08/21/2025 <br> Ready for Review-Document Uploaded. $413.16 cure check, lox, PCCD & tracking - Seller-08/20/2025 <br> Open- - Due Diligence Vendor-08/14/2025 <br> Open- - Due Diligence Vendor-08/14/2025 <br> Open-Under the xxxxxx Civil Code, a Lender may not begin to accrue interest on a loan secured by xxxxxx unit dwelling on real property located in xxxxxx prior to one day before the loan proceeds are disbursed to the Borrower or to the Borrower's designee. (xxxxxx. Civ. Code 2948.5) - Due Diligence Vendor-08/14/2025 <br> Open- - Due Diligence Vendor-08/14/2025 | Ready for Review-Document Uploaded. $413.16 cure check, lox, PCCD & tracking - Seller-08/20/2025 | Resolved-updated docs resolved - Due Diligence Vendor-09/03/2025 |  |  | xxxxxx $413.16 cure check, lox, PCCD & tracking.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 844569 | xxxxxx | D B C A | Closed | xxxxxx | 2025-08-14 05:09 | 2025-09-02 22:51 | Cured | 2 - Non-Material C B | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Cured-$413.16 cure check, lox, PCCD & tracking - Due Diligence Vendor-09/03/2025 <br> Resolved- - Due Diligence Vendor-08/21/2025 <br> Ready for Review- $413.16 cure check, lox, PCCD & tracking - Seller-08/20/2025 <br> Open-The loan disbursement date (xxxxxx) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (xxxxxx). 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) Loan Disbursement Date as per Final CD on page#225 Date xxxxxx and Right to Recession on page#471 Right to Cancel date is xxxxxx. Right to Cancel date after Disbursement Date. - Due Diligence Vendor-08/14/2025 <br> Open- - Due Diligence Vendor-08/14/2025 | Ready for Review- $413.16 cure check, lox, PCCD & tracking - Seller-08/20/2025 | Cured-$413.16 cure check, lox, PCCD & tracking - Due Diligence Vendor-09/03/2025 |  |  | xxxxxx $413.16 cure check, lox, PCCD & tracking.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 844569 | xxxxxx | D B C A | Closed | xxxxxx | 2025-08-21 06:42 | 2025-08-26 07:08 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (xxxxxx) | Resolved-Resolved - Due Diligence Vendor-08/26/2025 <br> Ready for Review-Please clear this condition with the COC provided on xxxxxx, or updated the comments with what is being requested - Seller-08/25/2025 <br> Ready for Review-Document Uploaded. CD was issued on xxxxxx for a Lock extension that lowered the Lender's Credit - Seller-08/21/2025 <br> Open-need COC for the change in lender credit went from xxxxxx to xxxxxx from final CD to post CD. - Due Diligence Vendor-08/21/2025 <br> Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is (xxxxxx). The Last CD shows a total lender credit amount of (xxxxxx). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). - Due Diligence Vendor-08/21/2025 <br> Open- - Due Diligence Vendor-08/21/2025 | Ready for Review-Please clear this condition with the COC provided on xxxxxx, or updated the comments with what is being requested - Seller-08/25/2025 <br> Ready for Review-Document Uploaded. CD was issued on xxxxxx for a Lock extension that lowered the Lender's Credit - Seller-08/21/2025 | Resolved-Resolved - Due Diligence Vendor-08/26/2025 |  |  | Revised CD xxxxxx for xxxxxx.pdf<br> COC for xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 844569 | xxxxxx | D B C A | Closed | xxxxxx | 2025-08-14 05:16 | 2025-08-21 06:49 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Right of Rescission | Resolved-Received updated PCD updated all clear - Due Diligence Vendor-08/21/2025 <br> Ready for Review- $413.16 cure check, lox, PCCD & tracking - Seller-08/20/2025 <br> Open-Right of Rescission is Missing Loan Disbursement Date as per Final CD on page#225 Date xxxxxx and Right to Recession on page#471 Right to Cancel date is xxxxxx. Right to Cancel date is after Disbursement Date. - Due Diligence Vendor-08/14/2025 | Ready for Review- $413.16 cure check, lox, PCCD & tracking - Seller-08/20/2025 | Resolved-Received updated PCD updated all clear - Due Diligence Vendor-08/21/2025 |  |  | xxxxxx $413.16 cure check, lox, PCCD & tracking.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 844569 | xxxxxx | D B C A | Closed | xxxxxx | 2025-08-14 05:20 | 2025-08-20 03:18 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-As per Mortgage Statement & Credit report able to verify 12 months housing history for Previous address. Housing History Meets Guideline Requirements<br> - Due Diligence Vendor-08/20/2025 <br> Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-08/20/2025 <br> Ready for Review-Document Uploaded. VOR – 10 months on credit and then a paid in full letter in file - Seller-08/19/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Per the guideline Version 08/08/2025 on page#27, the borrower is required to have a 12 months housing history. Primary Mortgage or Rent Months updated as 0. Unable to verify the Borrowers 12 Primary months, Provide the 12 months Primary months history of Borrower to meet GL Requirements. - Due Diligence Vendor-08/14/2025 | Ready for Review-Document Uploaded. VOR – 10 months on credit and then a paid in full letter in file - Seller-08/19/2025 | Resolved-As per Mortgage Statement & Credit report able to verify 12 months housing history for Previous address. Housing History Meets Guideline Requirements<br> - Due Diligence Vendor-08/20/2025 <br> Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-08/20/2025 |  |  | xxxxxx VOR.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 844569 | xxxxxx | D B C A | Closed | xxxxxx | 2025-08-14 04:12 | 2025-08-20 01:47 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Provided Fraud shows All Fraud Report Alerts have been cleared or None Exist.<br> - Due Diligence Vendor-08/20/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-08/20/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-08/19/2025 <br> Open-Fraud Report Shows Uncleared Alerts Per the guideline Version 08/08/2025 on page#26 a clear fraud report is required. The fraud report in file pg#367 is showing a High alert. The required cleared report is missing.<br> - Due Diligence Vendor-08/14/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-08/19/2025 | Resolved-Provided Fraud shows All Fraud Report Alerts have been cleared or None Exist.<br> - Due Diligence Vendor-08/20/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-08/20/2025 |  |  | Cleared Alerts.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 844569 | xxxxxx | D B C A | Closed | xxxxxx | 2025-08-15 08:40 | 2025-08-18 06:55 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of xxxxxx is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-08/18/2025 <br> Ready for Review-Document Uploaded. Title Policy - Seller-08/15/2025 <br> Open-Title Coverage Amount of $0 is Less than Loan Amount - Due Diligence Vendor-08/15/2025 | Ready for Review-Document Uploaded. Title Policy - Seller-08/15/2025 | Resolved-Title Coverage Amount of xxxxxx is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-08/18/2025 |  |  | LT xxxxxx Loan Policy.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 846911 | xxxxxx | C B A | Closed | xxxxxx | 2025-08-14 11:36 | 2025-08-20 09:16 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-The client elects to waive with the following compensating factors. - Due Diligence Vendor-08/20/2025 <br> Ready for Review-xxxxxx approves exception. Ok to proceed. - Seller-08/19/2025 <br> Open-Loan does not conform to program guidelines Exception Provided page No#476, Exception Request is:- "Contract for Deed on Investment Property " - Due Diligence Vendor-08/14/2025 | Ready for Review-xxxxxx approves exception. Ok to proceed. - Seller-08/19/2025 | Waived-The client elects to waive with the following compensating factors. - Due Diligence Vendor-08/20/2025 | DTI is 6.92%. Maximum allowed per guidelines is 50%.<br> LTV is 62.21%. Maximum allowed per guidelines is 80%.<br> Residual Income is $68300.55. Minimum Residual Income required per guidelines is $2500.  | DTI is 6.92%. Maximum allowed per guidelines is 50%.<br> LTV is 62.21%. Maximum allowed per guidelines is 80%.<br> Residual Income is $68300.55. Minimum Residual Income required per guidelines is $2500.  |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 844980 | xxxxxx | A | Closed | xxxxxx | 2025-08-15 03:50 | 2025-08-20 06:05 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (8.728%) APR equals or exceeds the Federal HPML threshold of (8.29%). 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 (6.79%).(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 # 298 and the Final Closing disclosure on page # 125-129 reflects escrows. Rate lock on page # 323-324. An interior and exterior appraisal was completed for this property – see page # 37-69 and the appraisal disclosure was provided to the borrower(s)- see page # 34, 35, 36 and confirmation the appraisal was delivered to the borrower(s) is - see page # 34, 35, 36. The loan meets HPML guidelines. - Due Diligence Vendor-08/15/2025 <br> Open- - Due Diligence Vendor-08/20/2025 <br> Open- - Due Diligence Vendor-08/19/2025 <br> Open- - Due Diligence Vendor-08/19/2025 <br> Open- - Due Diligence Vendor-08/15/2025 |  | Resolved-The loan's (8.728%) APR equals or exceeds the Federal HPML threshold of (8.29%). 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 (6.79%).(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 # 298 and the Final Closing disclosure on page # 125-129 reflects escrows. Rate lock on page # 323-324. An interior and exterior appraisal was completed for this property – see page # 37-69 and the appraisal disclosure was provided to the borrower(s)- see page # 34, 35, 36 and confirmation the appraisal was delivered to the borrower(s) is - see page # 34, 35, 36. The loan meets HPML guidelines. - Due Diligence Vendor-08/15/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 844565 | xxxxxx | D A C | Closed | xxxxxx | 2025-08-18 11:19 | 2025-08-19 12:59 | Resolved | 1 - Information C A | Credit | Credit | Deficient title documentation and/or endorsements | Resolved-Document received. - Due Diligence Vendor-08/19/2025 <br> Ready for Review-Document Uploaded. Warranty Deed - Seller-08/19/2025 <br> Open-• The Limited Warranty Deed in file for the transfer of ownership from xxxxxx to xxxxxx (borrower) is unexecuted. - Due Diligence Vendor-08/18/2025 | Ready for Review-Document Uploaded. Warranty Deed - Seller-08/19/2025 | Resolved-Document received. - Due Diligence Vendor-08/19/2025 |  |  | xxxxxx RECD WD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 844565 | xxxxxx | D A C | Closed | xxxxxx | 2025-08-15 07:57 | 2025-08-19 12:59 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-Corrected 1003/1008 received. Lender's new DTI now matches the Audit's. Issue resolved. DTI is 30.6925%. - Due Diligence Vendor-08/19/2025 <br> Ready for Review-Document Uploaded. Updated 1003 & 1008 - Seller-08/19/2025 <br> Open-• DTI discrepancy on the loan. The debts on the Credit Report provided dated 5/05/2025 do not match the debts on the Final 1003/1008. Additionally, the xxxxxx REO properties on the Final 1003 (sections 3b & 3c) do not appear to be captured in the DTI calculation. - Due Diligence Vendor-08/15/2025 | Ready for Review-Document Uploaded. Updated 1003 & 1008 - Seller-08/19/2025 | Resolved-Corrected 1003/1008 received. Lender's new DTI now matches the Audit's. Issue resolved. DTI is 30.6925%. - Due Diligence Vendor-08/19/2025 |  |  | 1003.1008.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 844565 | xxxxxx | D A C | Closed | xxxxxx | 2025-08-15 05:50 | 2025-08-19 12:54 | 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-08/19/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-08/19/2025 <br> Open-Fraud Report Shows Uncleared Alerts • The xxxxxx 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-08/15/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-08/19/2025 | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-08/19/2025 |  |  | Cleared Alerts.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 844565 | xxxxxx | D A C | Closed | xxxxxx | 2025-08-15 08:24 | 2025-08-18 13:35 | Resolved | 1 - Information D A | Compliance | Missing Doc | Other Rider is Missing | Resolved-xxxxxx Acknowledgement of Borrower Rights Rider was provided. - Due Diligence Vendor-08/18/2025 <br> Ready for Review-Document Uploaded. xxxxxx Acknowledgment Rider - Seller-08/18/2025 <br> Open-• xxxxxx Acknowledgement of Borrower Rights Rider (as shown marked on the Security Deed Mortgage) is missing from file. - Due Diligence Vendor-08/15/2025 | Ready for Review-Document Uploaded. xxxxxx Acknowledgment Rider - Seller-08/18/2025 | Resolved-xxxxxx Acknowledgement of Borrower Rights Rider was provided. - Due Diligence Vendor-08/18/2025 |  |  | xxxxxx Security Instrument Rider.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 845507 | xxxxxx | D A | Closed | xxxxxx | 2025-08-14 23:50 | 2025-08-21 04:54 | Resolved | 1 - Information C A | Credit | Assets | Asset General | Resolved-Proof of EMD Receipts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-08/21/2025 <br> Ready for Review-Document Uploaded. EMD Receipts - Seller-08/20/2025 <br> Open-Provide proof of document for EMD amount of $26,580 per final 1003, final CD as it is missing from file. - Due Diligence Vendor-08/15/2025 | Ready for Review-Document Uploaded. EMD Receipts - Seller-08/20/2025 | Resolved-Proof of EMD Receipts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-08/21/2025 |  |  | EMD Receipts.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845507 | xxxxxx | D A | Closed | xxxxxx | 2025-08-14 23:31 | 2025-08-21 04:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower 2 Gap Credit Report uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-08/21/2025 <br> Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-08/21/2025 <br> Ready for Review-Document Uploaded. Gap Credit - Seller-08/20/2025 <br> Open-Borrower 2 Gap Credit Report is Missing Provide B2 GAP credit report as it is missing from file. - Due Diligence Vendor-08/15/2025 | Ready for Review-Document Uploaded. Gap Credit - Seller-08/20/2025 | Resolved-Borrower 2 Gap Credit Report uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-08/21/2025 <br> Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-08/21/2025 |  |  | GAP Credit.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845507 | xxxxxx | D A | Closed | xxxxxx | 2025-08-14 23:31 | 2025-08-21 04:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-08/21/2025 <br> Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-08/21/2025 <br> Ready for Review-Document Uploaded. Gap Credit - Seller-08/20/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Provide B1 GAP credit report as it is missing from file. - Due Diligence Vendor-08/15/2025 | Ready for Review-Document Uploaded. Gap Credit - Seller-08/20/2025 | Resolved-Borrower 1 Gap Credit Report uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-08/21/2025 <br> Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-08/21/2025 |  |  | GAP Credit.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845507 | xxxxxx | D A | Closed | xxxxxx | 2025-08-14 23:54 | 2025-08-20 02:16 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Provided Fraud shows All Fraud Report Alerts have been cleared or None Exist.<br> - Due Diligence Vendor-08/20/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-08/20/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-08/19/2025 <br> Open-Fraud Report Shows Uncleared Alerts Per the guideline 08.06.2025 page # 26 a clear fraud report is required. The fraud report in file (page # 545) is showing 2 high uncleared alerts. The required cleared report is missing. - Due Diligence Vendor-08/15/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-08/19/2025 | Resolved-Provided Fraud shows All Fraud Report Alerts have been cleared or None Exist.<br> - Due Diligence Vendor-08/20/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-08/20/2025 |  |  | Cleared Alerts.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846108 | xxxxxx | D A C | Closed | xxxxxx | 2025-08-19 22:49 | 2025-08-22 11:46 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-New Hazard Insurance Effective Date of xxxxxx is prior to or equal to the Note Date of xxxxxx. System updated. - Due Diligence Vendor-08/22/2025 <br> Ready for Review-Document Uploaded. Updated Insurance - Seller-08/22/2025 <br> Open-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx • Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx and Disbursement Date of xxxxxx. - Due Diligence Vendor-08/20/2025 | Ready for Review-Document Uploaded. Updated Insurance - Seller-08/22/2025 | Resolved-New Hazard Insurance Effective Date of xxxxxx is prior to or equal to the Note Date of xxxxxx. System updated. - Due Diligence Vendor-08/22/2025 |  |  | Property Insurance Policy.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846108 | xxxxxx | D A C | Closed | xxxxxx | 2025-08-19 22:43 | 2025-08-20 12:57 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-xxxxxx UCDP/SSR received with an LCA score of 2.5 and is R&W eligible. System updated. - Due Diligence Vendor-08/20/2025 <br> Ready for Review-Document Uploaded. xxxxxx SSR - Seller-08/20/2025 <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 • Secondary Valuation or Additional Valuation for securitization purposes is missing. File needs a xxxxxx or xxxxxx UCDP/SSR report with a score less than 2.5, or the file needs an Appraisal Desk Review. - Due Diligence Vendor-08/20/2025 | Ready for Review-Document Uploaded. xxxxxx SSR - Seller-08/20/2025 | Resolved-xxxxxx UCDP/SSR received with an LCA score of 2.5 and is R&W eligible. System updated. - Due Diligence Vendor-08/20/2025 |  |  | xxxxxx xxxxxx SSR.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846648 | xxxxxx | C A | Closed | xxxxxx | 2025-08-19 06:34 | 2025-08-22 01:45 | 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-08/22/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-08/22/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-08/21/2025 <br> Open-Fraud Report Shows Uncleared Alerts Per the guideline Version 08/08/2025 on page#26 a clear fraud report is required. The fraud report in file pg#357 shows uncleared alerts, Provide updated fraud report.<br> - Due Diligence Vendor-08/19/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-08/21/2025 | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-08/22/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-08/22/2025 |  |  | Cleared Alerts.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 843939 | xxxxxx | D A C | Closed | xxxxxx | 2025-08-21 07:48 | 2025-08-27 01:48 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Updated 1003, 1008 & lender worksheet now shows 50% ownership for B1 & 50% ownership for B2. Updated & Resolved. - Due Diligence Vendor-08/27/2025 <br> Ready for Review-Document Uploaded. Income Worksheet with updated 1003/1008 - Seller-08/26/2025 <br> Open-Per CPA letter on page #208, B1 & B2 each own 50% of the business. However, final 1003, 1008, self-employment business narrative, lender worksheet considered B1 ownership as 100% and total qualifying income provided for B1 alone. - Due Diligence Vendor-08/21/2025 | Ready for Review-Document Uploaded. Income Worksheet with updated 1003/1008 - Seller-08/26/2025 | Resolved-Updated 1003, 1008 & lender worksheet now shows 50% ownership for B1 & 50% ownership for B2. Updated & Resolved. - Due Diligence Vendor-08/27/2025 |  |  | Income Calculation Worksheet.pdf<br> Underwriting Transmittal.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843939 | xxxxxx | D A C | Closed | xxxxxx | 2025-08-21 06:27 | 2025-08-26 05:22 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated fraud report provided. Resolved - Due Diligence Vendor-08/26/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-08/25/2025 <br> Open-Fraud Report Shows Uncleared Alerts Per the guideline 08.06.2025 page # 26 a clear fraud report is required. The fraud report in file (page # 500) is showing 1 high uncleared alert. The required cleared report is missing. - Due Diligence Vendor-08/21/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-08/25/2025 | Resolved-Updated fraud report provided. Resolved - Due Diligence Vendor-08/26/2025 |  |  | Cleared Alerts.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843939 | xxxxxx | D A C | Closed | xxxxxx | 2025-08-21 06:06 | 2025-08-22 02:50 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Document Uploaded. Requested Secondary Valuation with LCA score of 2.5 Provided, Updated & Condition Resolved. - Due Diligence Vendor-08/22/2025 <br> Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-08/22/2025 <br> Ready for Review-Document Uploaded. xxxxxx SSR - Seller-08/21/2025 <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 The loan requires a secondary valuation or a UCDP report with a 2.5 or less from CU and/or LCA or an appraisal desk review.<br> - Due Diligence Vendor-08/21/2025 | Ready for Review-Document Uploaded. xxxxxx SSR - Seller-08/21/2025 | Resolved-Document Uploaded. Requested Secondary Valuation with LCA score of 2.5 Provided, Updated & Condition Resolved. - Due Diligence Vendor-08/22/2025 <br> Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-08/22/2025 |  |  | xxxxxx xxxxxx SSR.pdf<br> image.png | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845870 | xxxxxx | D A | Closed | xxxxxx | 2025-08-22 05:38 | 2025-08-28 11:57 | Resolved | 1 - Information C A | Credit | Assets | Asset 11 Does Not Meet Guideline Requirements | Resolved-Asset 11 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-08/28/2025 <br> Resolved-Gift Funds wire receipts provided. - Due Diligence Vendor-08/26/2025 <br> Ready for Review-Document Uploaded. Gift Funds - Seller-08/26/2025 <br> Open-Asset 11 Does Not Meet Guideline Requirements • File is missing the wire receipt or other verification of the receipt of the $18,000 gift funds from the Father. - Due Diligence Vendor-08/22/2025 | Ready for Review-Document Uploaded. Gift Funds - Seller-08/26/2025 | Resolved-Asset 11 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-08/28/2025 <br> Resolved-Gift Funds wire receipts provided. - Due Diligence Vendor-08/26/2025 |  |  | Gift Funds.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845870 | xxxxxx | D A | Closed | xxxxxx | 2025-08-22 05:38 | 2025-08-28 11:57 | Resolved | 1 - Information C A | Credit | Assets | Asset 12 Does Not Meet Guideline Requirements | Resolved-Asset 12 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-08/28/2025 <br> Resolved-Gift Funds wire receipts provided. - Due Diligence Vendor-08/26/2025 <br> Ready for Review-Document Uploaded. Gift Funds - Seller-08/26/2025 <br> Open-Asset 12 Does Not Meet Guideline Requirements • File is missing the wire receipt or other verification of the receipt of the $17,000 gift funds from the Mother. - Due Diligence Vendor-08/22/2025 | Ready for Review-Document Uploaded. Gift Funds - Seller-08/26/2025 | Resolved-Asset 12 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-08/28/2025 <br> Resolved-Gift Funds wire receipts provided. - Due Diligence Vendor-08/26/2025 |  |  | Gift Funds.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845870 | xxxxxx | D A | Closed | xxxxxx | 2025-08-22 04:48 | 2025-08-28 11:50 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Correct 1008 received. Issue resolved. - Due Diligence Vendor-08/28/2025 <br> Ready for Review-Document Uploaded. Updated 1008 - Seller-08/28/2025 <br> Counter-There was no change to the 1008. Borrower 1's monthly income was $7,460.41. Therefore, $7,460.41 (B1) + $6,158.19 (B2) = $13,618.60 (Total). - Due Diligence Vendor-08/26/2025 <br> Ready for Review-Document Uploaded. 1008 - Seller-08/26/2025 <br> Open-The 1008 document is missing from the loan file. • Per the 1008 provided, income is $8,747.99 + $6,158.19 = $13,618.60. This does not mathematically add up. Per the Final 1003, income is $7,460.41 B1 + $6,158.19 for B2 = $13,618.60, which does add up. - Due Diligence Vendor-08/22/2025 | Ready for Review-Document Uploaded. Updated 1008 - Seller-08/28/2025 <br> Ready for Review-Document Uploaded. 1008 - Seller-08/26/2025 | Resolved-Correct 1008 received. Issue resolved. - Due Diligence Vendor-08/28/2025 |  |  | 1008.pdf<br> 1008.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845870 | xxxxxx | D A | Closed | xxxxxx | 2025-08-22 03:57 | 2025-08-27 05:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Rent History (Transaction ledger) provided. - Due Diligence Vendor-08/27/2025 <br> Ready for Review-Document Uploaded. VOR - Seller-08/27/2025 <br> Counter-No document was provided. - Due Diligence Vendor-08/26/2025 <br> Ready for Review-VOR - Seller-08/26/2025 <br> Open-VOR/VOM Doc Status should not be 'Missing'. • Per the Final 1003, it's stated that the borrowers have rented their current primary residence of 4 years at an amount of $2,800 per month. A VOR or other verification of timely rent payments is missing from the file. - Due Diligence Vendor-08/22/2025 | Ready for Review-Document Uploaded. VOR - Seller-08/27/2025 <br> Ready for Review-VOR - Seller-08/26/2025 | Resolved-Rent History (Transaction ledger) provided. - Due Diligence Vendor-08/27/2025 |  |  | VOR.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846095 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 845313 | xxxxxx | D A | Closed | xxxxxx | 2025-08-28 06:21 | 2025-09-05 03:46 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial Closing Disclosure document provided. - Due Diligence Vendor-09/05/2025 <br> Ready for Review-Document Uploaded. - Seller-09/04/2025 <br> Open-TRID: Missing Closing Disclosure initial CD is missing in the file. Provide initial CD - Due Diligence Vendor-08/28/2025 | Ready for Review-Document Uploaded. - Seller-09/04/2025 | Resolved-Initial Closing Disclosure document provided. - Due Diligence Vendor-09/05/2025 |  |  | xxxxxx CC.pdf<br> xxxxxx CD.pdf<br> xxxxxx LE CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 843096 | xxxxxx | A | Closed | xxxxxx | 2025-09-02 23:43 | 2025-09-08 13:43 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (8.997%) APR equals or exceeds the Federal HPML threshold of (8.13%). 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 (6.63%).(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 IEAD 255 and the Final Closing disclosure on Pg#64 s, Finding reflects escrows. Rate lock date was entered correctly – see Pg#281', An interior and exterior appraisal was completed for this property – see pg#22, the appraisal disclosure was provided to the borrower(s)- see Pg#342 's and confirmation the appraisal was delivered to the borrower – see Pg#'s 54. The loan meets HPML guidelines, - Due Diligence Vendor-09/03/2025 <br> Open- - Due Diligence Vendor-09/08/2025 <br> Open- - Due Diligence Vendor-09/03/2025 |  | Resolved-The loan's (8.997%) APR equals or exceeds the Federal HPML threshold of (8.13%). 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 (6.63%).(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 IEAD 255 and the Final Closing disclosure on Pg#64 s, Finding reflects escrows. Rate lock date was entered correctly – see Pg#281', An interior and exterior appraisal was completed for this property – see pg#22, the appraisal disclosure was provided to the borrower(s)- see Pg#342 's and confirmation the appraisal was delivered to the borrower – see Pg#'s 54. The loan meets HPML guidelines, - Due Diligence Vendor-09/03/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 845372 | xxxxxx | C A | Closed | xxxxxx | 2025-08-29 06:12 | 2025-09-08 16:01 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Fees: Limited | Resolved-the COC was provided. - Due Diligence Vendor-09/08/2025 <br> Resolved- - Due Diligence Vendor-09/08/2025 <br> Open-The total amount of the 10% category fees ($160.00) has increased by more than 10% over the current baseline value of ($80.00). The total amount of fees in the 10% category cannot exceed ($88.00). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). COC is required for increase in fees - Due Diligence Vendor-08/29/2025 <br> Open- - Due Diligence Vendor-09/02/2025 <br> Open- - Due Diligence Vendor-08/29/2025 <br> Open- - Due Diligence Vendor-08/29/2025 |  | Resolved-the COC was provided. - Due Diligence Vendor-09/08/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 845372 | xxxxxx | C A | Closed | xxxxxx | 2025-08-29 06:12 | 2025-09-08 15:48 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (xxxxxx) | Resolved- - Due Diligence Vendor-09/08/2025 <br> Resolved- - Due Diligence Vendor-09/08/2025 <br> Ready for Review-Document Uploaded. - Seller-09/04/2025 <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: Loan Origination Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). COC is required for increase in fees - Due Diligence Vendor-08/29/2025 <br> Open- - Due Diligence Vendor-09/02/2025 <br> Open- - Due Diligence Vendor-08/29/2025 <br> Open- - Due Diligence Vendor-08/29/2025 | Ready for Review-Document Uploaded. - Seller-09/04/2025 | Resolved- - Due Diligence Vendor-09/08/2025 |  |  | xxxxxx CC.pdf<br> xxxxxx CC.pdf<br> CC 2.pdf<br> xxxxxx CC xxxxxx.pdf<br> CC X.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 845372 | xxxxxx | C A | Closed | xxxxxx | 2025-08-29 06:12 | 2025-09-08 16:06 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(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 __243__ and the Final Closing disclosure on Pg#'s _83___ reflects escrows. Rate lock date was entered correctly – see Pg#'s _272____ An interior and exterior appraisal was completed for this property – see pg __25__ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_324__ , and copy of the appraisal was given to the borrower – see Pg#'s __78___ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-09/08/2025 <br> Open- - Due Diligence Vendor-09/08/2025 <br> Open- - Due Diligence Vendor-09/08/2025 <br> Open- - Due Diligence Vendor-09/08/2025 <br> Open-. - Due Diligence Vendor-09/08/2025 <br> Open- - Due Diligence Vendor-09/08/2025 <br> Resolved-The loan's (8.804%) APR equals or exceeds the Federal HPML threshold of (8.25%). 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 (6.75%).(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# 243 doc and the Final Closing disclosure on Pg# 83 reflects escrows. Rate lock date was entered correctly see Pg# 272 An interior and exterior appraisal was completed for this property – see Page# 25 the appraisal disclosure was provided to the borrower(s)- see Pg#324, and copy of the appraisal was given to the borrower see Pg# 78 for the copy of the disclosure. The loan meets HPML guidelines" <br> - Due Diligence Vendor-08/29/2025 <br> Open- - Due Diligence Vendor-09/02/2025 <br> Open- - Due Diligence Vendor-08/29/2025 <br> Open- - Due Diligence Vendor-08/29/2025 |  | 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 __243__ and the Final Closing disclosure on Pg#'s _83___ reflects escrows. Rate lock date was entered correctly – see Pg#'s _272____ An interior and exterior appraisal was completed for this property – see pg __25__ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s_324__ , and copy of the appraisal was given to the borrower – see Pg#'s __78___ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-09/08/2025 <br> Resolved-The loan's (8.804%) APR equals or exceeds the Federal HPML threshold of (8.25%). 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 (6.75%).(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# 243 doc and the Final Closing disclosure on Pg# 83 reflects escrows. Rate lock date was entered correctly see Pg# 272 An interior and exterior appraisal was completed for this property – see Page# 25 the appraisal disclosure was provided to the borrower(s)- see Pg#324, and copy of the appraisal was given to the borrower see Pg# 78 for the copy of the disclosure. The loan meets HPML guidelines" <br> - Due Diligence Vendor-08/29/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 845346 | xxxxxx | D A | Closed | xxxxxx | 2025-08-26 15:43 | 2025-08-27 08:42 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-08/27/2025 <br> Ready for Review-Document Uploaded. - Seller-08/27/2025 <br> Open-Evidence of Rate Lock Missing - Due Diligence Vendor-08/26/2025 | Ready for Review-Document Uploaded. - Seller-08/27/2025 | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-08/27/2025 |  |  | xxxxxx lock.pdf | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | N/A | N/A | xxxxxx |
| 845327 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 845336 | xxxxxx | D A | Closed | xxxxxx | 2025-08-29 03:41 | 2025-10-17 11:02 | Resolved | 1 - Information C A | Compliance | xxxxxx | xxxxxx Fee Not Allowed- Municipal Lien Fee (Fee ID: 178) | Resolved-Initial CD provided and fee updated. - Due Diligence Vendor-10/17/2025 <br> Open-xxxxxx law does not allow Municipal Lien Fee (Fee ID: 178) to be charged to the Borrower in xxxxxx. - Due Diligence Vendor-08/29/2025 |  | Resolved-Initial CD provided and fee updated. - Due Diligence Vendor-10/17/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845336 | xxxxxx | D A | Closed | xxxxxx | 2025-08-22 07:06 | 2025-08-29 03:46 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial Closing Disclosure document provided. - Due Diligence Vendor-08/29/2025 <br> Ready for Review-Document Uploaded. - Seller-08/28/2025 <br> Open-TRID: Missing Closing Disclosure Initial CD missing in file, required to runt he xxxxxx. - Due Diligence Vendor-08/22/2025 | Ready for Review-Document Uploaded. - Seller-08/28/2025 | Resolved-Initial Closing Disclosure document provided. - Due Diligence Vendor-08/29/2025 |  |  | xxxxxx Tracking.pdf<br> xxxxxx CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843075 | xxxxxx | D B C A | Closed | xxxxxx | 2025-09-02 00:56 | 2025-10-17 09:29 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (xxxxxx) | Resolved-Initial closing disclosure and COC provided. - Due Diligence Vendor-10/17/2025 <br> Resolved- - Due Diligence Vendor-09/02/2025 <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: Broker Fees. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-09/02/2025 |  | Resolved-Initial closing disclosure and COC provided. - Due Diligence Vendor-10/17/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 843075 | xxxxxx | D B C A | Closed | xxxxxx | 2025-08-25 05:42 | 2025-09-02 10:49 | Waived | 2 - Non-Material C B | Credit | Assets | Asset General | Waived-The client elects to waive with the following compensating factors. - Due Diligence Vendor-09/02/2025 <br> Ready for Review-xxxxxx approves exception. Ok to proceed. - Seller-08/29/2025 <br> Open-Exception available in page no #219.<br> Allow the use of non liquid retirement funds for reserves only - Due Diligence Vendor-08/25/2025 | Ready for Review-xxxxxx approves exception. Ok to proceed. - Seller-08/29/2025 | Waived-The client elects to waive with the following compensating factors. - Due Diligence Vendor-09/02/2025 | Residual Income is $7,525.03. Minimum Residual Income required per guidelines is $1,500 <br> Tradelines exceed min as per file many dating back to xxxxxx and as per guideline no minimum<br> Job Stability as per file 17 yrs, per guideline requirement 2 years.<br> This is a 2nd chance program | Residual Income is $7,525.03. Minimum Residual Income required per guidelines is $1,500 <br> Tradelines exceed min as per file many dating back to xxxxxx and as per guideline no minimum<br> Job Stability as per file 17 yrs, per guideline requirement 2 years.<br> This is a 2nd chance program |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 843075 | xxxxxx | D B C A | Closed | xxxxxx | 2025-09-02 00:56 | 2025-09-02 01:04 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(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 184 and the Final Closing disclosure on Pg#'s 82, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 206. An interior and exterior appraisal was completed for this property – see pg 20, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 261, and confirmation the appraisal was delivered to the borrower – see Pg#'s 98-100. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-09/02/2025 <br> Open- - Due Diligence Vendor-09/02/2025 <br> Open-The loan's (8.357%) APR equals or exceeds the Federal HPML threshold of (8.17%). 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 (6.67%).(12 CFR 1026.35(a)(1)(i)) - Due Diligence Vendor-09/02/2025 |  | 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 184 and the Final Closing disclosure on Pg#'s 82, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 206. An interior and exterior appraisal was completed for this property – see pg 20, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 261, and confirmation the appraisal was delivered to the borrower – see Pg#'s 98-100. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-09/02/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 843075 | xxxxxx | D B C A | Closed | xxxxxx | 2025-08-24 22:46 | 2025-09-02 01:00 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial Closing Disclosure document provided. - Due Diligence Vendor-09/02/2025 <br> Ready for Review-Document Uploaded. - Seller-08/29/2025 <br> Open-TRID: Missing Closing Disclosure Initial Closing Disclosure is missing in file - Due Diligence Vendor-08/25/2025 | Ready for Review-Document Uploaded. - Seller-08/29/2025 | Resolved-Initial Closing Disclosure document provided. - Due Diligence Vendor-09/02/2025 |  |  | CCs.pdf<br> CDs.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 845312 | xxxxxx | B A | Closed | xxxxxx | 2025-08-26 14:47 | 2025-08-27 08:40 | Resolved | 1 - Information B A | Credit | Credit | Hazard Insurance Declaration Page does not show proper Lender Payable Endorsement | Resolved-Received the Home owners insurance policy showing the Lenders information displayed correctly - Due Diligence Vendor-08/27/2025 <br> Ready for Review-Document Uploaded. See page 1. - Seller-08/27/2025 <br> Open-Hazard Insurance Declaration Page does not show proper Lender Payable Endorsement the Homeowner insurance does not have the statement of ISAOA/ATIMA. Need an addendum adding this to the policy - Due Diligence Vendor-08/26/2025 | Ready for Review-Document Uploaded. See page 1. - Seller-08/27/2025 | Resolved-Received the Home owners insurance policy showing the Lenders information displayed correctly - Due Diligence Vendor-08/27/2025 |  |  | xxxxxx Insurance Docs.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846275 | xxxxxx | D A | Closed | xxxxxx | 2025-08-21 04:46 | 2025-08-26 13:07 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-The 1008 document was corrected. Lender's DTI of 43.750% matches that if the Audit's of 43.7532%. - Due Diligence Vendor-08/26/2025 <br> Ready for Review-Document Uploaded. Updated 1008 - Seller-08/26/2025 <br> Counter-Corrected 1008 received. The income piece was correct, but the expenses are still off. Per the Final 1003, expenses were: Primary Residence was $1,421.02 + Subject Mortgage 2nd Home was $3,900.13 + Credit Report debt of $3,451 = $8,772.15 total expenses. Unable to determine the lender's 39.090% DTI with Expenses of $8,772.15 ÷ Income of $20,049.18. - Due Diligence Vendor-08/22/2025 <br> Ready for Review-Document Uploaded. Updated 1008 - Seller-08/22/2025 <br> Open-• Income Discrepancy between 1003/1008. Per the 1008 provided, income was $17,737.61. Per the Final 1003, income was $20,049.18. Per the Asset Utilization Worksheet and Fraud Report, income was also $20,049.18. For DTI purposes on the Final 1003, Primary Residence was $1,421.02 + Subject 2nd Home Mortgage was $3,900.13 + Credit Report debt of $3,451 = $8,772.15 expenses. These differences caused a variation in DTI. - Due Diligence Vendor-08/21/2025 | Ready for Review-Document Uploaded. Updated 1008 - Seller-08/26/2025 <br> Ready for Review-Document Uploaded. Updated 1008 - Seller-08/22/2025 | Resolved-The 1008 document was corrected. Lender's DTI of 43.750% matches that if the Audit's of 43.7532%. - Due Diligence Vendor-08/26/2025 |  |  | 1008.pdf<br> 1008.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 846275 | xxxxxx | D A | Closed | xxxxxx | 2025-08-21 02:51 | 2025-08-26 13:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower 2 Gap Credit Report is not missing; the document used as an initial was within 10 days of closing, so it was also used as the Gap. - Due Diligence Vendor-08/26/2025 <br> Ready for Review-Document Uploaded. Credit Report in file is dated 8/11 - Seller-08/26/2025 <br> Open-Borrower 2 Gap Credit Report is Missing • Borrower 2 Gap Credit Report is missing from the file. - Due Diligence Vendor-08/21/2025 | Ready for Review-Document Uploaded. Credit Report in file is dated 8/11 - Seller-08/26/2025 | Resolved-Borrower 2 Gap Credit Report is not missing; the document used as an initial was within 10 days of closing, so it was also used as the Gap. - Due Diligence Vendor-08/26/2025 |  |  | Credit Report.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 846275 | xxxxxx | D A | Closed | xxxxxx | 2025-08-21 02:51 | 2025-08-26 13:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing; the document used as an initial was within 10 days of closing, so it was also used as the Gap. - Due Diligence Vendor-08/26/2025 <br> Ready for Review-Document Uploaded. Credit Report in file is dated 8/11 - Seller-08/26/2025 <br> Open-Borrower 1 Gap Credit Report is Missing • Borrower 1 Gap Credit Report is missing from the file. - Due Diligence Vendor-08/21/2025 | Ready for Review-Document Uploaded. Credit Report in file is dated 8/11 - Seller-08/26/2025 | Resolved-Borrower 1 Gap Credit Report is not missing; the document used as an initial was within 10 days of closing, so it was also used as the Gap. - Due Diligence Vendor-08/26/2025 |  |  | Credit Report.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 846275 | xxxxxx | D A | Closed | xxxxxx | 2025-08-21 02:16 | 2025-08-26 13:05 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The 1008 document was corrected. - Due Diligence Vendor-08/26/2025 <br> Ready for Review-Document Uploaded. Updated 1008 - Seller-08/26/2025 <br> Counter-Corrected 1008 received. The income piece was correct, but the expenses are still off. Per the Final 1003, expenses were: Primary Residence was $1,421.02 + Subject Mortgage 2nd Home was $3,900.13 + Credit Report debt of $3,451 = $8,772.15 total expenses. Unable to determine the lender's 39.090% DTI with Expenses of $8,772.15 ÷ Income of $20,049.18. - Due Diligence Vendor-08/22/2025 <br> Ready for Review-Document Uploaded. Updated 1008 - Seller-08/22/2025 <br> Open-The 1008 document is missing from the loan file. • Income Discrepancy between 1003/1008. Per the 1008 provided, income was $17,737.61. Per the Final 1003, income was $20,049.18. Per the Asset Utilization Worksheet and Fraud Report, income was also $20,049.18. For DTI purposes on the Final 1003, Primary Residence was $1,421.02 + Subject 2nd Home Mortgage was $3,900.13 + Credit Report debt of $3,451 = $8,772.15 expenses. - Due Diligence Vendor-08/21/2025 | Ready for Review-Document Uploaded. Updated 1008 - Seller-08/26/2025 <br> Ready for Review-Document Uploaded. Updated 1008 - Seller-08/22/2025 | Resolved-The 1008 document was corrected. - Due Diligence Vendor-08/26/2025 |  |  | 1008.pdf<br> 1008.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 846275 | xxxxxx | D A | Closed | xxxxxx | 2025-08-21 02:51 | 2025-08-26 13:01 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Validation Resolved - Due Diligence Vendor-08/26/2025 <br> Resolved-Corrected 1008 received. - Due Diligence Vendor-08/22/2025 <br> Ready for Review-Document Uploaded. Updated 1008 - Seller-08/22/2025 <br> Open-Qualifying FICO on the 1008 Page is '772' or blank, but the Qualifying FICO from the Credit Liabilities Page is '771' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. • Per Guidelines section 3.1.10: "Asset Utilization: Use the lowest score amongst all borrowers who will be on the loan as the decision credit score." The 4/02/2025 Credit Report in file was not used as it was 128 days old at closing, and Credit Report cannot be older than 120 days. FICO scores were taken from the 8/11/2025 Credit Report, the mid scores being 797 & 771. - Due Diligence Vendor-08/21/2025 | Ready for Review-Document Uploaded. Updated 1008 - Seller-08/22/2025 | Resolved-Validation Resolved - Due Diligence Vendor-08/26/2025 <br> Resolved-Corrected 1008 received. - Due Diligence Vendor-08/22/2025 |  |  | 1008.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 845860 | xxxxxx | C A | Closed | xxxxxx | 2025-08-22 00:52 | 2025-08-25 11:39 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-08/25/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-08/25/2025 <br> Open-Fraud Report Shows Uncleared Alerts • The xxxxxx Alerts Summary document shows a total of 8 High alerts, only 7 of which were cleared. Please provide the documentation that shows all alerts were reviewed & cleared. - Due Diligence Vendor-08/22/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-08/25/2025 | Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-08/25/2025 |  |  | Cleared Alerts.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846009 | xxxxxx | C A | Closed | xxxxxx | 2025-08-26 02:07 | 2025-09-02 23:34 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Provided Fraud shows All Fraud Report Alerts have been cleared or None Exist.<br> - Due Diligence Vendor-09/03/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-09/03/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-09/02/2025 <br> Open-Fraud Report Shows Uncleared Alerts Per the GL 08.08.2025 page # 26 a clear fraud report is required. The fraud report in file (page # 392) is showing 1 high and 1 low uncleared alert. The required cleared report is missing.<br> - Due Diligence Vendor-08/26/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-09/02/2025 | Resolved-Provided Fraud shows All Fraud Report Alerts have been cleared or None Exist.<br> - Due Diligence Vendor-09/03/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-09/03/2025 |  |  | Cleared Alerts.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846305 | xxxxxx | C B A | Closed | xxxxxx | 2025-08-25 12:08 | 2025-09-04 07:52 | Cured | 2 - Non-Material C B | Compliance | TRID Tolerance | Insufficient Change of Circumstance (xxxxxx) | Cured-$62.56 cure check, lox, PCCD and tracking provided and updated. - Due Diligence Vendor-09/04/2025 <br> Resolved-Resolved - Due Diligence Vendor-09/04/2025 <br> Ready for Review-Document Uploaded. $62.56 cure check, lox, PCCD and tracking - Seller-09/03/2025 <br> Open- - Due Diligence Vendor-08/29/2025 <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: Credit Report Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Credit Report Fee is increased from $79.25 (revised CD dated xxxxxx) to $141.81 (final CD). Provide sufficient lender credits or a valid COC to cure this. - Due Diligence Vendor-08/25/2025 <br> Open- - Due Diligence Vendor-08/25/2025 <br> Open- - Due Diligence Vendor-08/25/2025 <br> Open- - Due Diligence Vendor-08/25/2025 | Ready for Review-Document Uploaded. $62.56 cure check, lox, PCCD and tracking - Seller-09/03/2025 | Cured-$62.56 cure check, lox, PCCD and tracking provided and updated. - Due Diligence Vendor-09/04/2025 <br> Resolved-Resolved - Due Diligence Vendor-09/04/2025 |  |  | xxxxxx $62.56 cure check, lox, PCCD and tracking.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 846305 | xxxxxx | C B A | Closed | xxxxxx | 2025-08-25 14:02 | 2025-09-02 23:32 | Resolved | 1 - Information C A | Credit | Doc Issue | HOA Fee Difference | Resolved-Updated 1008 shows corrected HOA Fee. Updated & Resolved. - Due Diligence Vendor-09/03/2025 <br> Ready for Review-Document Uploaded. Updated 1008 - Seller-09/02/2025 <br> Open-HOA Fee difference exsits between validated HOA and documents HOA fees per appraisal are $1,715 which does not match amount used by UW per 1008 of $2,015.67.<br> - Due Diligence Vendor-08/25/2025 | Ready for Review-Document Uploaded. Updated 1008 - Seller-09/02/2025 | Resolved-Updated 1008 shows corrected HOA Fee. Updated & Resolved. - Due Diligence Vendor-09/03/2025 |  |  | 1008.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Second Home | Purchase | NA | N/A | N/A | xxxxxx |
| 846182 | xxxxxx | D A | Closed | xxxxxx | 2025-08-24 23:25 | 2025-09-02 23:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-09/03/2025 <br> Ready for Review-Document Uploaded. VVOE is not required, but attached is evidence the company is in good standing - Seller-09/02/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing. As per the GL Version 08/08/2025 on page#46 we required VOE dated no more than 10 calendar days prior to Note date.<br> - Due Diligence Vendor-08/25/2025 | Ready for Review-Document Uploaded. VVOE is not required, but attached is evidence the company is in good standing - Seller-09/02/2025 | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-09/03/2025 |  |  | Good Standing.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 845332 | xxxxxx | C B A | Closed | xxxxxx | 2025-09-04 02:42 | 2025-09-09 09:20 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-the client elects to waive with the following compensating factors - Due Diligence Vendor-09/09/2025 <br> Ready for Review-xxxxxx approves exc. Ok to proceed. - Seller-09/08/2025 <br> Open-Loan does not conform to program guidelines We have UW exception at page #374 as, to allow for PTIN to complete the tax attestation form on a refinance less than 75% LTV - Due Diligence Vendor-09/04/2025 | Ready for Review-xxxxxx approves exc. Ok to proceed. - Seller-09/08/2025 | Waived-the client elects to waive with the following compensating factors - Due Diligence Vendor-09/09/2025 | Credit Score is 728. Minimum required per guidelines is 700.<br> DTI is 34.72%. Maximum allowed per guidelines is 50%.<br> LTV is 60.19%. Maximum allowed per guidelines is 80%.<br> Residual Income is $5164.08. Minimum Residual Income required per guidelines is $2500. <br>| Credit Score is 728. Minimum required per guidelines is 700.<br> DTI is 34.72%. Maximum allowed per guidelines is 50%.<br> LTV is 60.19%. Maximum allowed per guidelines is 80%.<br> Residual Income is $5164.08. Minimum Residual Income required per guidelines is $2500. <br>|  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxxxxx |
| 845332 | xxxxxx | C B A | Closed | xxxxxx | 2025-09-03 09:12 | 2025-09-09 09:19 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-the client elects to waive with the following compensating factors - Due Diligence Vendor-09/09/2025 <br> Ready for Review-Document Uploaded. - Seller-09/08/2025 <br> Open-Audited Reserves of 4.88 month(s) are less than Guideline Required Reserves of 6 month(s) Audited Reserves are 4.88 less than Guideline Required Reserves 6. - Due Diligence Vendor-09/03/2025 | Ready for Review-Document Uploaded. - Seller-09/08/2025 | Waived-the client elects to waive with the following compensating factors - Due Diligence Vendor-09/09/2025 | 34.72% DTI - 50% DTI maximum<br> 728 FICO score - 700 FICO minimum<br> 60.15% LTV - 80% LTV maximum | 34.72% DTI - 50% DTI maximum<br> 728 FICO score - 700 FICO minimum<br> 60.15% LTV - 80% LTV maximum | xxxxxx Exc.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxxxxx |
| 843088 | xxxxxx | C A | Closed | xxxxxx | 2025-09-03 00:43 | 2025-09-08 08:53 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (xxxxxx) | Resolved-the COC was provided to clear this condition - Due Diligence Vendor-09/08/2025 <br> Resolved- - Due Diligence Vendor-09/08/2025 <br> Ready for Review-Document Uploaded. - Seller-09/05/2025 <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: 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)). The revised closing disclosure dated xxxxxx shows an increase in discount points for $969.98. There was no COC in file. - Due Diligence Vendor-09/03/2025 <br> Open- - Due Diligence Vendor-09/03/2025 | Ready for Review-Document Uploaded. - Seller-09/05/2025 | Resolved-the COC was provided to clear this condition - Due Diligence Vendor-09/08/2025 |  |  | CC xxxxxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 843088 | xxxxxx | C A | Closed | xxxxxx | 2025-09-03 00:43 | 2025-09-08 08:54 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-. - Due Diligence Vendor-09/08/2025 <br> Open- - Due Diligence Vendor-09/08/2025 <br> Resolved-The loan's (9.102%) APR equals or exceeds the Federal HPML threshold of (8.17%). 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 (6.67%).(12 CFR 1026.35(a)(1)(i)) HPML-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 340 and the Final Closing disclosure on Pg#'s 118, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 367-372. An interior and exterior appraisal was completed for this property – see pg 37, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 361, and confirmation the appraisal was delivered to the borrower – see Pg#'s 21. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-09/03/2025 <br> Open- - Due Diligence Vendor-09/03/2025 |  | Resolved-. - Due Diligence Vendor-09/08/2025 <br> Resolved-The loan's (9.102%) APR equals or exceeds the Federal HPML threshold of (8.17%). 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 (6.67%).(12 CFR 1026.35(a)(1)(i)) HPML-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 340 and the Final Closing disclosure on Pg#'s 118, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 367-372. An interior and exterior appraisal was completed for this property – see pg 37, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 361, and confirmation the appraisal was delivered to the borrower – see Pg#'s 21. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-09/03/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846353 | xxxxxx | C B A | Closed | xxxxxx | 2025-09-18 09:17 | 2025-09-18 09:19 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-The client elects to waive with the following compensating factors: - Due Diligence Vendor-09/18/2025 <br> Open-Borrower Type ineligible per program guidelines. Borrower is from xxxxxx, an OFAC sanctioned Country, but is not on the individual list. In addition, the borrower resides in the xxxxxx for the past 4 years and all assets come from xxxxxx. - Due Diligence Vendor-09/18/2025 | NPRA borrower is from OFAC Sanctioned country (xxxxxx) but is not personally listed on the OFAC sanctions list. - 09/18/2025 <br>| Waived-The client elects to waive with the following compensating factors: - Due Diligence Vendor-09/18/2025 | Residual income of $9,997.81 exceeds minimum of $2,100<br> Verified reserves of 25.79 months exceeds minimum requirement of 3 months<br> 12+ tradelines; 3 required<br> Housing history of 0x30x33 exceeds minimum requirement of 0x60x12 | Residual income of $9,997.81 exceeds minimum of $2,100<br> Verified reserves of 25.79 months exceeds minimum requirement of 3 months<br> 12+ tradelines; 3 required<br> Housing history of 0x30x33 exceeds minimum requirement of 0x60x12 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 846353 | xxxxxx | C B A | Closed | xxxxxx | 2025-09-03 00:10 | 2025-09-05 17:39 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (8.396%) APR equals or exceeds the Federal HPML threshold of (8.13%). 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 (6.63%).(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# 347 doc and the Final Closing disclosure on Pg# 252 reflects escrows. Rate lock date was entered correctly see Pg# 372 An interior and exterior appraisal was completed for this property – see Page# 18 the appraisal disclosure was provided to the borrower(s)- see Pg# 419, see Pg# 404 for the copy of the disclosure. The loan meets HPML guidelines" <br> - Due Diligence Vendor-09/03/2025 <br> Open- - Due Diligence Vendor-09/05/2025 <br> Open- - Due Diligence Vendor-09/03/2025 <br> Open- - Due Diligence Vendor-09/03/2025 |  | Resolved-The loan's (8.396%) APR equals or exceeds the Federal HPML threshold of (8.13%). 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 (6.63%).(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# 347 doc and the Final Closing disclosure on Pg# 252 reflects escrows. Rate lock date was entered correctly see Pg# 372 An interior and exterior appraisal was completed for this property – see Page# 18 the appraisal disclosure was provided to the borrower(s)- see Pg# 419, see Pg# 404 for the copy of the disclosure. The loan meets HPML guidelines" <br> - Due Diligence Vendor-09/03/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845369 | xxxxxx | C A | Closed | xxxxxx | 2025-08-28 06:17 | 2025-09-08 02:15 | Resolved | 1 - Information C A | Credit | Borrower | Borrower 1 Race Selection is Not Provided | Resolved-Updated Final 1003 Provided with Race Selection, Updated & Condition Resolved. - Due Diligence Vendor-09/08/2025 <br> Resolved-Borrower 1 Race Selection is Provided - Due Diligence Vendor-09/08/2025 <br> Ready for Review-Document Uploaded. - Seller-09/05/2025 <br> Open-Borrower 1 Race Selection is Not Provided Race Selection is not check marked in file, need updated Demographic pg - Due Diligence Vendor-08/28/2025 | Ready for Review-Document Uploaded. - Seller-09/05/2025 | Resolved-Updated Final 1003 Provided with Race Selection, Updated & Condition Resolved. - Due Diligence Vendor-09/08/2025 <br> Resolved-Borrower 1 Race Selection is Provided - Due Diligence Vendor-09/08/2025 |  |  | 1003.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845369 | xxxxxx | C A | Closed | xxxxxx | 2025-08-28 06:17 | 2025-09-08 02:14 | Resolved | 1 - Information C A | Credit | Borrower | Borrower 1 Gender Selection is Not Provided | Resolved-Updated Final 1003 Provided with Gender Selection, Updated & Condition Resolved. - Due Diligence Vendor-09/08/2025 <br> Resolved-Borrower 1 Gender Selection is Provided - Due Diligence Vendor-09/08/2025 <br> Ready for Review-Document Uploaded. - Seller-09/05/2025 <br> Open-Borrower 1 Gender Selection is Not Provided Gender Selection is not check marked in file, need updated Demographic pg - Due Diligence Vendor-08/28/2025 | Ready for Review-Document Uploaded. - Seller-09/05/2025 | Resolved-Updated Final 1003 Provided with Gender Selection, Updated & Condition Resolved. - Due Diligence Vendor-09/08/2025 <br> Resolved-Borrower 1 Gender Selection is Provided - Due Diligence Vendor-09/08/2025 |  |  | 1003.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845369 | xxxxxx | C A | Closed | xxxxxx | 2025-08-28 06:17 | 2025-09-08 02:14 | Resolved | 1 - Information C A | Credit | Borrower | Borrower 1 Ethnicity Selection is Not Provided | Resolved-Updated Final 1003 Provided with Ethnicity Selection, Updated & Condition Resolved. - Due Diligence Vendor-09/08/2025 <br> Resolved-Borrower 1 Ethnicity Selection is Provided - Due Diligence Vendor-09/08/2025 <br> Ready for Review-Document Uploaded. - Seller-09/05/2025 <br> Open-Borrower 1 Ethnicity Selection is Not Provided Ethnicity Selection is not check marked in file, need updated Demographic pg - Due Diligence Vendor-08/28/2025 | Ready for Review-Document Uploaded. - Seller-09/05/2025 | Resolved-Updated Final 1003 Provided with Ethnicity Selection, Updated & Condition Resolved. - Due Diligence Vendor-09/08/2025 <br> Resolved-Borrower 1 Ethnicity Selection is Provided - Due Diligence Vendor-09/08/2025 |  |  | 1003.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845369 | xxxxxx | C A | Closed | xxxxxx | 2025-08-28 07:32 | 2025-09-04 14:57 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (8.483%) APR equals or exceeds the Federal HPML threshold of (8.25%). 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 (6.75%).(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#'236, <br> Final Closing disclosure on Pg#'102<br> Rate lock doc on pg-256.<br> An interior and exterior appraisal was completed for this property on pg-23<br> A copy of the appraisal was given to the borrower on pgs-.304<br> confirmation the appraisal was delivered to the borrower – see Pg#'s 292.<br> The loan meets HPML Guidelines, resolved. - Due Diligence Vendor-08/28/2025 <br> Open- - Due Diligence Vendor-08/28/2025 <br> Open- - Due Diligence Vendor-08/28/2025 |  | Resolved-The loan's (8.483%) APR equals or exceeds the Federal HPML threshold of (8.25%). 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 (6.75%).(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#'236, <br> Final Closing disclosure on Pg#'102<br> Rate lock doc on pg-256.<br> An interior and exterior appraisal was completed for this property on pg-23<br> A copy of the appraisal was given to the borrower on pgs-.304<br> confirmation the appraisal was delivered to the borrower – see Pg#'s 292.<br> The loan meets HPML Guidelines, resolved. - Due Diligence Vendor-08/28/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846367 | xxxxxx | D A | Closed | xxxxxx | 2025-09-02 08:38 | 2025-09-05 08:46 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Received the initial CD along with additional LE's and COC's - Due Diligence Vendor-09/05/2025 <br> Ready for Review-Document Uploaded. - Seller-09/05/2025 <br> Open-TRID: Missing Closing Disclosure Initial CD is missing in file, hence didn't run CE. - Due Diligence Vendor-09/02/2025 | Ready for Review-Document Uploaded. - Seller-09/05/2025 | Resolved-Received the initial CD along with additional LE's and COC's - Due Diligence Vendor-09/05/2025 |  |  | xxxxxx CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 845337 | xxxxxx | C A | Closed | xxxxxx | 2025-08-29 02:44 | 2025-09-04 01:35 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Invalid Condition as per Guidelines we can add 3 Months of Additional reserves for no Housing History, added & Condition resolved - Due Diligence Vendor-09/04/2025 <br> Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-09/04/2025 <br> Ready for Review-Document Uploaded. See UW notes. Extra reserves utilized. - Seller-09/03/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Required VOR for Primary residency history. (Received LOX on Primary Residency history page on # 273, However Residency history not available.) - Due Diligence Vendor-08/29/2025 | Ready for Review-Document Uploaded. See UW notes. Extra reserves utilized. - Seller-09/03/2025 | Resolved-Invalid Condition as per Guidelines we can add 3 Months of Additional reserves for no Housing History, added & Condition resolved - Due Diligence Vendor-09/04/2025 <br> Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-09/04/2025 |  |  | UW Notes.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845337 | xxxxxx | C A | Closed | xxxxxx | 2025-08-29 04:08 | 2025-08-29 04:18 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (8.807%) APR equals or exceeds the Federal HPML threshold of (8.25%). 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 (6.75%).(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 IEAD 263 and the Final Closing disclosure on Pg#'98 s, Finding reflects escrows. Rate lock date was entered correctly – see Pg#900', An interior and exterior appraisal was completed for this property – see pg#45, the appraisal disclosure was provided to the borrower(s)- see Pg#341's and confirmation the appraisal was delivered to the borrower – see Pg#'s 159. The loan meets HPML guidelines, - Due Diligence Vendor-08/29/2025 <br> Open- - Due Diligence Vendor-08/29/2025 |  | Resolved-The loan's (8.807%) APR equals or exceeds the Federal HPML threshold of (8.25%). 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 (6.75%).(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 IEAD 263 and the Final Closing disclosure on Pg#'98 s, Finding reflects escrows. Rate lock date was entered correctly – see Pg#900', An interior and exterior appraisal was completed for this property – see pg#45, the appraisal disclosure was provided to the borrower(s)- see Pg#341's and confirmation the appraisal was delivered to the borrower – see Pg#'s 159. The loan meets HPML guidelines, - Due Diligence Vendor-08/29/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846349 | xxxxxx | A | Closed | xxxxxx | 2025-08-27 08:03 | 2025-09-02 15:39 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (8.228%) APR equals or exceeds the Federal HPML threshold of (8.13%). 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 (6.63%).(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#'s405<br> Final Closing disclosure on Pg#'179<br> Rate lock doc on pg-435<br> An interior and exterior appraisal was completed for this property on pg-50-56<br> A copy of the appraisal was given to the borrower on pgs-.524<br> confirmation the appraisal was delivered to the borrower – see Pg#'s 141<br> The loan meets HPML Guidelines, resolved. - Due Diligence Vendor-08/27/2025 <br> Open- - Due Diligence Vendor-08/27/2025 <br> Open- - Due Diligence Vendor-08/27/2025 |  | Resolved-The loan's (8.228%) APR equals or exceeds the Federal HPML threshold of (8.13%). 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 (6.63%).(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#'s405<br> Final Closing disclosure on Pg#'179<br> Rate lock doc on pg-435<br> An interior and exterior appraisal was completed for this property on pg-50-56<br> A copy of the appraisal was given to the borrower on pgs-.524<br> confirmation the appraisal was delivered to the borrower – see Pg#'s 141<br> The loan meets HPML Guidelines, resolved. - Due Diligence Vendor-08/27/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846349 | xxxxxx | A | Closed | xxxxxx | 2025-08-27 08:03 | 2025-08-27 08:10 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | xxxxxx - Higher Priced Mortgage Loan (First Lien xxxxxx)(Conforming) | Resolved-This is a xxxxxx Higher-Priced Mortgage Loan (HPML). The loan's APR of (8.228%) equals or exceeds the xxxxxx HPML threshold of (8.13%). 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 (6.63%).(xxxxxx. 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.<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#'s405<br> Final Closing disclosure on Pg#'179<br> Rate lock doc on pg-435<br> An interior and exterior appraisal was completed for this property on pg-50-56<br> A copy of the appraisal was given to the borrower on pgs-.431<br> confirmation the appraisal was delivered to the borrower – see Pg#'s 25<br> The loan meets HPML Guidelines, resolved. - Due Diligence Vendor-08/27/2025 <br> Open- - Due Diligence Vendor-08/27/2025 <br> Open- - Due Diligence Vendor-08/27/2025 |  | Resolved-This is a xxxxxx Higher-Priced Mortgage Loan (HPML). The loan's APR of (8.228%) equals or exceeds the xxxxxx HPML threshold of (8.13%). 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 (6.63%).(xxxxxx. 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.<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#'s405<br> Final Closing disclosure on Pg#'179<br> Rate lock doc on pg-435<br> An interior and exterior appraisal was completed for this property on pg-50-56<br> A copy of the appraisal was given to the borrower on pgs-.431<br> confirmation the appraisal was delivered to the borrower – see Pg#'s 25<br> The loan meets HPML Guidelines, resolved. - Due Diligence Vendor-08/27/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846647 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 845338 | xxxxxx | C A | Closed | xxxxxx | 2025-09-08 23:12 | 2025-09-10 04:45 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (xxxxxx) | Resolved-Resolved. COC dated xxxxxx and Revised LE dated xxxxxx received. - Due Diligence Vendor-09/10/2025 <br> Resolved-Resolved - Due Diligence Vendor-09/10/2025 <br> Ready for Review-Document Uploaded. - Seller-09/09/2025 <br> Open- - Due Diligence Vendor-09/09/2025 <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: Broker Fees. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Initial LE (xxxxxx) to Initial CD (xxxxxx) Broker Fees increased $400. Provide COC or lender credits to cure this tolerance <br> - Due Diligence Vendor-09/09/2025 <br> Open- - Due Diligence Vendor-09/09/2025 | Ready for Review-Document Uploaded. - Seller-09/09/2025 | Resolved-Resolved. COC dated xxxxxx and Revised LE dated xxxxxx received. - Due Diligence Vendor-09/10/2025 <br> Resolved-Resolved - Due Diligence Vendor-09/10/2025 |  |  | xxxxxx xxxxxx CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846352 | xxxxxx | C A | Closed | xxxxxx | 2025-09-13 03:31 | 2025-09-18 10:20 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (xxxxxx) | Resolved-The COC was provided showing the increase in fees. - Due Diligence Vendor-09/18/2025 <br> Resolved- - Due Diligence Vendor-09/18/2025 <br> Ready for Review-Document Uploaded. - Seller-09/17/2025 <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: Broker Fees, Inspection Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). COC is required in increase in fee's - Due Diligence Vendor-09/13/2025 <br> Open- - Due Diligence Vendor-09/13/2025 | Ready for Review-Document Uploaded. - Seller-09/17/2025 | Resolved-The COC was provided showing the increase in fees. - Due Diligence Vendor-09/18/2025 |  |  | xxxxxx CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846352 | xxxxxx | C A | Closed | xxxxxx | 2025-09-13 02:55 | 2025-09-18 01:14 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Hazard Insurance Effective Date of xxxxxx is prior to or equal to the Note Date of xxxxxx. - Due Diligence Vendor-09/18/2025 <br> Resolved-Hazard Insurance Effective Date of xxxxxx is prior to or equal to the Note Date of xxxxxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-09/18/2025 <br> Ready for Review-Document Uploaded. - Seller-09/17/2025 <br> Open-Hazard Insurance Effective Date of xxxxxx is after the Note Date of xxxxxx - Due Diligence Vendor-09/13/2025 | Ready for Review-Document Uploaded. - Seller-09/17/2025 | Resolved-Hazard Insurance Effective Date of xxxxxx is prior to or equal to the Note Date of xxxxxx. - Due Diligence Vendor-09/18/2025 <br> Resolved-Hazard Insurance Effective Date of xxxxxx is prior to or equal to the Note Date of xxxxxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-09/18/2025 |  |  | xxxxxx HOI.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846352 | xxxxxx | C A | Closed | xxxxxx | 2025-09-13 03:31 | 2025-09-18 10:26 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (9.906%) APR equals or exceeds the Federal HPML threshold of (8.13%). 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 (6.63%).(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# 382 doc and the Final Closing disclosure on Pg#174 reflects escrows. Rate lock date was entered correctly see Pg# lock pg 414 An interior and exterior appraisal was completed for this property – see Page# 31 the appraisal disclosure was provided to the borrower(s)- see Pg#468, and copy of the appraisal was given to the borrower see Pg# 486 for the copy of the disclosure. The loan meets HPML guidelines" - Due Diligence Vendor-09/18/2025 <br> Open- - Due Diligence Vendor-09/18/2025 <br> Resolved-The loan's (9.906%) APR equals or exceeds the Federal HPML threshold of (8.13%). 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 (6.63%).(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# 382 doc and the Final Closing disclosure on Pg#174 reflects escrows. Rate lock date was entered correctly see Pg# lock pg 414 An interior and exterior appraisal was completed for this property – see Page# 31 the appraisal disclosure was provided to the borrower(s)- see Pg#164, and copy of the appraisal was given to the borrower see Pg# 31 for the copy of the disclosure. The loan meets HPML guidelines" <br>- Due Diligence Vendor-09/13/2025 <br> Open- - Due Diligence Vendor-09/13/2025 |  | Resolved-The loan's (9.906%) APR equals or exceeds the Federal HPML threshold of (8.13%). 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 (6.63%).(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# 382 doc and the Final Closing disclosure on Pg#174 reflects escrows. Rate lock date was entered correctly see Pg# lock pg 414 An interior and exterior appraisal was completed for this property – see Page# 31 the appraisal disclosure was provided to the borrower(s)- see Pg#468, and copy of the appraisal was given to the borrower see Pg# 486 for the copy of the disclosure. The loan meets HPML guidelines" - Due Diligence Vendor-09/18/2025 <br> Resolved-The loan's (9.906%) APR equals or exceeds the Federal HPML threshold of (8.13%). 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 (6.63%).(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# 382 doc and the Final Closing disclosure on Pg#174 reflects escrows. Rate lock date was entered correctly see Pg# lock pg 414 An interior and exterior appraisal was completed for this property – see Page# 31 the appraisal disclosure was provided to the borrower(s)- see Pg#164, and copy of the appraisal was given to the borrower see Pg# 31 for the copy of the disclosure. The loan meets HPML guidelines" <br>- Due Diligence Vendor-09/13/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845335 | xxxxxx | D A | Closed | xxxxxx | 2025-09-15 04:49 | 2025-10-17 09:48 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (xxxxxx) | Resolved-Initial CD provided. - Due Diligence Vendor-10/17/2025 <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: Inspection 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-09/15/2025 |  | Resolved-Initial CD provided. - Due Diligence Vendor-10/17/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 845335 | xxxxxx | D A | Closed | xxxxxx | 2025-09-06 04:12 | 2025-09-15 04:52 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial closing disclosure document provided. - Due Diligence Vendor-09/15/2025 <br> Ready for Review-Document Uploaded. - Seller-09/12/2025 <br> Open-TRID: Missing Closing Disclosure Initial closing disclosure is missing in file, to run the compliance we need initial CD. - Due Diligence Vendor-09/06/2025 | Ready for Review-Document Uploaded. - Seller-09/12/2025 | Resolved-Initial closing disclosure document provided. - Due Diligence Vendor-09/15/2025 |  |  | Z CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 845368 | xxxxxx | D A | Closed | xxxxxx | 2025-09-10 05:36 | 2025-09-10 05:44 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(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 page 166 and the Final Closing disclosure on page 76 reflects escrows. Rate lock date was entered correctly – see page 187. An interior and exterior appraisal was completed for this property – see page 20, the appraisal disclosure was provided to the borrower(s)- see page 231, 232 and copy of the appraisal was given to the borrower – see page 57. The loan meets HPML guidelines. - Due Diligence Vendor-09/10/2025 <br> Open- - Due Diligence Vendor-09/10/2025 <br> Open-The loan's (8.533%) APR equals or exceeds the Federal HPML threshold of (8.25%). 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 (6.75%).(12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-09/10/2025 |  | 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 page 166 and the Final Closing disclosure on page 76 reflects escrows. Rate lock date was entered correctly – see page 187. An interior and exterior appraisal was completed for this property – see page 20, the appraisal disclosure was provided to the borrower(s)- see page 231, 232 and copy of the appraisal was given to the borrower – see page 57. The loan meets HPML guidelines. - Due Diligence Vendor-09/10/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 845368 | xxxxxx | D A | Closed | xxxxxx | 2025-09-08 13:05 | 2025-09-10 05:42 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Resolved. Revised LE, Initial CD, COC's and Disclosure Tracking Disclosure received. - Due Diligence Vendor-09/10/2025 <br> Ready for Review-Document Uploaded. - Seller-09/09/2025 <br> Open-TRID: Missing Closing Disclosure Provide Initial CD, related COC and Disclosure Tracking Disclosure - Due Diligence Vendor-09/08/2025 | Ready for Review-Document Uploaded. - Seller-09/09/2025 | Resolved-Resolved. Revised LE, Initial CD, COC's and Disclosure Tracking Disclosure received. - Due Diligence Vendor-09/10/2025 |  |  | Items for CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 846355 | xxxxxx | B A | Closed | xxxxxx | 2025-09-05 09:43 | 2025-09-05 09:43 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Loan does not conform to program guidelines Exception page 504<br> Exception Reason: OTHER- to allow for gift funds when borrower is non permanent resident alien<br> Client elects to waive with the following compensating factors. - Due Diligence Vendor-09/05/2025 |  | Waived-Loan does not conform to program guidelines Exception page 504<br> Exception Reason: OTHER- to allow for gift funds when borrower is non permanent resident alien<br> Client elects to waive with the following compensating factors. - Due Diligence Vendor-09/05/2025 | DTI- Loan File 15.80%, GL Requirement Max 50%<br> Residual Income - $21,358.43, GL Requirement min $1500 + $150 (1 dependent) = $1650<br> Tradelines exceeds GL- Loan File 9 acceptable tradelines, GL Requirement 3 tradelines<br> Job Stability- 4 years 11 months, GL Requirement Min 2 years | DTI- Loan File 15.80%, GL Requirement Max 50%<br> Residual Income - $21,358.43, GL Requirement min $1500 + $150 (1 dependent) = $1650<br> Tradelines exceeds GL- Loan File 9 acceptable tradelines, GL Requirement 3 tradelines<br> Job Stability- 4 years 11 months, GL Requirement Min 2 years |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 846355 | xxxxxx | B A | Closed | xxxxxx | 2025-09-03 06:57 | 2025-09-05 09:37 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | xxxxxx - Higher Priced Mortgage Loan (First Lien xxxxxx)(Conforming) | Resolved-Under the Regulations adopted by the xxxxxx Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (8.297%) equals or exceeds the xxxxxx Higher-Priced Mortgage threshold of (8.13%). 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 (6.63%). (xxxxxx 09.03.06.02(B)(13); 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# 461 and the Final Closing disclosure on Pg# 272 reflects escrows. Rate lock date was entered correctly see Pg# 494. An interior and exterior appraisal was completed for this property – see Page#28 the appraisal disclosure was provided to the borrower(s)- see Pg# 547-548, and copy of the appraisal was given to the borrower see Pg# 249 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-09/03/2025 <br> Open- - Due Diligence Vendor-09/05/2025 <br> Open- - Due Diligence Vendor-09/03/2025 <br> Open- - Due Diligence Vendor-09/03/2025 <br> Open- - Due Diligence Vendor-09/03/2025 <br> Open- - Due Diligence Vendor-09/03/2025 |  | Resolved-Under the Regulations adopted by the xxxxxx Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (8.297%) equals or exceeds the xxxxxx Higher-Priced Mortgage threshold of (8.13%). 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 (6.63%). (xxxxxx 09.03.06.02(B)(13); 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# 461 and the Final Closing disclosure on Pg# 272 reflects escrows. Rate lock date was entered correctly see Pg# 494. An interior and exterior appraisal was completed for this property – see Page#28 the appraisal disclosure was provided to the borrower(s)- see Pg# 547-548, and copy of the appraisal was given to the borrower see Pg# 249 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-09/03/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846355 | xxxxxx | B A | Closed | xxxxxx | 2025-09-03 06:57 | 2025-09-05 09:37 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (8.297%) APR equals or exceeds the Federal HPML threshold of (8.13%). 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 (6.63%).(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# 461 and the Final Closing disclosure on Pg# 272 reflects escrows. Rate lock date was entered correctly see Pg# 494. An interior and exterior appraisal was completed for this property – see Page#28 the appraisal disclosure was provided to the borrower(s)- see Pg# 547-548, and copy of the appraisal was given to the borrower see Pg# 249 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-09/03/2025 <br> Open- - Due Diligence Vendor-09/05/2025 <br> Open- - Due Diligence Vendor-09/03/2025 <br> Open- - Due Diligence Vendor-09/03/2025 <br> Open- - Due Diligence Vendor-09/03/2025 <br> Open- - Due Diligence Vendor-09/03/2025 |  | Resolved-The loan's (8.297%) APR equals or exceeds the Federal HPML threshold of (8.13%). 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 (6.63%).(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# 461 and the Final Closing disclosure on Pg# 272 reflects escrows. Rate lock date was entered correctly see Pg# 494. An interior and exterior appraisal was completed for this property – see Page#28 the appraisal disclosure was provided to the borrower(s)- see Pg# 547-548, and copy of the appraisal was given to the borrower see Pg# 249 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-09/03/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846362 | xxxxxx | C B A | Closed | xxxxxx | 2025-09-10 14:18 | 2025-09-10 14:21 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Borrower 1 Total Years Employment Verified is Less Than 24 Months | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-09/10/2025 <br> Open-Borrower 1 has a second job with xxxxxx with less than 2 years employment history. - Due Diligence Vendor-09/10/2025 | To allow income from 2nd job with xxxxxx for less than 2 years but greater than 12 months. - 09/10/2025 <br>| Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-09/10/2025 | 792 FICO; 700 minimum<br> Residual income of $3,558.81; $1,950 required<br> Borrower contribution 16%; 5% required<br> Housing payment history 0x30x120 months; 0x30x12 months required<br> No consumer lates | 792 FICO; 700 minimum<br> Residual income of $3,558.81; $1,950 required<br> Borrower contribution 16%; 5% required<br> Housing payment history 0x30x120 months; 0x30x12 months required<br> No consumer lates |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 846362 | xxxxxx | C B A | Closed | xxxxxx | 2025-09-02 03:46 | 2025-09-03 14:56 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | xxxxxx - Higher Priced Mortgage Loan (First Lien xxxxxx)(Conforming) | Resolved-Under the Regulations adopted by the xxxxxx Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (9.343%) equals or exceeds the xxxxxx Higher-Priced Mortgage threshold of (8.25%). 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 (6.75%). (xxxxxx 09.03.06.02(B)(13); 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# 384 and the Final Closing disclosure on Pg# 128 reflects escrows. Rate lock date was entered correctly see Pg# 402 An interior and exterior appraisal was completed for this property – see Page# 35 the appraisal disclosure was provided to the borrower(s)- see Pg# 500, and copy of the appraisal was given to the borrower see Pg# 244 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-09/02/2025 <br> Open- - Due Diligence Vendor-09/03/2025 <br> Open- - Due Diligence Vendor-09/02/2025 |  | Resolved-Under the Regulations adopted by the xxxxxx Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (9.343%) equals or exceeds the xxxxxx Higher-Priced Mortgage threshold of (8.25%). 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 (6.75%). (xxxxxx 09.03.06.02(B)(13); 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# 384 and the Final Closing disclosure on Pg# 128 reflects escrows. Rate lock date was entered correctly see Pg# 402 An interior and exterior appraisal was completed for this property – see Page# 35 the appraisal disclosure was provided to the borrower(s)- see Pg# 500, and copy of the appraisal was given to the borrower see Pg# 244 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-09/02/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846362 | xxxxxx | C B A | Closed | xxxxxx | 2025-09-02 03:46 | 2025-09-03 14:55 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (9.343%) APR equals or exceeds the Federal HPML threshold of (8.25%). 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 (6.75%).(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# 384 and the Final Closing disclosure on Pg# 128 reflects escrows. Rate lock date was entered correctly see Pg# 402 An interior and exterior appraisal was completed for this property – see Page# 35 the appraisal disclosure was provided to the borrower(s)- see Pg# 500, and copy of the appraisal was given to the borrower see Pg# 244 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-09/02/2025 <br> Open- - Due Diligence Vendor-09/03/2025 <br> Open- - Due Diligence Vendor-09/02/2025 |  | Resolved-The loan's (9.343%) APR equals or exceeds the Federal HPML threshold of (8.25%). 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 (6.75%).(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# 384 and the Final Closing disclosure on Pg# 128 reflects escrows. Rate lock date was entered correctly see Pg# 402 An interior and exterior appraisal was completed for this property – see Page# 35 the appraisal disclosure was provided to the borrower(s)- see Pg# 500, and copy of the appraisal was given to the borrower see Pg# 244 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-09/02/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846173 | xxxxxx | C A | Closed | xxxxxx | 2025-09-01 23:26 | 2025-09-10 13:18 | Resolved | 1 - Information C A | Compliance | xxxxxx | Late: Amount | Resolved-Resolved - Due Diligence Vendor-09/10/2025 <br> Ready for Review-Document Uploaded. For non-QM loans with a principal balance of xxxxxx or more, these specific state usury caps do not apply - Seller-09/05/2025 <br> Open- - Due Diligence Vendor-09/05/2025 <br> Open-The late fee ($173.42) exceeds the xxxxxx Mini-Code limit of the greater of $18 or 5% ($8.67) of the overdue payment, but not to exceed $100. (xxxxxx. Code 5-19-4(a) & 8-8-5. xxxxxx) Late fee amount updated as 5% per Note on page # 429. - Due Diligence Vendor-09/03/2025 <br> Open- - Due Diligence Vendor-09/03/2025 <br> Open- - Due Diligence Vendor-09/02/2025 | Ready for Review-Document Uploaded. For non-QM loans with a principal balance of xxxxxx or more, these specific state usury caps do not apply - Seller-09/05/2025 | Resolved-Resolved - Due Diligence Vendor-09/10/2025 |  |  | xxxxxx xxxxxx NQM loans these specific state usery caps do not apply.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846173 | xxxxxx | C A | Closed | xxxxxx | 2025-08-29 05:29 | 2025-09-09 04:41 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Fraud Report Alerts have been cleared, verified & entered in system - Resolved. - Due Diligence Vendor-09/09/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-09/09/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-09/08/2025 <br> Open-Fraud Report Shows Uncleared Alerts Per the GL 08.08.2025 page # 26 a clear fraud report is required. The fraud report in file (page # 332) is showing 1 high uncleared alert. The required cleared report is missing.<br> - Due Diligence Vendor-08/29/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-09/08/2025 | Resolved-Fraud Report Alerts have been cleared, verified & entered in system - Resolved. - Due Diligence Vendor-09/09/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-09/09/2025 |  |  | Cleared Alerts.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846173 | xxxxxx | C A | Closed | xxxxxx | 2025-09-02 22:00 | 2025-09-09 00:14 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-Updated 1008 with corrected DTI provided. - Due Diligence Vendor-09/09/2025 <br> Ready for Review-Document Uploaded. Updated 1008 - Seller-09/08/2025 <br> Open-Audited DTI is 40.07 and lender DTI is 28.10. the difference is 11.97. This is because lender did not consider below installment accounts in monthly liabilities per final 1003:<br> (1) xxxxxx # xxxxxx with monthly payment of $1,333. (2) xxxxxx with monthly payment of $1,232. - Due Diligence Vendor-09/03/2025 | Ready for Review-Document Uploaded. Updated 1008 - Seller-09/08/2025 | Resolved-Updated 1008 with corrected DTI provided. - Due Diligence Vendor-09/09/2025 |  |  | 1008.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846317 | xxxxxx | C A | Closed | xxxxxx | 2025-09-05 11:19 | 2025-09-12 05:31 | Resolved | 1 - Information C A | Credit | Credit | FEMA disaster issue and/or risk. | Resolved-Appraisal report done and clear the same day as disaster end date. No damage cited. - Due Diligence Vendor-09/12/2025 <br> Ready for Review-Document Uploaded. Per UW, End date on FEMA was xxxxxx and this was done on xxxxxx we should be good - Seller-09/08/2025 <br> Open-Property potentially affected by FEMA Disaster ID xxxxxx - Declared xxxxxx with an Incident End Date of xxxxxx with Public Assistance: YES and Individual Assistance: YES. Property inspection with exterior photos required. - Due Diligence Vendor-09/05/2025 | Ready for Review-Document Uploaded. Per UW, End date on FEMA was xxxxxx and this was done on xxxxxx we should be good - Seller-09/08/2025 | Resolved-Appraisal report done and clear the same day as disaster end date. No damage cited. - Due Diligence Vendor-09/12/2025 |  |  | Appraisal.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846317 | xxxxxx | C A | Closed | xxxxxx | 2025-09-02 05:43 | 2025-09-08 02:02 | Resolved | 1 - Information C A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Secondary Valuation or Additional Valuation (xxxxxx SSR) Provided. - Due Diligence Vendor-09/08/2025 <br> Ready for Review-Document Uploaded. xxxxxx SSR - Seller-09/05/2025 <br> Open-Provide Secondary Valuation or Additional Valuation has per securitization requirements. Secondary Valuation missing in file. - Due Diligence Vendor-09/02/2025 | Ready for Review-Document Uploaded. xxxxxx SSR - Seller-09/05/2025 | Resolved-Secondary Valuation or Additional Valuation (xxxxxx SSR) Provided. - Due Diligence Vendor-09/08/2025 |  |  | xxxxxx xxxxxx SSR.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846796 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 846848 | xxxxxx | C A | Closed | xxxxxx | 2025-09-03 02:03 | 2025-09-10 06:09 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Fraud Report Alerts have been cleared, verified & entered in system - Resolved. - Due Diligence Vendor-09/10/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-09/10/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-09/09/2025 <br> Open-Fraud Report Shows Uncleared Alerts Fraud report showing uncleared alert, per kind lending guidelines dated 08/08/2025 page 27, required updated Fraud report. - Due Diligence Vendor-09/03/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-09/09/2025 | Resolved-Fraud Report Alerts have been cleared, verified & entered in system - Resolved. - Due Diligence Vendor-09/10/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-09/10/2025 |  |  | Cleared Alerts.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 845326 | xxxxxx | D B C A | Closed | xxxxxx | 2025-09-11 08:14 | 2025-09-16 09:15 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Housing History per program guidelines | Waived-exception#332 No scheduled payments due on the existing Note being paid off during the extension period from xxxxxx through xxxxxx. File contains 12 months successful payment history prior to the payment-free time, spanning xxxxxx. - Due Diligence Vendor-09/16/2025 <br> Waived-the Client elects to waive with the following compensating factors. - Due Diligence Vendor-09/16/2025 <br> Ready for Review-? Looks like you have two conditions on the same item and there's already an exception in file. - Seller-09/15/2025 | Ready for Review-? Looks like you have two conditions on the same item and there's already an exception in file. - Seller-09/15/2025 | Waived-exception#332 No scheduled payments due on the existing Note being paid off during the extension period from xxxxxx through xxxxxx. File contains 12 months successful payment history prior to the payment-free time, spanning xxxxxx. - Due Diligence Vendor-09/16/2025 <br> Waived-the Client elects to waive with the following compensating factors. - Due Diligence Vendor-09/16/2025 | Residual Income is $4293.06. Minimum Residual Income required per guidelines is $1500. <br> 41.74% DTI - 50% DTI maximum | Residual Income is $4293.06. Minimum Residual Income required per guidelines is $1500. <br> 41.74% DTI - 50% DTI maximum |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxxxxx |
| 845326 | xxxxxx | D B C A | Closed | xxxxxx | 2025-09-11 08:24 | 2025-09-16 04:31 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial Closing Disclosure document provided.<br> - Due Diligence Vendor-09/16/2025 <br> Ready for Review-Document Uploaded. - Seller-09/15/2025 <br> Open-TRID: Missing Closing Disclosure Initial Closing Disclosure missing in file Unable to run the compliance. - Due Diligence Vendor-09/11/2025 | Ready for Review-Document Uploaded. - Seller-09/15/2025 | Resolved-Initial Closing Disclosure document provided.<br> - Due Diligence Vendor-09/16/2025 |  |  | xxxxxx CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 845326 | xxxxxx | D B C A | Closed | xxxxxx | 2025-09-16 04:24 | 2025-09-16 04:29 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | xxxxxx - Higher Priced Mortgage Loan (First Lien xxxxxx)(Conforming) | Resolved-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 219 and the Final Closing disclosure on Pg.'s 121 reflects escrows. Rate lock date was entered correctly – see Pg.'s 256 An interior and exterior appraisal was completed for this property – see pg. 21, the appraisal disclosure was provided to the borrower(s)- see Pg#'363 and copy of the appraisal was given to the borrower – see Pg.'s 363 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-09/16/2025 <br> Open-Under the Regulations adopted by the xxxxxx Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (10.731%) equals or exceeds the xxxxxx Higher-Priced Mortgage threshold of (8.25%). 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 (6.75%). (xxxxxx 09.03.06.02(B)(13); 12 CFR 1026.35(a)(1)(i)) - Due Diligence Vendor-09/16/2025 |  | Resolved-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 219 and the Final Closing disclosure on Pg.'s 121 reflects escrows. Rate lock date was entered correctly – see Pg.'s 256 An interior and exterior appraisal was completed for this property – see pg. 21, the appraisal disclosure was provided to the borrower(s)- see Pg#'363 and copy of the appraisal was given to the borrower – see Pg.'s 363 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-09/16/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 845326 | xxxxxx | D B C A | Closed | xxxxxx | 2025-09-16 04:24 | 2025-09-16 04:28 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-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 219 and the Final Closing disclosure on Pg.'s 121 reflects escrows. Rate lock date was entered correctly – see Pg.'s 256 An interior and exterior appraisal was completed for this property – see pg. 21, the appraisal disclosure was provided to the borrower(s)- see Pg#'363 and copy of the appraisal was given to the borrower – see Pg.'s 363 for the copy of the disclosure. The loan meets HPML guidelines.<br> - Due Diligence Vendor-09/16/2025 <br> Open-The loan's (10.731%) APR equals or exceeds the Federal HPML threshold of (8.25%). 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 (6.75%).(12 CFR 1026.35(a)(1)(i)) - Due Diligence Vendor-09/16/2025 |  | Resolved-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 219 and the Final Closing disclosure on Pg.'s 121 reflects escrows. Rate lock date was entered correctly – see Pg.'s 256 An interior and exterior appraisal was completed for this property – see pg. 21, the appraisal disclosure was provided to the borrower(s)- see Pg#'363 and copy of the appraisal was given to the borrower – see Pg.'s 363 for the copy of the disclosure. The loan meets HPML guidelines.<br> - Due Diligence Vendor-09/16/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846363 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 846364 | xxxxxx | D A | Closed | xxxxxx | 2025-09-10 06:00 | 2025-09-10 06:16 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(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 page 321 and the Final Closing disclosure on page 110 reflects escrows. Rate lock date was entered correctly – see page 341. An interior and exterior appraisal was completed for this property – see page 23, the appraisal disclosure was provided to the borrower(s)- see page 378 and copy of the appraisal was given to the borrower – see page 104. The loan meets HPML guidelines. - Due Diligence Vendor-09/10/2025 <br> Open-The loan's (9.39%) APR equals or exceeds the Federal HPML threshold of (8.13%). 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 (6.63%).(12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-09/10/2025 <br> Open- - Due Diligence Vendor-09/10/2025 <br> Open- - Due Diligence Vendor-09/10/2025 <br> Open- - Due Diligence Vendor-09/10/2025 |  | 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 page 321 and the Final Closing disclosure on page 110 reflects escrows. Rate lock date was entered correctly – see page 341. An interior and exterior appraisal was completed for this property – see page 23, the appraisal disclosure was provided to the borrower(s)- see page 378 and copy of the appraisal was given to the borrower – see page 104. The loan meets HPML guidelines. - Due Diligence Vendor-09/10/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846364 | xxxxxx | D A | Closed | xxxxxx | 2025-09-07 03:32 | 2025-09-10 06:13 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Resolved. Revised LE, Initial CD, COC and Disclosure Tracking Disclosure received. - Due Diligence Vendor-09/10/2025 <br> Ready for Review-Document Uploaded. - Seller-09/09/2025 <br> Open-TRID: Missing Closing Disclosure Provide Initial CD, related COC and Disclosure Tracking Summary - Due Diligence Vendor-09/07/2025 | Ready for Review-Document Uploaded. - Seller-09/09/2025 | Resolved-Resolved. Revised LE, Initial CD, COC and Disclosure Tracking Disclosure received. - Due Diligence Vendor-09/10/2025 |  |  | xxxxxx CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846350 | xxxxxx | A | Closed | xxxxxx | 2025-09-04 05:07 | 2025-09-09 06:31 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (8.194%) APR equals or exceeds the Federal HPML threshold of (8.13%). 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 (6.63%).(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 282 and the Final Closing disclosure on Pg 180 reflects escrows. Rate lock date was entered correctly – see Pg 302 An interior and exterior appraisal was completed for this property – see pg 24 the appraisal disclosure was provided to the borrower(s)- see Pg 301, 347 and copy of the appraisal was given to the borrower – see Pg 221 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-09/04/2025 <br> Open- - Due Diligence Vendor-09/09/2025 <br> Open- - Due Diligence Vendor-09/04/2025 |  | Resolved-The loan's (8.194%) APR equals or exceeds the Federal HPML threshold of (8.13%). 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 (6.63%).(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 282 and the Final Closing disclosure on Pg 180 reflects escrows. Rate lock date was entered correctly – see Pg 302 An interior and exterior appraisal was completed for this property – see pg 24 the appraisal disclosure was provided to the borrower(s)- see Pg 301, 347 and copy of the appraisal was given to the borrower – see Pg 221 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-09/04/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846233 | xxxxxx | A | Closed | xxxxxx | 2025-09-05 03:32 | 2025-09-09 11:26 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | xxxxxx - Higher Priced Mortgage Loan (First Lien xxxxxx)(Conforming) | Resolved-Under the Regulations adopted by the xxxxxx Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (9.508%) equals or exceeds the xxxxxx Higher-Priced Mortgage threshold of (8.11%). 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 (6.61%). (xxxxxx 09.03.06.02(B)(13); 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# 515 doc and the Final Closing disclosure on Pg# 283 reflects escrows. Rate lock date was entered correctly see Pg# lock pg 544 An interior and exterior appraisal was completed for this property – see Page# 19 the appraisal disclosure was provided to the borrower(s)- see Pg# 612, and copy of the appraisal was given to the borrower see Pg# 382 for the copy of the disclosure. The loan meets HPML guidelines" - Due Diligence Vendor-09/05/2025 <br> Open- - Due Diligence Vendor-09/05/2025 <br> Open- - Due Diligence Vendor-09/05/2025 |  | Resolved-Under the Regulations adopted by the xxxxxx Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (9.508%) equals or exceeds the xxxxxx Higher-Priced Mortgage threshold of (8.11%). 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 (6.61%). (xxxxxx 09.03.06.02(B)(13); 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# 515 doc and the Final Closing disclosure on Pg# 283 reflects escrows. Rate lock date was entered correctly see Pg# lock pg 544 An interior and exterior appraisal was completed for this property – see Page# 19 the appraisal disclosure was provided to the borrower(s)- see Pg# 612, and copy of the appraisal was given to the borrower see Pg# 382 for the copy of the disclosure. The loan meets HPML guidelines" - Due Diligence Vendor-09/05/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846233 | xxxxxx | A | Closed | xxxxxx | 2025-09-05 03:32 | 2025-09-09 11:26 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (9.508%) APR equals or exceeds the Federal HPML threshold of (8.11%). 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 (6.61%).(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# 515 doc and the Final Closing disclosure on Pg# 283 reflects escrows. Rate lock date was entered correctly see Pg# lock pg 544 An interior and exterior appraisal was completed for this property – see Page# 19 the appraisal disclosure was provided to the borrower(s)- see Pg#612, and copy of the appraisal was given to the borrower see Pg# 382 for the copy of the disclosure. The loan meets HPML guidelines" <br> - Due Diligence Vendor-09/05/2025 <br> Open- - Due Diligence Vendor-09/05/2025 <br> Open- - Due Diligence Vendor-09/05/2025 |  | Resolved-The loan's (9.508%) APR equals or exceeds the Federal HPML threshold of (8.11%). 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 (6.61%).(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# 515 doc and the Final Closing disclosure on Pg# 283 reflects escrows. Rate lock date was entered correctly see Pg# lock pg 544 An interior and exterior appraisal was completed for this property – see Page# 19 the appraisal disclosure was provided to the borrower(s)- see Pg#612, and copy of the appraisal was given to the borrower see Pg# 382 for the copy of the disclosure. The loan meets HPML guidelines" <br> - Due Diligence Vendor-09/05/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 847153 | xxxxxx | C A | Closed | xxxxxx | 2025-09-05 14:31 | 2025-09-15 04:06 | Resolved | 1 - Information C A | Credit | Doc Issue | HOA Fee Difference | Resolved-Requested updated 1008 with HOA fee of $54.17 provided, updated & condition resolved.<br> - Due Diligence Vendor-09/15/2025 <br> Ready for Review-Document Uploaded. 1008 - Seller-09/12/2025 <br> Open-HOA Fee difference exsits between validated HOA and documents HOA fee per appraisal is $650 annually or $54.17 monthly which is not used by lender per 1008 document. - Due Diligence Vendor-09/05/2025 | Ready for Review-Document Uploaded. 1008 - Seller-09/12/2025 | Resolved-Requested updated 1008 with HOA fee of $54.17 provided, updated & condition resolved.<br> - Due Diligence Vendor-09/15/2025 |  |  | 1008.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 847153 | xxxxxx | C A | Closed | xxxxxx | 2025-09-05 14:22 | 2025-09-15 04:01 | Resolved | 1 - Information C A | Credit | Assets | Asset General | Resolved-Requested proof of EMD provided, updated & condition resolved. - Due Diligence Vendor-09/15/2025 <br> Ready for Review-Document Uploaded. EMD - Seller-09/12/2025 <br> Open-Proof of proof of document for EMD amount of $5,000 as it is not in file. - Due Diligence Vendor-09/05/2025 | Ready for Review-Document Uploaded. EMD - Seller-09/12/2025 | Resolved-Requested proof of EMD provided, updated & condition resolved. - Due Diligence Vendor-09/15/2025 |  |  | Earnest Money Receipt.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 847153 | xxxxxx | C A | Closed | xxxxxx | 2025-09-05 14:53 | 2025-09-15 05:35 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved- - Due Diligence Vendor-09/15/2025 <br> Open- - Due Diligence Vendor-09/15/2025 <br> Resolved-The loan's (8.552%) APR equals or exceeds the Federal HPML threshold of (8.29%). 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 (6.79%).(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 # 393 and the Final Closing disclosure on page # 201-205 reflects escrows. Rate lock on page # 423. An interior and exterior appraisal was completed for this property – see page # 22-58 and the appraisal disclosure was provided to the borrower(s) - see page # 477, 480 and confirmation the appraisal was delivered to the borrower(s) is - see page # 477, 480. The loan meets HPML guidelines. - Due Diligence Vendor-09/05/2025 <br> Open- - Due Diligence Vendor-09/05/2025 |  | Resolved- - Due Diligence Vendor-09/15/2025 <br> Resolved-The loan's (8.552%) APR equals or exceeds the Federal HPML threshold of (8.29%). 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 (6.79%).(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 # 393 and the Final Closing disclosure on page # 201-205 reflects escrows. Rate lock on page # 423. An interior and exterior appraisal was completed for this property – see page # 22-58 and the appraisal disclosure was provided to the borrower(s) - see page # 477, 480 and confirmation the appraisal was delivered to the borrower(s) is - see page # 477, 480. The loan meets HPML guidelines. - Due Diligence Vendor-09/05/2025 | 480 470 | 480 470 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 847284 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-10 01:43 | 2025-09-15 06:30 | 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-09/15/2025 <br> Ready for Review-Document Uploaded. Fraud Report - Seller-09/12/2025 <br> Open-Fraud Report Shows Uncleared Alerts Per the GL 08.08.2025 page # 26 a clear fraud report is required. The fraud report in file (page # 367) is showing 1 high uncleared alert. The required cleared report is missing.<br> - Due Diligence Vendor-09/10/2025 | Ready for Review-Document Uploaded. Fraud Report - Seller-09/12/2025 | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-09/15/2025 |  |  | Cleared Alerts.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 847284 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-10 01:29 | 2025-09-12 05:47 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-09/12/2025 <br> Ready for Review-Document Uploaded. xxxxxx SSR - Seller-09/11/2025 <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 The loan requires a secondary valuation or a UCDP report with a 2.5 or less from CU and/or LCA.<br> - Due Diligence Vendor-09/10/2025 | Ready for Review-Document Uploaded. xxxxxx SSR - Seller-09/11/2025 | Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-09/12/2025 |  |  | xxxxxx xxxxxx SSR.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 847284 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-10 02:09 | 2025-09-10 02:13 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (8.693%) APR equals or exceeds the Federal HPML threshold of (8.13%). 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 (6.63%).(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 # 390 and the Final Closing disclosure on page # 249-253 reflects escrows. Rate lock is on page #409. An interior and exterior appraisal was completed for this property – see page # 42-85 and the appraisal disclosure was provided to the borrower(s) - see page # 440, 224 and confirmation the appraisal was delivered to the borrower(s) is - see page # 224, 440. The loan meets HPML guidelines.<br> - Due Diligence Vendor-09/10/2025 <br> Open- - Due Diligence Vendor-09/10/2025 |  | Resolved-The loan's (8.693%) APR equals or exceeds the Federal HPML threshold of (8.13%). 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 (6.63%).(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 # 390 and the Final Closing disclosure on page # 249-253 reflects escrows. Rate lock is on page #409. An interior and exterior appraisal was completed for this property – see page # 42-85 and the appraisal disclosure was provided to the borrower(s) - see page # 440, 224 and confirmation the appraisal was delivered to the borrower(s) is - see page # 224, 440. The loan meets HPML guidelines.<br> - Due Diligence Vendor-09/10/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845374 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-15 07:35 | 2025-09-26 13:12 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-The client elects to waive with the following compensating factors - Due Diligence Vendor-09/26/2025 <br> Open-Assets reserves of 2.88 months does not meet minimum 3 months required per guidelines. - Due Diligence Vendor-09/26/2025 | Exception waiver provided. - 09/26/2025 <br>| Waived-The client elects to waive with the following compensating factors - Due Diligence Vendor-09/26/2025 | 35.44 % DTI - 50% DTI maximum<br> 787 FICO score - 700 FICO minimum<br> 67.24% LTV - 80% maximum | 35.44 % DTI - 50% DTI maximum<br> 787 FICO score - 700 FICO minimum<br> 67.24% LTV - 80% maximum |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | xxxxxx |
| 845374 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-18 01:08 | 2025-09-18 09:42 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (xxxxxx) | Resolved-Additional revised CD's were provided along with COC's to show increase in fees. - Due Diligence Vendor-09/18/2025 <br> Ready for Review-Document Uploaded. - Seller-09/18/2025 <br> Open-Broker Fees & Discount Point Fee increases in Final CD from Revised CD, Provide COC to cure the Tolerance - Due Diligence Vendor-09/18/2025 <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: 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)). - Due Diligence Vendor-09/18/2025 | Ready for Review-Document Uploaded. - Seller-09/18/2025 | Resolved-Additional revised CD's were provided along with COC's to show increase in fees. - Due Diligence Vendor-09/18/2025 |  |  | xxxxxx CC.pdf<br> xxxxxx CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 845374 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-17 11:35 | 2025-09-18 08:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Borrower 1 ITIN Information | Resolved-the ITIN document was provided - Due Diligence Vendor-09/18/2025 <br> Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-09/18/2025 <br> Ready for Review-Document Uploaded. - Seller-09/17/2025 <br> Open-Borrower 1 ITIN information Missing. Please provide acceptable documentation. - Due Diligence Vendor-09/17/2025 | Ready for Review-Document Uploaded. - Seller-09/17/2025 | Resolved-the ITIN document was provided - Due Diligence Vendor-09/18/2025 <br> Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-09/18/2025 |  |  | xxxxxx ITIN.pdf<br> xxxxxx Exc.pdf<br> xxxxxx CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 845374 | xxxxxx | D B A | Closed | xxxxxx | 2025-09-15 08:29 | 2025-09-18 01:11 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial Closing Disclosure uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-09/18/2025 <br> Ready for Review-Document Uploaded. - Seller-09/17/2025 <br> Open-TRID: Missing Closing Disclosure TRID: Missing Initial Closing Disclosure. - Due Diligence Vendor-09/15/2025 | Ready for Review-Document Uploaded. - Seller-09/17/2025 | Resolved-Initial Closing Disclosure uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-09/18/2025 |  |  | xxxxxx CD.pdf<br> xxxxxx Exc.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 844905 | xxxxxx | C B A | Closed | xxxxxx | 2025-09-09 06:34 | 2025-09-15 11:27 | Waived | 2 - Non-Material C B | Credit | Eligibility | Condo project is ineligible | Waived-The client elects to waive with the following compensating factors - Due Diligence Vendor-09/15/2025 <br> Ready for Review-xxxxxx approves exception. Ok to proceed. - Seller-09/12/2025 <br> Open-Made Exception on pg 1250 for 8.93% xxxxxx project reserve allocation versus minimum 10%.: per Appraisal Report xxxxxx property Does any single entity (the same individual, investor group, corporation, etc.) own more than 10% of the total units in the project? - Due Diligence Vendor-09/09/2025 | Ready for Review-xxxxxx approves exception. Ok to proceed. - Seller-09/12/2025 | Waived-The client elects to waive with the following compensating factors - Due Diligence Vendor-09/15/2025 | LTV is 70%. Maximum allowed per guidelines is 85%.<br> Credit Score is 755. Minimum required per guidelines is 720.<br> 33.68 months reserves - 6 months required (Purchase) | LTV is 70%. Maximum allowed per guidelines is 85%.<br> Credit Score is 755. Minimum required per guidelines is 720.<br> 33.68 months reserves - 6 months required (Purchase) |  | ATR/QM: Exempt | ATR/QM: Exempt | xxxxxx | xxxxxx | Investment | Purchase | NA | Originator Post-Close | No | xxxxxx |
| 846828 | xxxxxx | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA |  |  |  |
| 845800 | xxxxxx | A | Closed | xxxxxx | 2025-09-13 04:21 | 2025-09-17 14:32 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (9.101%) APR equals or exceeds the Federal HPML threshold of (8.13%). 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 (6.63%).(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 392 and the Final Closing disclosure on Pg#'s 247 reflects escrows. Rate lock date was entered correctly – see Pg#'s 425 An interior and exterior appraisal was completed for this property – see pg 36 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 456 and copy of the appraisal was given to the borrower – see Pg#'s 330 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-09/13/2025 <br> Open- - Due Diligence Vendor-09/13/2025 |  | Resolved-The loan's (9.101%) APR equals or exceeds the Federal HPML threshold of (8.13%). 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 (6.63%).(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 392 and the Final Closing disclosure on Pg#'s 247 reflects escrows. Rate lock date was entered correctly – see Pg#'s 425 An interior and exterior appraisal was completed for this property – see pg 36 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 456 and copy of the appraisal was given to the borrower – see Pg#'s 330 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-09/13/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845800 | xxxxxx | A | Closed | xxxxxx | 2025-09-13 04:21 | 2025-09-13 04:22 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | xxxxxx - Higher Priced Mortgage Loan (First Lien xxxxxx)(Conforming) | Resolved-Under the Regulations adopted by the xxxxxx Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (9.101%) equals or exceeds the xxxxxx Higher-Priced Mortgage threshold of (8.13%). 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 (6.63%). (COMAR 09.03.06.02(B)(13); 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 392 and the Final Closing disclosure on Pg#'s 247 reflects escrows. Rate lock date was entered correctly – see Pg#'s 425 An interior and exterior appraisal was completed for this property – see pg 36 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 412, 24 and copy of the appraisal was given to the borrower – see Pg#'s 24 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-09/13/2025 <br> Open- - Due Diligence Vendor-09/13/2025 |  | Resolved-Under the Regulations adopted by the xxxxxx Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (9.101%) equals or exceeds the xxxxxx Higher-Priced Mortgage threshold of (8.13%). 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 (6.63%). (xxxxxx 09.03.06.02(B)(13); 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 392 and the Final Closing disclosure on Pg#'s 247 reflects escrows. Rate lock date was entered correctly – see Pg#'s 425 An interior and exterior appraisal was completed for this property – see pg 36 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 412, 24 and copy of the appraisal was given to the borrower – see Pg#'s 24 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-09/13/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846354 | xxxxxx | C B A | Closed | xxxxxx | 2025-09-16 08:46 | 2025-09-30 22:58 | Resolved | 1 - Information C A | Compliance | Compliance | Note has incorrect information | Resolved-received the corrected note with borrower signature only - Due Diligence Vendor-10/01/2025 <br> Ready for Review-Document Uploaded. - Seller-09/30/2025 <br> Counter-The Exception provided is not for the subject loan. Note is deficient as it was signed by borrower and non-borrowing spouse.. Provide executed Note with borrower signature only. - Due Diligence Vendor-09/22/2025 <br> Ready for Review-Document Uploaded. - Seller-09/22/2025 <br> Open-Note is signed by borrower and non-borrowing spouse. Provide executed Note with borrower signature only. - Due Diligence Vendor-09/16/2025 | Ready for Review-Document Uploaded. - Seller-09/30/2025 <br> Ready for Review-Document Uploaded. - Seller-09/22/2025 | Resolved-received the corrected note with borrower signature only - Due Diligence Vendor-10/01/2025 |  |  | Exception.pdf<br> xxxxxx Note.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846354 | xxxxxx | C B A | Closed | xxxxxx | 2025-09-13 01:25 | 2025-09-16 10:57 | Waived | 2 - Non-Material B | Credit | Credit | OFAC Search shows Borrower/Guarantors/Key Principals as not clear | Waived-The client elects to waive with the following compensating factors-Exception page 413<br> Exception Reason - Other: To allow borrower who is from an OFAC Sanctioned Country (xxxxxx). Borrower is not personally listed on the OFAC sanctioned list.<br> Client elects to waive with the following compensating factors. - Due Diligence Vendor-09/16/2025 |  | Waived-Exception page 413<br> Exception Reason - Other: To allow borrower who is from an OFAC Sanctioned Country (xxxxxx). Borrower is not personally listed on the OFAC sanctioned list.<br> Client elects to waive with the following compensating factors. - Due Diligence Vendor-09/16/2025 | LTV - Loan File 77%, GL Requirement Max 85%.<br> Credit Score - Loan File 739, GL Requirement Min 700.<br> Residual Income - Loan File $2614.79, GL Requirement minimum $1500 + $150 per dependent (1)= $1650  | LTV - Loan File 77%, GL Requirement Max 85%.<br> Credit Score - Loan File 739, GL Requirement Min 700.<br> Residual Income - Loan File $2614.79, GL Requirement minimum $1500 + $150 per dependent (1)= $1650  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 846354 | xxxxxx | C B A | Closed | xxxxxx | 2025-09-13 01:08 | 2025-09-16 09:56 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (8.453%) APR equals or exceeds the Federal HPML threshold of (8.13%). 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 (6.63%).(12 CFR 1026.35(a)(1)(i)) <br> 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 399 and the Final Closing disclosure on Pg#'s 178 reflects escrows. Rate lock date was entered correctly – see Pg#'s 425. An interior and exterior appraisal was completed for this property – see pg 43 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 475-476 and copy of the appraisal was given to the borrower – see Pg#'s 71 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-09/13/2025 <br> Open- - Due Diligence Vendor-09/16/2025 <br> Open- - Due Diligence Vendor-09/13/2025 <br> Open- - Due Diligence Vendor-09/13/2025 |  | Resolved-The loan's (8.453%) APR equals or exceeds the Federal HPML threshold of (8.13%). 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 (6.63%).(12 CFR 1026.35(a)(1)(i)) <br> 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 399 and the Final Closing disclosure on Pg#'s 178 reflects escrows. Rate lock date was entered correctly – see Pg#'s 425. An interior and exterior appraisal was completed for this property – see pg 43 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 475-476 and copy of the appraisal was given to the borrower – see Pg#'s 71 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-09/13/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 845375 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-13 00:03 | 2025-09-24 07:42 | Resolved | 1 - Information A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-Resolved. PCCD and Wire Confirmation dated xxxxxx received - Due Diligence Vendor-09/24/2025 <br> Resolved-Resolved - Due Diligence Vendor-09/24/2025 <br> Ready for Review-Document Uploaded. Updated CD and wire confirmation with a disbursement date of xxxxxx is attached. - Seller-09/23/2025 <br> Counter-The previous Condition was for the transaction date and cancel dates on the ROR however, this Condition is for Disbursement Date on the Final CD. The cancel date on the ROR is xxxxxx; therefore, the disbursement date on the Final CD should reflect xxxxxx but it reflects xxxxxx. Provide supporting documentation that funds were disbursed on or after xxxxxx - Due Diligence Vendor-09/22/2025 <br> Ready for Review-Believe this is the same condition duplicated and resolved already? - Seller-09/22/2025 <br> Open-Updated ROR received with cancel date of xxxxxx. Final CD reflects a disbursement date of xxxxxx. Provide supporting documentation that funds were disbursed after xxxxxx. - Due Diligence Vendor-09/19/2025 <br> Rescinded-The loan disbursement date (xxxxxx) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (xxxxxx). 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) - Due Diligence Vendor-09/19/2025 <br> Open- - Due Diligence Vendor-09/19/2025 <br> Open- - Due Diligence Vendor-09/18/2025 <br> Open- - Due Diligence Vendor-09/13/2025 | Ready for Review-Document Uploaded. Updated CD and wire confirmation with a disbursement date of xxxxxx is attached. - Seller-09/23/2025 <br> Ready for Review-Believe this is the same condition duplicated and resolved already? - Seller-09/22/2025 | Resolved-Resolved. PCCD and Wire Confirmation dated xxxxxx received - Due Diligence Vendor-09/24/2025 <br> Resolved-Resolved - Due Diligence Vendor-09/24/2025 <br> Rescinded-The loan disbursement date (xxxxxx) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (xxxxxx). 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) - Due Diligence Vendor-09/19/2025 |  |  | Wire Confirmation.pdf<br> PCCD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 845375 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-13 00:03 | 2025-09-19 04:45 | Resolved | 1 - Information C A | Compliance | Rescission:Variance | Federal - Right of Rescission Variance Failure (TILA) | Resolved-Resolved. Updated ROR received - Due Diligence Vendor-09/19/2025 <br> Resolved- - Due Diligence Vendor-09/19/2025 <br> Ready for Review-Document Uploaded. Revised RTC uploaded. - Seller-09/18/2025 <br> Open- - Due Diligence Vendor-09/18/2025 <br> Open-The disclosed "Right to Cancel Expire Date" (xxxxxx) is earlier than the system calculated "Right to Cancel Expire Date" (xxxxxx). 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) ROR reflects transaction date of xxxxxx with a cancel date of xxxxxx; however, borrower executed the closing docs (DOT, CD, etc) on xxxxxx including ROR document with a signature date of xxxxxx. The cancellation date should be xxxxxx - Due Diligence Vendor-09/13/2025 <br> Open- - Due Diligence Vendor-09/13/2025 | Ready for Review-Document Uploaded. Revised RTC uploaded. - Seller-09/18/2025 | Resolved-Resolved. Updated ROR received - Due Diligence Vendor-09/19/2025 |  |  | RTC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 845375 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-13 00:03 | 2025-09-18 05:05 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (xxxxxx) | Resolved-Resolved. Revised LE and COC received. - Due Diligence Vendor-09/18/2025 <br> Resolved- - Due Diligence Vendor-09/18/2025 <br> Ready for Review-Document Uploaded. - Seller-09/17/2025 <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: Inspection 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)). Provide COC for the Initial CD with the addition of the Final inspection fee iao $200 - Due Diligence Vendor-09/13/2025 <br> Open- - Due Diligence Vendor-09/13/2025 | Ready for Review-Document Uploaded. - Seller-09/17/2025 | Resolved-Resolved. Revised LE and COC received. - Due Diligence Vendor-09/18/2025 |  |  | xxxxxx CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 845375 | xxxxxx | D A C | Closed | xxxxxx | 2025-09-17 09:50 | 2025-09-18 04:47 | Resolved | 1 - Information D A | Credit | Missing Doc | File does not contain all required Asset Statement(s) | Resolved-Resolved. Asset Worksheet received. - Due Diligence Vendor-09/18/2025 <br> Ready for Review-Document Uploaded. - Seller-09/17/2025 <br> Open-Provide Asset Worksheet - Due Diligence Vendor-09/17/2025 | Ready for Review-Document Uploaded. - Seller-09/17/2025 | Resolved-Resolved. Asset Worksheet received. - Due Diligence Vendor-09/18/2025 |  |  | xxxxxx Asset worksheet.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxxxxx |
| 846365 | xxxxxx | B A | Closed | xxxxxx | 2025-09-17 08:02 | 2025-09-17 08:02 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-The client elects to waive with the following compensating factors-Audited Reserves of 3.94 month(s) are less than Guideline Required Reserves of 6 month(s) Exception page 232<br> Reason: Reserves - Loan File 3.94 months, GL Requirement 3 Months + additional 3 months reserves requirement = 6 months<br> Client elects to waive with the following compensating factors. - Due Diligence Vendor-09/17/2025 |  | Waived-Audited Reserves of 3.94 month(s) are less than Guideline Required Reserves of 6 month(s) Exception page 232<br> Reason: Reserves - Loan File 3.94 months, GL Requirement 3 Months + additional 3 months reserves requirement = 6 months<br> Client elects to waive with the following compensating factors. - Due Diligence Vendor-09/17/2025 | Credit Score- Loan File 714, GL Requirement Min 700<br> DTI- Loan File 23.53%, GL Requirement Max 50%<br> Residual Income- Loan File $5349.27, GL Requirement Min $1500<br> Borrower Contribution >5% above min- Loan File 20%, GL Requirement Min 10%<br> Job Stability- Loan File 4 yrs, GL Requirement Min 1 yr0-<br>| Credit Score- Loan File 714, GL Requirement Min 700<br> DTI- Loan File 23.53%, GL Requirement Max 50%<br> Residual Income- Loan File $5349.27, GL Requirement Min $1500<br> Borrower Contribution >5% above min- Loan File 20%, GL Requirement Min 10%<br> Job Stability- Loan File 4 yrs, GL Requirement Min 1 yr0-<br>|  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | Originator Pre-Close | Yes | xxxxxx |
| 846365 | xxxxxx | B A | Closed | xxxxxx | 2025-09-13 06:08 | 2025-09-17 08:19 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(Conforming) | Resolved-The loan's (8.484%) APR equals or exceeds the Federal HPML threshold of (8.13%). 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 (6.63%).(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 192 and the Final Closing disclosure on Pg#'s 105 reflects escrows. Rate lock date was entered correctly – see Pg#'s 213 An interior and exterior appraisal was completed for this property – see pg 27 , the appraisal disclosure was provided to the borrower(s)- see Pg#'250 , and copy of the appraisal was given to the borrower – see Pg#'s 221-222 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-09/13/2025 <br> Open- - Due Diligence Vendor-09/17/2025 <br> Open- - Due Diligence Vendor-09/13/2025 |  | Resolved-The loan's (8.484%) APR equals or exceeds the Federal HPML threshold of (8.13%). 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 (6.63%).(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 192 and the Final Closing disclosure on Pg#'s 105 reflects escrows. Rate lock date was entered correctly – see Pg#'s 213 An interior and exterior appraisal was completed for this property – see pg 27 , the appraisal disclosure was provided to the borrower(s)- see Pg#'250 , and copy of the appraisal was given to the borrower – see Pg#'s 221-222 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-09/13/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Purchase | NA | N/A | N/A | xxxxxx |
| 846361 | xxxxxx | D A | Closed | xxxxxx | 2025-09-25 05:51 | 2025-09-25 06:12 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (xxxxxx) | Resolved-Resolved, received COC's. - Due Diligence Vendor-09/25/2025 <br> Resolved- - Due Diligence Vendor-09/25/2025 <br> Resolved- - Due Diligence Vendor-09/25/2025 <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: Credit Report Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). . - Due Diligence Vendor-09/25/2025 <br> Open- - Due Diligence Vendor-09/25/2025 |  | Resolved-Resolved, received COC's. - Due Diligence Vendor-09/25/2025 <br> Resolved- - Due Diligence Vendor-09/25/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 846361 | xxxxxx | D A | Closed | xxxxxx | 2025-09-24 11:26 | 2025-09-25 06:12 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Resolved, received LE's and COC's. - Due Diligence Vendor-09/25/2025 <br> Ready for Review-Resolved, received all loan estimates and COC's. - Due Diligence Vendor-09/25/2025 <br> Ready for Review-Document Uploaded. - Seller-09/24/2025 <br> Open-TRID: Missing Closing Disclosure Provide the Initial CD, related COC and the Disclosure Tracking Summary. - Due Diligence Vendor-09/24/2025 | Ready for Review-Document Uploaded. - Seller-09/24/2025 | Resolved-Resolved, received LE's and COC's. - Due Diligence Vendor-09/25/2025 |  |  | xxxxxx CC.pdf<br> xxxxxx CD initial.pdf<br> xxxxxx CC.pdf<br> xxxxxx CC.pdf<br> xxxxxx CC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |
| 846361 | xxxxxx | D A | Closed | xxxxxx | 2025-09-25 05:51 | 2025-09-25 06:11 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien xxxxxx)(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 page 334 and the Final Closing disclosure on page Findings reflects escrows. Rate lock date was entered correctly – see page 353. An interior and exterior appraisal was completed for this property – see page 30, the appraisal disclosure was provided to the borrower(s)- see page 427, and copy of the appraisal was given to the borrower – see page 203. The loan meets HPML guidelines. - Due Diligence Vendor-09/25/2025 <br> Open- - Due Diligence Vendor-09/25/2025 <br> Open- - Due Diligence Vendor-09/25/2025 <br> Open-The loan's (8.816%) APR equals or exceeds the Federal HPML threshold of (8.25%). 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 (6.75%).(12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-09/25/2025 <br> Open- - Due Diligence Vendor-09/25/2025 |  | 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 page 334 and the Final Closing disclosure on page Findings reflects escrows. Rate lock date was entered correctly – see page 353. An interior and exterior appraisal was completed for this property – see page 30, the appraisal disclosure was provided to the borrower(s)- see page 427, and copy of the appraisal was given to the borrower – see page 203. The loan meets HPML guidelines. - Due Diligence Vendor-09/25/2025 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxxxxx | xxxxxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxxxxx |

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## Exhibit 99.24

**EXHIBIT 99.24**

**Selene Rating Agency Grades Report**

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 844214 | xxxxxx |  | xxxxxx D C B A |
| 840079 | xxxxxx |  | xxxxxx D A B |
| 838924 | xxxxxx |  | xxxxxx C A B |
| 841087 | xxxxxx |  | xxxxxx D A |
| 840080 | xxxxxx |  | xxxxxx A |
| 842661 | xxxxxx |  | xxxxxx C A B |
| 841743 | xxxxxx |  | xxxxxx C A |
| 843068 | xxxxxx |  | xxxxxx A C |
| 841420 | xxxxxx |  | xxxxxx C A B |
| 842491 | xxxxxx |  | xxxxxx C A B |
| 841295 | xxxxxx |  | xxxxxx D A |
| 842494 | xxxxxx |  | xxxxxx D C A |
| 843757 | xxxxxx |  | xxxxxx C A |
| 841415 | xxxxxx |  | xxxxxx C D A B |
| 843069 | xxxxxx |  | xxxxxx A D |
| 842504 | xxxxxx |  | xxxxxx A D |
| 843056 | xxxxxx |  | xxxxxx C D A B |
| 842657 | xxxxxx |  | xxxxxx A |
| 842966 | xxxxxx |  | xxxxxx A |
| 843828 | xxxxxx |  | xxxxxx A D B |
| 844227 | xxxxxx |  | xxxxxx C A |
| 842493 | xxxxxx |  | xxxxxx C A B |
| 843979 | xxxxxx |  | xxxxxx A |
| 844054 | xxxxxx |  | xxxxxx D A |
| 843410 | xxxxxx |  | xxxxxx C D A B |
| 844569 | xxxxxx |  | xxxxxx C D A B |
| 846911 | xxxxxx |  | xxxxxx C A B |
| 844980 | xxxxxx |  | xxxxxx A |
| 844565 | xxxxxx |  | xxxxxx C D A |
| 845507 | xxxxxx |  | xxxxxx D A |
| 846108 | xxxxxx |  | xxxxxx C A D |
| 846648 | xxxxxx |  | xxxxxx C A |
| 843939 | xxxxxx |  | xxxxxx C A D |
| 845870 | xxxxxx |  | xxxxxx D A |
| 846095 | xxxxxx |  | xxxxxx A |
| 845313 | xxxxxx |  | xxxxxx A D |
| 843096 | xxxxxx |  | xxxxxx A |
| 845372 | xxxxxx |  | xxxxxx A C |
| 845346 | xxxxxx |  | xxxxxx A D |
| 845327 | xxxxxx |  | xxxxxx A |
| 845336 | xxxxxx |  | xxxxxx A D |
| 843075 | xxxxxx |  | xxxxxx C D A B |
| 845312 | xxxxxx |  | xxxxxx B A |
| 846275 | xxxxxx |  | xxxxxx D A |
| 845860 | xxxxxx |  | xxxxxx C A |
| 846009 | xxxxxx |  | xxxxxx C A |
| 846305 | xxxxxx |  | xxxxxx C A B |
| 846182 | xxxxxx |  | xxxxxx D A |
| 845332 | xxxxxx |  | xxxxxx C A B |
| 843088 | xxxxxx |  | xxxxxx A C |
| 846353 | xxxxxx |  | xxxxxx C A B |
| 845369 | xxxxxx |  | xxxxxx C A |
| 846367 | xxxxxx |  | xxxxxx A D |
| 845337 | xxxxxx |  | xxxxxx C A |
| 846349 | xxxxxx |  | xxxxxx A |
| 846647 | xxxxxx |  | xxxxxx A |
| 845338 | xxxxxx |  | xxxxxx A C |
| 846352 | xxxxxx |  | xxxxxx C A |
| 845335 | xxxxxx |  | xxxxxx A D |
| 845368 | xxxxxx |  | xxxxxx A D |
| 846355 | xxxxxx |  | xxxxxx B A |
| 846362 | xxxxxx |  | xxxxxx C A B |
| 846173 | xxxxxx |  | xxxxxx C A |
| 846317 | xxxxxx |  | xxxxxx C A |
| 846796 | xxxxxx |  | xxxxxx A |
| 846848 | xxxxxx |  | xxxxxx C A |
| 845326 | xxxxxx |  | xxxxxx C D A B |
| 846363 | xxxxxx |  | xxxxxx A |
| 846364 | xxxxxx |  | xxxxxx A D |
| 846350 | xxxxxx |  | xxxxxx A |
| 846233 | xxxxxx |  | xxxxxx A |
| 847153 | xxxxxx |  | xxxxxx C A |
| 847284 | xxxxxx |  | xxxxxx C A D |
| 845374 | xxxxxx |  | xxxxxx D A B |
| 844905 | xxxxxx |  | xxxxxx C A B |
| 846828 | xxxxxx |  | xxxxxx A |
| 845800 | xxxxxx |  | xxxxxx A |
| 846354 | xxxxxx |  | xxxxxx B C A |
| 845375 | xxxxxx |  | xxxxxx D C A |
| 846365 | xxxxxx |  | xxxxxx B A |
| 846361 | xxxxxx |  | xxxxxx A D |

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## Exhibit 99.25

**EXHIBIT 99.25**

**Selene Data Compare Report**

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| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 838924 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | As per appraisal report property type is 2 to 4 units |
| 841087 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Property type is PUD verified from appraisal page 27,359 |
| 841087 | xxxxxx |  | xxxxxx | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 5672.89 | 4632.51 | Qualifying Total Housing expenses PITIA is matching with 1008 Tape data not included Taxes and Insurance and HOA amount. |
| 841087 | xxxxxx |  | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Note date verified from note document page 339 |
| 841087 | xxxxxx |  | xxxxxx | Borrower 1 Self-Employment Flag | employmentIncomePage | No | Yes | Borrower 1 Self-Employment Flag updated as per final 1003 |
| 841087 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | Asset Depletion – Debt Ratio Calculation | ALT DOC | Doctype updated per loan program & documentation. |
| 840080 | xxxxxx |  | xxxxxx | Monthly Property Tax Amount | titlePage | xxxxxx | xxxxxx | County Tax iao $xxxxxx/ 12 months= $xxxxxx and City Tax iao $xxxxxx/12 months-$xxxxxx. $xxxxxx + xxxxxx = $xxxxxx |
| 840080 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | Single Family Detached | Attached | Property type confirmed with appraisal. |
| 842661 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Verified property type as 2-4 Unit per Appraisal Report. |
| 841743 | xxxxxx |  | xxxxxx | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 1697.78 | 1309.78 | Qualifying Total Housing expenses PITIA is matching with 1008 Tape data not included HOA amount, Escrow waiver is on page 345 |
| 841743 | xxxxxx |  | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Note Date verified from Note document page #578. Tape Data is the Disbursement Date. |
| 841743 | xxxxxx |  | xxxxxx | Calculated DSCR | diligenceFinalLookPage | 1.06 | 1.01 | Our calculated DSCR is Rent $1800/PITIA $1697.80 = 1.060, Underwriter considered DSCR is 1.011 difference is 0.049 difference is due to insurance amount. Lender provided a corrected 1008 & DSCR calculator with the correct figures. Figures match at 1.06 DSCR. |
| 841743 | xxxxxx |  | xxxxxx | Prepayment Penalty Type | notePage | Hard | 5 | Prepayment Penalty type updated as per addendum page 13 |
| 841743 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | ALT DOC | Doctype updated per loan program & documentation. |
| 841420 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | Townhouse | PUD | Property Type considered from Appraisal Document. |
| 841295 | xxxxxx |  | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Application Date xxxxxx considered from Credit report. Initial 1003 is missing, |
| 841295 | xxxxxx |  | xxxxxx | Maturity Date | notePage | xxxxxx | xxxxxx | Maturity Date xxxxxx confirmed from Note. |
| 842494 | xxxxxx |  | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Updated Application Date as per Credit Report |
| 842494 | xxxxxx |  | xxxxxx | Prepayment Penalty Total Term | notePage | 36 | NA | Updated as per Note and PPP Rider |
| 842494 | xxxxxx |  | xxxxxx | Maturity Date | notePage | xxxxxx | xxxxxx | Verified Maturity Date of xxxxxx from Note. |
| 843757 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | Townhouse | PUD | Property Type updated as Townhouse. |
| 843757 | xxxxxx |  | xxxxxx | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 4567.47 | 4197.47 | Tape Data not included HOA amount and the subject property is PUD. HOA per Appraisal Report is $370. |
| 843757 | xxxxxx |  | xxxxxx | Prepayment Penalty Type | notePage | Hard | 5 | Prepayment Penalty Type updated Correctly. |
| 843757 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | ALT DOC | File is DSCR not required for Income documents. |
| 843069 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | Townhouse | PUD | Property is signal family attached so consider as Townhouse. |
| 843056 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Verified Property type is 2-4 Unit. |
| 843828 | xxxxxx |  | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Tape considered the disbursement date as note date. |
| 844227 | xxxxxx |  | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Note date verified from Note document. Tape Data is the Disbursement Date. |
| 844227 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | Doctype updated as per loan program and documentation. |
| 842493 | xxxxxx |  | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 808 | 785 | As per GL selected FICO method |
| 844054 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Property type is PUD verified from appraisal pg#46 and PUD rider is on pg#545. |
| 844054 | xxxxxx |  | xxxxxx | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 2547.5 | 2472.86 | Tape Data not included HOA amount and the subject property is PUD. HOA per Appraisal Report is $475/12=$39.58. |
| 844054 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | Doctype updated as per loan program and documentation. |
| 844054 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 43.35 | 43.16 | DTI discrepancy on the loan, as per the DTI calculations our calculated DTI is 43.35% but Tape data DTI is 43.16%. Variance is 0.19 within tolerance due to Monthly Property Tax premium amount showing as per Final CD on page#250. Monthly Property Taxes showing as $xxxxxx and Homeowners Insurance Premium showing as $202.14 but 1008 document on page#748 Monthly Property Taxes showing as $xxxxxx & Other Taxes showing as $xxxxxx and Homeowners Insurance Premium showing as $221.52. |
| 843410 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Property is 2-4 unit, Confirmed and considered from Appraisal document |
| 843410 | xxxxxx |  | xxxxxx | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | 05-13-2025 | 07/07/2025 | Version date updated as per Initial 1003 document |
| 844569 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Property type is 2 to 4 Units verified from appraisal pg #43 and 1-4 rider is on pg. #1 |
| 844569 | xxxxxx |  | xxxxxx | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 7716.02 | 7724.05 | Qualifying Total Housing Expense PITIA is matching with 1008 document. |
| 844569 | xxxxxx |  | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Note date verified from Note document |
| 844569 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | 24 Month Bank Statement | ALT DOC | Doctype updated as per loan program and documentation. |
| 844569 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 32.14 | 32.20 | DTI discrepancy on the loan, as per the DTI calculations our calculated DTI is 32.14% but Tape data DTI is 32.20%. Variance is 0.06 within tolerance. |
| 844569 | xxxxxx |  | xxxxxx | B1 Verified Citizenship Designation | fraudReportPage | xxxxxx | xxxxxx | B1 Verified Citizenship Designation updated Correctly. |
| 844980 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | True data is correct, subject property is PUD per 1008, DOYT, appraisal. |
| 844980 | xxxxxx |  | xxxxxx | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 3586.02 | 3433.02 | True data is correct, tape data was not included HOA amount of $153 whereas true data shows PITIA. |
| 844980 | xxxxxx |  | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | True data is correct, verified from Note doc. |
| 844980 | xxxxxx |  | xxxxxx | Borrower 1 Self-Employment Flag | employmentIncomePage | No | Yes | True data is correct, borrower is a wage earner per income documentation. |
| 844980 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | 2YR Full Doc | Full Doc | True data is correct, paystubs, VOE, tax returns used for income calculation and hence doc type updated as 2 years full doc. |
| 844565 | xxxxxx |  | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Note date verified from Note document |
| 844565 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | Doctype updated as per loan program and documentation. |
| 844565 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 30.69 | 23.99 | Audit DTI is 30.6925%. Difference is due to a difference in credit report debt used as well as the lender's exclusion of 2 REO properties owned by the borrower. Lender then submitted a corrected 1008 with a new DTI of 30.690%, which now matches the Audit review. |
| 845507 | xxxxxx |  | xxxxxx | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 19994.25 | 6496.76 | Tape data shows only subject PITIA whereas true data shows subject PITIA and B2 primary housing expenses. |
| 845507 | xxxxxx |  | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | True data is correct, verified from Note doc. |
| 845507 | xxxxxx |  | xxxxxx | Borrower 1 Self-Employment Flag | employmentIncomePage | No | Yes | True data is correct, B1 is a wage earner, not self employed per income docs on file. |
| 845507 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | 24 Month Bank Statement | ALT DOC | True data is correct, B2 income is higher than B1 doc type updated as 24 months bank statements as they are used for B2 income calculation. |
| 846108 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Property type confirmed with appraisal report and PUD Rider. |
| 846108 | xxxxxx |  | xxxxxx | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 9483.2 | 9358.20 | PUD property with month HOA amount of $125 and It's not Escrows. |
| 846108 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | 1099 Verified | ALT DOC | 1099 is used and it's falls under Alt Doc category. |
| 846108 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 23.09 | 23.49 | Audit DTI is 23.0938%. Difference is 0.3962%; within tolerance. The variance is due to a calculation difference in the other REO property expense. |
| 846648 | xxxxxx |  | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Note date verified from Note document page 439 |
| 846648 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | Doctype updated per loan program & documentation. |
| 843939 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | True data is correct, subject is a PUD per 1008, DOT, appraisal. |
| 843939 | xxxxxx |  | xxxxxx | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 6132.31 | 6042.31 | True data is correct, tape data was not included HOA amount of $90 whereas true data shows PITIA. |
| 843939 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | True data is correct, 12 months bank statements are used for loan qualification and hence doc type updated the same. |
| 845870 | xxxxxx |  | xxxxxx | Borrower 1 Self-Employment Flag | employmentIncomePage | No | Yes | True data is correct, B1 is a wage earner per income docs. B2 is self-employed. |
| 845870 | xxxxxx |  | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | True data is correct, verified from Note doc. Tape Data is the Disbursement Date. |
| 845870 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | True data is correct, B1 wage income is higher than B2 bank statements income, and YTD paystubs, W2s ae used for B1 income calculation and hence doc type updated as full doc. |
| 845870 | xxxxxx |  | xxxxxx | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 5208.21 | 4792.21 | True data is correct, tape data was not included HOA amount of $416 whereas true data shows PITIA. |
| 846095 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | Doctype updated as per loan program and documentation. |
| 845313 | xxxxxx |  | xxxxxx | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 30.64 | 29.31 | Primary housing expenses without All other Payments $3,482.15 / Gross Monthly income $11,366.26 \*100 = 30.64 |
| 845313 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 37.36 | 35.74 | Total monthly Expenses $4246.15 / Gross Monthly income $11,366.26 \*100 = 37.35 |
| 843096 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | 2YR Full Doc | Full Doc 24 months | Verified Doc Type considered as per guidelines requirements. |
| 843096 | xxxxxx |  | xxxxxx | Prepayment Penalty Total Term | notePage | 0 | NA | Prepayment Penalty Total Term 0 confirmed . |
| 843096 | xxxxxx |  | xxxxxx | Loan Purpose | the1003Page | Refinance | No Cash-Out Refi | Loan Purpose considered from Lock document. |
| 845372 | xxxxxx |  | xxxxxx | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | 07-07-2025 | 07/07/2023 | GL version is 07/07/2025 |
| 845372 | xxxxxx |  | xxxxxx | Loan Purpose | the1003Page | Refinance | No Cash-Out Refi | purpose is refinance no cashout |
| 845372 | xxxxxx |  | xxxxxx | Borrower 2 Last Name | notePage | xxxxxx | xxxxxx | Updated as per photo ID |
| 843075 | xxxxxx |  | xxxxxx | Loan Purpose | the1003Page | Refinance | No Cash-Out Refi | File is refinance no cash out |
| 845312 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | Townhouse | PUD | As per Guidelines PUD Attached we can be considered as TOWN house. |
| 845312 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | 1YR Business P&L | P&L Only 12 months | Verified Doc Type considered has Guideless Requirement. |
| 845312 | xxxxxx |  | xxxxxx | Prepayment Penalty Total Term | notePage | 0 | NA | Prepayment Penalty Total Term 0 confirmed. |
| 846275 | xxxxxx |  | xxxxxx | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 3900.13 | 2980.13 | True data is correct, verified from 1008, final CD. |
| 846275 | xxxxxx |  | xxxxxx | Borrower 1 Self-Employment Flag | employmentIncomePage | No | Yes | True data is correct, borrower is not self employed. Asset Utilization was used for income calculation |
| 846275 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | Asset Utilization (DTI) | ALT DOC | True data is correct, Asset Utilization was used for income calculation and hence doc type updated the same. |
| 846275 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 43.75 | 39.09 | Audited DTI is 43.7532% and lender DTI is 46.3223%. The difference is 2.5691%.<br>This is because (1) lender considered qualifying income as $17,737.61 per 1008 where as final 1003, lender worksheet, calculated income is $20,049.18. (2) Lender considered monthly liabilities as $8,216.47 whereas per our calculations it is $8,772.15 (credit liabilities $3,451 + primary housing expenses $1,421.02 + subject PITIA $3,900.12 = $8,772.15). |
| 845860 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | True data is correct, property is a PUD per 1008, DOT, appraisal. |
| 845860 | xxxxxx |  | xxxxxx | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 3692.45 | 3661.20 | True data is correct, tape data was not included HOA amount whereas true data shows PITIA. |
| 845860 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | True data is correct, 12 months bank statements are used for income calculation and hence doc type updated the same. |
| 845860 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 49.9 | 49.99 | Audit DTI is 49.8969%. Lender DTI is 49.9929%. Difference of 0.096% is within tolerance. This difference is due to that lender considered HOA amount as $50 monthly per the 1008, whereas Appraisal shows HOA amount as $375 annually or $31.25 monthly. |
| 846009 | xxxxxx |  | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | True data is correct, verified from Note doc. |
| 846009 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | True data is correct, 12 months bank statements are used for income calculation and hence doc type updated the same. |
| 846305 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | True data is correct, 12 months bank statements are used for income calculation and hence doc type updated the same. |
| 846305 | xxxxxx |  | xxxxxx | Borrower 1 Self-Employment Flag | employmentIncomePage | No | Yes | True data is correct, B1 is not employed per income docs. |
| 846305 | xxxxxx |  | xxxxxx | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 4707.11 | 2992.11 | True data is correct, tape data shows only P&I amount whereas true data shows PITIA. |
| 846305 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 17.41 | 17.85 | Audited DTI is 17.41 and lender DTI is 17.85. The difference is 0.45 which is within the tolerance. This variance is due to the difference HOA amount, finding in place for correct HOA amount. |
| 846182 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Property type is PUD verified from appraisal pg#37 and PUD rider is on pg#523.<br>|
| 846182 | xxxxxx |  | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Note date verified from Note document |
| 846182 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | 24 Month Bank Statement | ALT DOC | Doctype updated as per loan program and documentation. |
| 846182 | xxxxxx |  | xxxxxx | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 6750.58 | 6671.66 | Tape Data not included HOA amount and the subject property is PUD. HOA per Appraisal Report is $947/12=$78.92. |
| 846182 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 17.63 | 17.67 | DTI discrepancy on the loan, as per the DTI calculations our calculated DTI is 17.63% but Tape data DTI is 17.67%. Variance is 0.04 within tolerance. |
| 843088 | xxxxxx |  | xxxxxx | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | 07-07-2025 | 05/13/2025 | Updated as per latest Guidelines lock date showing 07/10/2025 in dropdown reflects 07/07/2025. |
| 846353 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 47.9 | 48.00 | Total monthly Expenses $7,279.03 / Gross Monthly income $19,187.84 \*100 = 37.94 DTI the difference is due to incorrect income in 1003  |
| 846367 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 23.14 | 23.36 | DTI is within tolerance with a variance of 0.67, |
| 845337 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | 1YR Business P&L | P&L Only 12 months | Verified Doc Type considered as per guidelines . |
| 845337 | xxxxxx |  | xxxxxx | Prepayment Penalty Total Term | notePage | 0 | NA | Prepayment Penalty Total Term 0 confirmed. |
| 846647 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | Property type is PUD verified from appraisal page 35 and PUD rider is on page 517. |
| 846647 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | Doctype updated per loan program & documentation. |
| 846647 | xxxxxx |  | xxxxxx | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 4104.58 | 4000.41 | Qualifying Total Housing expenses PITIA is matching with 1008 Tape data not included HOA amount. |
| 846352 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 18.83 | 18.84 | the difference is below $1 |
| 846362 | xxxxxx |  | xxxxxx | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | xxxxxx | xxxxxx | Loan Program confirmed |
| 846362 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 49.08 | 48.89 | Entered liabilities as per credit report updated. |
| 846173 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | True data is correct, property is a PUD per 1008, DOT, appraisal. |
| 846173 | xxxxxx |  | xxxxxx | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 4129.18 | 4079.18 | True data is correct, tape data was not included HOA amount of $50 whereas true data shows PITIA. |
| 846173 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | True data is correct, 12 months bank statements are used for income calculation nd hence doc type updated the same. |
| 846173 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 40.07 | 28.10 | Audited DTI is 40.07 and lender DTI is 28.10. the difference is 11.97. This is because lender did not consider below installement accounts in monthly liabilities per final 1003:<br> (1) xxxxxx# xxxxxxwith monthly payment of $1,333<br> (2) xxxxxx # xxxxxx with monthly payment of $1,232. Finding in place. |
| 846317 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | True Data is correct property type is PUD as per 1003, 1004,1008 also PUD rider available in file. |
| 846317 | xxxxxx |  | xxxxxx | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 6416.84 | 6236.84 | True data is correct P&I, Tax, Insurance, HOA is considered |
| 846317 | xxxxxx |  | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Updated as per the Note document |
| 846317 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | True Data is correct 12 Months bank statement are used for income qualification |
| 846317 | xxxxxx |  | xxxxxx | Loan Program | businessPurposeApprovalandGuidelinePage | Super Kind - Non-QM | Super NonQM 30 Yr | True Data is correct Loan program updated from dropdown verified with loan approval document |
| 846796 | xxxxxx |  | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Note date verified from Note document |
| 846796 | xxxxxx |  | xxxxxx | Borrower 1 Self-Employment Flag | employmentIncomePage | No | Yes | Borrower is WAGE earner self-employment flag should be No. |
| 846796 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 36.95 | 37.35 | Audit DTI is 36.9459% vs the Lender's DTI of 37.3506%. Variance of 0.4047% is within tolerance. The difference is due to the Lender's inclusion of an HOA payment of $66.00 that belonged to a different (and sold) property. |
| 846848 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | As per 1004, 1008 property type is PUD, True data is correct. |
| 846848 | xxxxxx |  | xxxxxx | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 8903.35 | 8803.35 | Verified with 1008,and TAX,HOA, Insurance document true data provided details is correct. |
| 846848 | xxxxxx |  | xxxxxx | Note Date | notePage | xxxxxx | xxxxxx | Updated as per the Note document |
| 846848 | xxxxxx |  | xxxxxx | Borrower 1 Self-Employment Flag | employmentIncomePage | No | Yes | Base income calculated from Paystub, W2 document. |
| 846848 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | 2YR Full Doc | Full Doc | Verified doc type considered per 2 Yrs W2 available in file. |
| 845326 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | 1YR Business P&L | P&L Only 12 months | Updated as per Guidelines |
| 845326 | xxxxxx |  | xxxxxx | Application Date | complianceDetailPage | xxxxxx | xxxxxx | Confirm with Initial 1003 |
| 845326 | xxxxxx |  | xxxxxx | Loan Purpose | the1003Page | Refinance | No Cash-Out Refi | Confirm with final 1003 |
| 846363 | xxxxxx |  | xxxxxx | Qualifying FICO | creditLiabilitiesPage | 779 | 758 | As per 1008, the FICO score is 758. However, the qualifying FICO score from the credit report is 779. |
| 847153 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | True data is correct, property is a PUD per 1008, DOT, appraisal. |
| 847153 | xxxxxx |  | xxxxxx | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 4289.95 | 4235.78 | True data is correct, tape data was not included HOA amount whereas true data shows PITIA. |
| 847284 | xxxxxx |  | xxxxxx | Property Type | propertyValuationPage | PUD | Single Family Detached | True data is correct, property is a PUD per 1008, DOT, appraisal. |
| 847284 | xxxxxx |  | xxxxxx | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | 1599.75 | 1581.00 | True data is correct, tape data was not included HOA amount of $18.75 whereas true data shows PITIA. |
| 847284 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | True data is correct, 12 months bank statements are used for income calculation and hence doc type updated the same. |
| 845374 | xxxxxx |  | xxxxxx | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | xxxxxx | xxxxxx | Loan Program confirmed. |
| 845374 | xxxxxx |  | xxxxxx | Verified Doc Type | employmentIncomePage | 1YR Business P&L | P&L Only 12 months | 1 year P& L statement |
| 845374 | xxxxxx |  | xxxxxx | Loan Purpose | the1003Page | Refinance | No Cash-Out Refi | Refi - No Cashout |
| 844905 | xxxxxx |  | xxxxxx | Calculated DSCR | diligenceFinalLookPage | 0 | 0.551 | Loan is Purchase/Investment, Non DSCR Income qualifies with full document |
| 844905 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 48.43 | 48.46 | DTI is within tolerance with a variance of 0.23, rounding figure, value matches |
| 846828 | xxxxxx |  | xxxxxx | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | 8.94 | 8.93 | HTI is deference because of HOA amount is not included in Tape date. |
| 846828 | xxxxxx |  | xxxxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 15.16 | 15.15 | DTI is deference because of HOA amount is not included in Tape date. |
| 846354 | xxxxxx |  | xxxxxx | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | 07-07-2025 | 07/25/2025 | Verified used approved GL and Matrices dated 7/7/2025. |
| 845375 | xxxxxx |  | xxxxxx | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | 07-07-2025 | 05/13/2025 | GL date has been updated 07/07/2025. Rate lock date is xxxxxx |

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## Exhibit 99.26

**EXHIBIT 99.26**

**Selene ATR QM Detail**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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?** |
| 844214 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | 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 |
| 840079 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | 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 | No | Yes | Present |
| 838924 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 841087 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested |  | 7.730% | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13236.93 | Yes | Employed | Not Employed | No | No | No |  |
| 840080 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | 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 |
| 842661 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | 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 |
| 841743 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 843068 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | 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 |  | N/A |  |  | No |  | Yes | Present |
| 841420 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No | No | Yes | Present |
| 842491 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 841295 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | 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 |
| 842494 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | 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 |
| 843757 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | Yes |  | Yes | Present |
| 841415 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | 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 |
| 843069 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | No | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 842504 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | 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 |
| 843056 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | 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 |
| 842657 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | 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 |
| 842966 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | 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 |  | N/A |  |  | No |  | Yes | Present |
| 843828 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested |  | 8.728% | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4793.55 | Yes | Employed |  | No |  | No |  |
| 844227 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested |  | 8.556% | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 213463.1 | Yes | Employed |  | No |  | No |  |
| 842493 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 843979 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | 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 |
| 844054 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Not Tested | Yes | Yes | No | No | No | No | No | No | No | Not Tested |  | 8.610% | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4517.85 | Yes | Employed |  | No |  | No |  |
| 843410 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 844569 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested |  | 7.430% | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 31654.08 | Yes | Employed |  | No |  | No |  |
| 846911 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 68300.55 | Yes | Employed |  | No |  | Yes | Present |
| 844980 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Not Tested | Yes | Yes | No | No | No | No | No | No | No | Not Tested |  | 8.728% | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 5060.98 | Yes | Employed |  | No |  | No |  |
| 844565 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested |  | 8.314% | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 51573.97 | Yes | Employed |  | No |  | No |  |
| 845507 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested |  | 7.941% | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 38499.56 | Yes | Employed | Employed | No | No | No |  |
| 846108 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested |  | 8.112% | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 33309.08 | Yes | Employed |  | No |  | No |  |
| 846648 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested |  | 8.155% | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9651.27 | Yes | Employed |  | No |  | No |  |
| 843939 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested |  | 8.123% | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 24064.62 | Yes | Employed | Employed | No | No | No |  |
| 845870 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested |  | 7.227% | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7926.39 | Yes | Employed | Employed | No | No | No |  |
| 846095 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested |  | 8.131% | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14244.22 | Yes | Employed |  | No |  | No |  |
| 845313 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested |  | 7.497% | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | Yes | 7120.11 | Yes | Employed |  | No |  | No |  |
| 843096 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Not Tested | Yes | Yes | No | No | No | No | No | No | No | Not Tested |  | 8.991% | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4448.1 | Yes | Employed | Employed | No | No | No |  |
| 845372 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested |  | 8.801% | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | Yes | 5654.98 | Yes | Employed | Employed | No | No | No |  |
| 845346 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A |  |  | No |  | Yes | Present |
| 845327 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested |  | 8.218% | Yes | Yes | N/A | Yes | Yes | N/A | N/A | N/A | Yes | Yes | 9529.87 | Yes | Employed |  | No |  | No |  |
| 845336 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested |  | 7.515% | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | Yes | 14496.75 | Yes | Employed |  | No |  | No |  |
| 843075 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Not Tested | Yes | Yes | No | No | No | No | No | No | No | Not Tested |  | 8.355% | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7525.03 | Yes | Employed |  | No |  | No |  |
| 845312 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested |  | 7.179% | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6100.77 | Yes | Employed |  | No |  | No |  |
| 846275 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested |  | 7.493% | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11277.03 | Yes | Not Employed | Not Employed | No | No | No |  |
| 845860 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested |  | 7.078% | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9199.26 | Yes | Employed |  | No |  | No |  |
| 846009 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested |  | 8.048% | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8605.27 | Yes | Employed |  | No |  | No |  |
| 846305 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested |  | 7.888% | N/A | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 55686.89 | Yes | Not Employed | Employed | No | No | No |  |
| 846182 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested |  | 7.217% | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 51961.07 | Yes | Employed |  | No |  | No |  |
| 845332 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested |  | 7.342% | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5164.07 | Yes | Employed |  | No |  | No |  |
| 843088 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Not Tested | Yes | Yes | No | No | No | No | No | No | No | Not Tested |  | 9.096% | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 5091.15 | Yes | Employed | Employed | No | No | No |  |
| 846353 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Not Tested | Yes | Yes | No | No | No | No | No | No | No | Not Tested |  | 8.374% | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | Yes | 9997.81 | Yes | Employed |  | No |  | No |  |
| 845369 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Not Tested | Yes | Yes | No | No | No | No | No | No | No | Not Tested |  | 8.480% | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3472.54 | Yes | Employed |  | No |  | No |  |
| 846367 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested |  | 7.902% | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10181.62 | Yes | Employed |  | No |  | No |  |
| 845337 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested |  | 8.807% | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10522.17 | Yes | Employed |  | No |  | No |  |
| 846349 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested |  | 8.220% | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 34559 | Yes | Employed |  | No |  | No |  |
| 846647 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested |  | 8.145% | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 24460.35 | Yes | Employed |  | No |  | No |  |
| 845338 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested |  | 7.195% | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 61909.41 | Yes | Employed |  | No |  | No |  |
| 846352 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested |  | 9.900% | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | Yes | 19488.74 | Yes | Employed | Employed | No | No | No |  |
| 845335 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested |  | 7.404% | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8332.14 | Yes | Employed |  | No |  | No |  |
| 845368 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Not Tested | Yes | Yes | No | No | No | No | No | No | No | Not Tested |  | 8.527% | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3746.67 | Yes | Employed |  | No |  | No |  |
| 846355 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested |  | 8.295% | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 21358.43 | Yes | Employed |  | No |  | No |  |
| 846362 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Not Tested | Yes | Yes | No | No | No | No | No | No | No | Not Tested |  | 9.335% | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3558.81 | Yes | Employed | Employed | No | No | No |  |
| 846173 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested |  | 7.042% | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12849.71 | Yes | Employed |  | No |  | No |  |
| 846317 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested |  | 7.280% | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 24152.84 | Yes | Employed |  | No |  | No |  |
| 846796 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested |  | 7.554% | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10283.08 | Yes | Employed |  | No |  | No |  |
| 846848 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested |  | 7.415% | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 29914.05 | Yes | Employed | Employed | No | No | No |  |
| 845326 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested |  | 10.728% | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 4293.06 | Yes | Employed |  | No |  | No |  |
| 846363 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested |  | 7.863% | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | Yes | 6612.64 | Yes | Employed | Employed | No | No | No |  |
| 846364 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested |  | 9.390% | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9809.85 | Yes | Employed |  | No |  | No |  |
| 846350 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested |  | 8.183% | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13075.09 | Yes | Employed |  | No |  | No |  |
| 846233 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested |  | 9.506% | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | Yes | 53239.27 | Yes | Employed |  | No |  | No |  |
| 847153 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested |  | 8.552% | N/A | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 43169.9 | Yes | Employed |  | No |  | No |  |
| 847284 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested |  | 8.646% | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9425.14 | Yes | Employed |  | No |  | No |  |
| 845374 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested |  | 8.034% | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5716.9 | Yes | Employed |  | No |  | No |  |
| 844905 | xxxxxx |  | xxxxxx | ATR/QM: Exempt | ATR/QM: Exempt | No | N/A |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 23079.55 | Yes | Employed |  | No |  | Yes | Present |
| 846828 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested |  | 6.994% | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 100472.12 | Yes | Employed | Not Employed | No | No | No |  |
| 845800 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested |  | 9.101% | Yes | Yes | N/A | Yes | Yes | N/A | N/A | N/A | Yes | Yes | 29810.1 | Yes | Employed |  | No |  | No |  |
| 846354 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Not Tested | Yes | Yes | No | No | No | No | No | No | No | Not Tested |  | 8.453% | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2614.79 | Yes | Employed |  | No |  | No |  |
| 845375 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested |  | 8.193% | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5488.87 | Yes | Employed |  | No |  | No |  |
| 846365 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested |  | 8.484% | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5349.27 | Yes | Employed |  | No |  | No |  |
| 846361 | xxxxxx |  | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Client Affirms Non-QM Status | Not Tested | Yes | Yes | No | No | No | No | No | No | No | Not Tested |  | 8.814% | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4061.35 | Yes | Employed | Employed | No | No | No |  |

---

## Exhibit 99.27

**EXHIBIT 99.27**

**Selene Valuations Report**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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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** |
| 844214 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-21-2025 | 1004 URAR | xxxxxx | 49.9 | 49.9 | xxxxxx | xxxxxx | -.0799 | 2000 One Unit Appraisal Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.1078 | xxxxxx | High | 04-21-2025 |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0799 | xxxxxx | 04-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 840079 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 05-19-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | 05-23-2025 |
| 838924 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-22-2025 | 1025 Small Residential Income Report | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 06-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 06-16-2025 |
| 841087 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 06-09-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 06-10-2025 |
| 840080 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-01-2025 | 1004 URAR | xxxxxx | 65.0 | 65.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 07-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 | 07-07-2025 |
| 842661 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 05-31-2025 | 1025 Small Residential Income Report | xxxxxx | 68.67 | 68.67 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 06-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841743 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 06-23-2025 | 1073 Individual Condo Report | xxxxxx | 75.0 | 75.0 |  |  |  |  | xxxxxx | xxxxxx | -.0189 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -.0189 | xxxxxx | Moderate Risk | 07-28-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 843068 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-02-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 07-08-2025 |
| 841420 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-15-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-17-2025 |
| 842491 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 06-21-2025 | 1025 Small Residential Income Report | xxxxxx | 65.0 | 65.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 07-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 07-03-2025 |
| 841295 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-09-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 07-02-2025 |
| 842494 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-24-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 07-01-2025 |
| 843757 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-03-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-14-2025 |
| 841415 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 05-27-2025 | 1073 Individual Condo Report | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 07-13-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 843069 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-09-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 07-10-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 842504 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 04-22-2025 | 1004 URAR | xxxxxx | 65.0 | 65.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 04-24-2025 |
| 843056 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-26-2025 | 1025 Small Residential Income Report | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 07-14-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 06-30-2025 | Not Eligible |  |  |
| 842657 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-16-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-16-2025 |
| 842966 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-07-2025 | 1004 URAR | xxxxxx | 65.0 | 65.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-12-2025 |
| 843828 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 06-17-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 06-23-2025 |
| 844227 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 06-30-2025 | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 07-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | 07-03-2025 |
| 842493 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-30-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 07-09-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 843979 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-10-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-14-2025 |
| 844054 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-07-2025 | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 07-09-2025 | Eligible |  |  |
| 843410 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 06-24-2025 | 1025 Small Residential Income Report | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 07-23-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 844569 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 07-22-2025 | 1025 Small Residential Income Report | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 07-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 846911 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 03-28-2025 | 1025 Small Residential Income Report | xxxxxx | 62.21 | 62.21 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 07-02-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 07-31-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 844980 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-25-2025 | 1004 URAR | xxxxxx | 64.6 | 64.6 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-25-2025 |
| 844565 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 07-22-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 07-22-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845507 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-24-2025 | 1004 URAR | xxxxxx | 84.42 | 84.42 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 07-28-2025 |
| 846108 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 07-29-2025 | 1004 URAR | xxxxxx | 89.99 | 89.99 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 07-31-2025 | Eligible |  |  |
| 846648 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-15-2025 | 1004 URAR | xxxxxx | 77.74 | 77.74 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | 07-22-2025 |
| 843939 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-04-2025 | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 08-04-2025 | Eligible |  |  |
| 845870 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 07-29-2025 | 1073 Individual Condo Report | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-30-2025 |
| 846095 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-19-2025 | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 07-23-2025 |
| 845313 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-23-2025 | 1004 URAR | xxxxxx | 64.46 | 64.46 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-28-2025 |
| 843096 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 07-17-2025 | 1004 URAR | xxxxxx | 78.42 | 78.42 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 07-22-2025 |
| 845372 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-05-2025 | 1004 URAR | xxxxxx | 71.2 | 71.2 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 08-07-2025 |
| 845346 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-10-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 08-12-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-01-2025 |
| 845327 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-06-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | 08-11-2025 |
| 845336 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-28-2025 | 1004 URAR | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-05-2025 |
| 843075 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 06-23-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 06-23-2025 |
| 845312 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-29-2025 | 1004 URAR | xxxxxx | 65.0 | 65.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-31-2025 |
| 846275 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 07-25-2025 | 1073 Individual Condo Report | xxxxxx | 65.0 | 65.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 08-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845860 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 07-08-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 07-09-2025 |
| 846009 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-04-2025 | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | LOW RISK | 08-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 846305 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-24-2025 | 1073 Individual Condo Report | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-28-2025 |
| 846182 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-31-2025 | 1004 URAR | xxxxxx | 74.49 | 74.49 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-31-2025 |
| 845332 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-04-2025 | 1004 URAR | xxxxxx | 60.19 | 60.19 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-08-2025 |
| 843088 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-12-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-18-2025 |
| 846353 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-19-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-23-2025 |
| 845369 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-31-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-03-2025 |
| 846367 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-31-2025 | 1004 URAR | xxxxxx | 53.47 | 53.47 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 08-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 | 08-05-2025 |
| 845337 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-15-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-15-2025 |
| 846349 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-08-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 08-15-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 846647 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-05-2025 | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-07-2025 |
| 845338 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 07-22-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-24-2025 |
| 846352 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-07-2025 | 1004 URAR | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 08-19-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-09-2025 |
| 845335 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-12-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 08-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | 07-17-2025 |
| 845368 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 08-10-2025 | 1004 URAR | xxxxxx | 60.0 | 60.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-13-2025 |
| 846355 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-05-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-06-2025 |
| 846362 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 07-31-2025 | 1004 URAR | xxxxxx | 85.0 | 85.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-11-2025 |
| 846173 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-28-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate | 07-31-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 846317 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 07-18-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 07-24-2025 | Eligible |  |  |
| 846796 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 08-11-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Moderate Risk | 08-11-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-15-2025 |
| 846848 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 08-18-2025 | 1004 URAR | xxxxxx | 65.68 | 65.68 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 08-19-2025 |
| 845326 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 07-22-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | 07-24-2025 |
| 846363 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 07-30-2025 | 1004 URAR | xxxxxx | 62.5 | 62.5 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-01-2025 |
| 846364 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-13-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-18-2025 |
| 846350 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-15-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-18-2025 |
| 846233 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 08-18-2025 | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | 0 | .0000 | xxxxxx | Low Risk | 08-24-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 08-20-2025 |
| 847153 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 08-19-2025 | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | 08-22-2025 |
| 847284 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-04-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-04-2025 | Eligible |  |  |
| 845374 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-10-2025 | 1004 URAR | xxxxxx | 67.24 | 67.24 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-10-2025 |
| 844905 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-04-2025 | 1073 Individual Condo Report | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 08-20-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 08-21-2025 |
| 846828 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 07-31-2025 | 1004 URAR | xxxxxx | 70.0 | 70.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | 08-22-2025 |
| 845800 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-15-2025 | 1004 URAR | xxxxxx | 90.0 | 90.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-19-2025 |
| 846354 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-04-2025 | 1004 URAR | xxxxxx | 77.0 | 77.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-06-2025 |
| 845375 | xxxxxx |  | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 06-18-2025 | 1004 URAR | xxxxxx | 56.2 | 56.2 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 08-05-2025 |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 06-23-2025 |
| 846365 | xxxxxx |  | xxxxxx | xxxxxx | xxxxxx | 0 | xxxxxx | 08-07-2025 | 1004 URAR | xxxxxx | 80.0 | 80.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-07-2025 |
| 846361 | xxxxxx |  | xxxxxx | xxxxxx |  | 0 | xxxxxx | 08-18-2025 | 1004 URAR | xxxxxx | 75.0 | 75.0 | xxxxxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 08-29-2025 |

---

## Exhibit 99.28

**EXHIBIT 99.28**

**Evolve Mortgage Services, LLC ("Evolve") Executive Summary**

![](tm2529922d1_ex99-28img01.jpg)

FORWARD THINKING. SEAMLESS SOLUTIONS**.** <br>

Executive Summary

Verus 2025-11

Dated: October 31, 2025

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

![](tm2529922d1_ex99-28img02.jpg)

Forward Thinking. Seamless Solutions.

------

**EXECUTIVE SUMMARY**

**Overview**

Evolve Mortgage Services, LLC ("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 VMC Asset Pooler, LLC ("Client"). The Review was conducted via imaged files provided by the lender or its designee for review. The Review results were conveyed to the Client by a Reliance Letter.

**Sample size of the assets reviewed.**

The final population of the Review covered 39 loans, consisting of 34 Residential Loans and 5 Business Purpose loans, totaling an aggregate original principal balance of approximately $19,894,376.00 Evolve is not aware of the overall securitization population as other third-party review ("TPR") firms may have reviewed loans within the overall securitization loan population.

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

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

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

Evolve compared data fields on the bid tape provided by the Client and uploaded to the underwriting system to the data found in the Loan file as captured during the Review. The data integrity review was completed versus tapes as provided at the time of initial diligence or subsequently updated. 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 |

---

---

| | | |
|:---|:---|:---|
| ![](tm2529922d1_ex99-28img03.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 1 \| P a g e |

---

![](tm2529922d1_ex99-28img02.jpg)

Forward Thinking. Seamless Solutions.

------

Additional information about the data integrity review is included below.

**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 Loans, 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 ("DTI") 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.

**Debt Service Coverage ratio (DSCR):** Evolve calculated and determined DSCR as required by guidelines.

**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).

---

| | | |
|:---|:---|:---|
| ![](tm2529922d1_ex99-28img03.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 2 \| P a g e |

---

![](tm2529922d1_ex99-28img02.jpg)

Forward Thinking. Seamless Solutions.

------

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

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

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

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

---

| | | |
|:---|:---|:---|
| ![](tm2529922d1_ex99-28img03.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 3 \| P a g e |

---

![](tm2529922d1_ex99-28img02.jpg)

Forward Thinking. Seamless Solutions.

------

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

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

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

Additionally, Evolve verified (i) listed borrowers signed documents requiring signature, (ii) borrowers signing documents were eighteen (18) years or older at the time of the mortgage loan origination, (iii) that all riders required by the terms of the mortgage and mortgage note were attached to the respective document, (iv) that social security numbers across documents were consistent, and (v) DTI ratios 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.

---

| | | |
|:---|:---|:---|
| ![](tm2529922d1_ex99-28img03.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 4 \| P a g e |

---

![](tm2529922d1_ex99-28img02.jpg)

Forward Thinking. Seamless Solutions.

------

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

Evolve's review included a review of the valuation materials utilized during the origination of the loan and in confirming the value of the underlying property. Evolve's review included verifying the appraisal report was (i) on the appropriate GSE form (for the Residential Loans), (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 and (viii) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities.

With regard to the use of comparable properties, 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.

---

| | | |
|:---|:---|:---|
| ![](tm2529922d1_ex99-28img03.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 5 \| P a g e |

---

![](tm2529922d1_ex99-28img02.jpg)

Forward Thinking. Seamless Solutions.

------

**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW**

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

**Compliance Results Summary**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**KBRA** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;32 | &nbsp;&nbsp;82.05% | &nbsp;&nbsp;32 | &nbsp;&nbsp;82.05% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;5.13% | &nbsp;&nbsp;2 | &nbsp;&nbsp;5.13% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;5 | &nbsp;&nbsp;12.82% | &nbsp;&nbsp;5 | &nbsp;&nbsp;12.82% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**39** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**39** | &nbsp;&nbsp;**100.00%** |

---

**Credit Results Summary**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**KBRA** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;32 | &nbsp;&nbsp;82.05% | &nbsp;&nbsp;32 | &nbsp;&nbsp;82.05% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;7 | &nbsp;&nbsp;17.95% | &nbsp;&nbsp;7 | &nbsp;&nbsp;17.95% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**39** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**39** | &nbsp;&nbsp;**100.00%** |

---

**Property Valuation Results Summary**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**KBRA** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;39 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;39 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**39** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**39** | &nbsp;&nbsp;**100.00%** |

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Forward Thinking. Seamless Solutions.

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**Overall Results Summary**

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|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**KBRA** | &nbsp;&nbsp;**KBRA** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;30 | &nbsp;&nbsp;76.92% | &nbsp;&nbsp;30 | &nbsp;&nbsp;76.92% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;9 | &nbsp;&nbsp;23.08% | &nbsp;&nbsp;9 | &nbsp;&nbsp;23.08% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**39** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**39** | &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;39 | &nbsp;&nbsp;2.56% |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;32 | &nbsp;&nbsp;39 | &nbsp;&nbsp;82.05% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;4 | &nbsp;&nbsp;39 | &nbsp;&nbsp;10.26% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;5 | &nbsp;&nbsp;39 | &nbsp;&nbsp;12.82% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;34 | &nbsp;&nbsp;39 | &nbsp;&nbsp;87.18% |
| &nbsp;&nbsp;PITI | &nbsp;&nbsp;14 | &nbsp;&nbsp;39 | &nbsp;&nbsp;35.90% |
| &nbsp;&nbsp;Prepayment Penalty Type | &nbsp;&nbsp;3 | &nbsp;&nbsp;39 | &nbsp;&nbsp;7.69% |
| &nbsp;&nbsp;Product Code | &nbsp;&nbsp;14 | &nbsp;&nbsp;39 | &nbsp;&nbsp;35.90% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;39 | &nbsp;&nbsp;2.56% |
| &nbsp;&nbsp;Property Zip | &nbsp;&nbsp;2 | &nbsp;&nbsp;39 | &nbsp;&nbsp;5.13% |
| &nbsp;&nbsp;QM Status | &nbsp;&nbsp;34 | &nbsp;&nbsp;39 | &nbsp;&nbsp;87.18% |
| &nbsp;&nbsp;Qualifying Credit Score | &nbsp;&nbsp;1 | &nbsp;&nbsp;39 | &nbsp;&nbsp;2.56% |
| &nbsp;&nbsp;Qualifying DTI | &nbsp;&nbsp;27 | &nbsp;&nbsp;39 | &nbsp;&nbsp;69.23% |

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Forward Thinking. Seamless Solutions.

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**APPENDIX A**

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

 ****

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

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

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

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty test; and

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

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

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

ii) compliance with the escrow account and appraisal requirements;

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

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

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

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

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

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

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

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

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

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

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

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

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

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 <br> 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

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

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

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

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

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

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

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

**(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> 

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

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

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

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

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

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

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

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

**(XI) FIRREA Review**

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

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

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

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

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

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

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

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

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

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

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

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Forward Thinking. Seamless Solutions.

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

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

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

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

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

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

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

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> 

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

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

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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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## Exhibit 99.29

**EXHIBIT 99.29**

**Evolve Exception Detail**

![](tm2529922d1_ex99-29img01.jpg)

**Exception Detail**

**Run Date - 10/17/2025 12:26:57 PM**

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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** |
| xxxxxx | 843217 | xxxxxx | 7168571 | xxxxxx | 06/16/2025 | Credit | Hazard Insurance |  | Hazard Insurance - Other: |  | The Insurance Binder is missing the premium amount. | The hazard insurance binder was provided |  | Client 06/23/2025 06:57 AM; Please refer last uploaded policy, the policy number is same, in that you will find insurance premium <br>Reviewer 06/23/2025 08:17 AM; <br>Reviewer 06/23/2025 11:08 AM; xxxxxx <br> This has been cleared. <br>xxxxxx<br>| 06/23/2025 |  | A | 1 | xxxxxx | xxxxxx | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 843274 | xxxxxx | 7150899 | xxxxxx | 06/20/2025 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Living rent free with someone other than spouse. | Does not require an exception; UW discretion is permitted; see 1008 notes with UW discretion. |  | Client 06/25/2025 01:06 PM; does not require an exception; UW discretion is permitted; see 1008 notes with UW discretion. <br>Reviewer 06/25/2025 02:19 PM; Condition has been reviewed. xxxxxx<br>| 06/25/2025 |  | A | 1 | xxxxxx | xxxxxx | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 843308 | xxxxxx | 7164554 | xxxxxx | 07/13/2025 | Credit | UW Other |  | UW Other - UW - Evidence of legal residency |  | The borrower is a perm resident with an I-56 immigration status with an issue date of xxxxxx and an expiration date of xxxxxx. Per guidelines, I-551 – Conditional Permanent Resident Card (Green Card) issued for 2 years that has an expiration date is acceptable, if it is accompanied by a copy of xxxxxx form I-751 requesting removal of the conditions. Missing copy of xxxxxx form I-751. |  | Client waived with Compensating Factors: 70% LTV, Score 706, >4 month reserve, DSCR .83, required .75. |  |  |  | 08/03/2025 B | 2 | xxxxxx | xxxxxx | 3 | 1 C B | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 843991 | xxxxxx | 7156833 | xxxxxx | 09/04/2025 | Credit | UW Qualifications |  | UW Qualifications - UW - LTV/CLTV does not meet parameters |  | The LTV of 80% exceeds the maximum LTV allowed of 75% for a cash-out refinance transaction with a loan amount of xxxxxx, under the xxxxxx loan program. |  | Client waived with compensating factors: Residual income over 40K/mo. (actual $58,565.36), longtime business open over 10-years, reserves after close $985,842.26 (105.45 months) |  |  |  | 09/05/2025 B | 2 | xxxxxx | xxxxxx | 1 | 13 C B | A | A |  | Non-QM | 1 |
| xxxxxx | 843991 | xxxxxx | 7156834 | xxxxxx | 09/04/2025 | Credit | UW Qualifications |  | UW Qualifications - UW - Not Eligible for escrow waiver |  | The subject loan was not eligible for escrows to be waived under the xxxxxx loan program. |  | Client waived with compensating factors: Residual income over 40K/mo. (actual $58,565.36), longtime business open over 10-years, reserves after close $985,842.26 (105.45 months) |  |  |  | 09/05/2025 B | 2 | xxxxxx | xxxxxx | 1 | 13 C B | A | A |  | Non-QM | 1 |
| xxxxxx | 843991 | xxxxxx | 7156835 | xxxxxx | 09/04/2025 | Credit | UW Qualifications |  | UW Qualifications - UW - Cash Back Exceeds Limit |  | The cash proceeds of $581,210.36 exceeds the maximum cash-out allowed of $350,000 when the LTV is 80% under the xxxxxx loan program. |  | Client waived with compensating factors: Residual income over 40K/mo. (actual $58,565.36), longtime business open over 10-years, reserves after close $985,842.26 (105.45 months) |  |  |  | 09/04/2025 B | 2 | xxxxxx | xxxxxx | 1 | 13 C B | A | A |  | Non-QM | 1 |
| xxxxxx | 844152 | xxxxxx | 7168573 | xxxxxx | 07/31/2025 | Credit | HUD1 |  | HUD1 - Final HUD-1 is missing |  | Please provide the final HUD-1 settlement statement. | Final HUD provided |  |  | 08/05/2025 |  | A | 1 | xxxxxx | xxxxxx | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 844152 | xxxxxx | 7168574 | xxxxxx | 08/01/2025 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Provide evidence lien on title for xxxxxx in the amount of $xxxxxx was paid or removed from title. | Received lien release |  |  | 08/05/2025 |  | A | 1 | xxxxxx | xxxxxx | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 844152 | xxxxxx | 7168575 | xxxxxx | 08/01/2025 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Provide dated final loan approval. Approval provided does not have an approval date. | Received dated approval |  |  | 08/05/2025 |  | A | 1 | xxxxxx | xxxxxx | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 844791 | xxxxxx | 7170213 | xxxxxx | 07/30/2025 | Compliance | Closing Package |  | Closing Package - |  | The xxxxxx Home Equity Signed Receipt of Copies document was not found in the file. Provide copy signed by borrower. | xxxxxx Home Equity Signed Receipt of Copies document provided |  | Reviewer 08/07/2025 09:03 AM; Document not provided. Deficiency remians open<br>Client 08/21/2025 11:04 PM; Please find uploaded on 08/06/2025 xxxxxx Home Equity document.<br>Reviewer 08/22/2025 04:28 AM; <br>Reviewer 08/22/2025 01:53 PM; xxxxxx <br> The required document is not in the mentioned image link. We do not see this in file. <br>xxxxxx<br>Reviewer 08/25/2025 09:50 AM; Escalated for review<br>Reviewer 08/25/2025 01:22 PM; Document not provided. Deficiency remians open<br>Client 08/26/2025 10:28 PM; 50a6 the esign document upload, what document is required for the exception to be cleared. please advise<br>Reviewer 08/27/2025 05:29 AM; <br>Reviewer 08/27/2025 01:50 PM; xxxxxx <br> The document needed is the "The xxxxxx Home Equity Signed Receipt of Copies" <br>xxxxxx<br>Client 09/03/2025 04:03 PM; I have uploaded our version of this document we include in our xxxxxx Home Equity files. xxxxxx.<br>Reviewer 09/03/2025 04:37 PM; <br>Reviewer 09/04/2025 11:57 AM; xxxxxx <br> This has been cleared. <br>xxxxxx<br>| 09/04/2025 |  | A | 1 | xxxxxx | xxxxxx | 1 | 13 C A | C | A |  | Exempt | 1 |
| xxxxxx | 844795 | xxxxxx | 7170228 | xxxxxx | 07/28/2025 | Compliance | Compliance |  | Compliance - TRID- Fee Tolerance Violation |  | Zero tolerance violation of $2100 due to an increase in discount points on xxxxxx CD. Please provide proof of refund, LOX to borrower and a PCCD reflecting cure. All must be provided within 60 days of closing. | COC provided |  | Reviewer 08/18/2025 08:38 AM; Please provide evidence the xxxxxx CD provided was received by the borrower at or before closing<br>| 09/26/2025 |  | A | 1 | xxxxxx | xxxxxx | 1 | 13 C A | C | A |  | Exempt | 1 |
| xxxxxx | 844795 | xxxxxx | 7170229 | xxxxxx | 07/28/2025 | Compliance | Compliance |  | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. |  |  | COC provided |  |  | 09/26/2025 |  | A | 1 | xxxxxx | xxxxxx | 1 | 13 C A | C | A |  | Exempt | 1 |
| xxxxxx | 844852 | xxxxxx | 7170231 | xxxxxx | 08/27/2025 | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | PCCD and cure provided |  |  | 09/09/2025 |  | A | 1 | xxxxxx | xxxxxx | 1 | 3 C B A | C | B A |  | Non-QM | 1 |
| xxxxxx | 844852 | xxxxxx | 7170232 | xxxxxx | 08/27/2025 | Compliance | Compliance |  | Compliance - TRID- Fee Tolerance Violation |  | Loan is failing 0% tolerance for increase in the Mortgage Broker fee in Sec A of the final CD. Violation amount is $52. Need a PCCD with cure, lox to borrower, proof of refund and evidence of payment shipped, all within 60 days of consummation. | PCCD and cure provided |  |  |  | 10/17/2025 | B | 2 | xxxxxx | xxxxxx | 1 | 3 C B A | C | B A |  | Non-QM | 1 |
| xxxxxx | 844852 | xxxxxx | 7170233 | xxxxxx | 08/27/2025 | Compliance | Compliance |  | Compliance - CD- Dated incorrectly (Issue Date, Closing Date, Disbursement Date) |  | Need a PCCD with the funding date on pg 2, Sec F, to be at least 3 days after the closing date of xxxxxx. | PCCD and cure provided |  |  | 09/09/2025 |  | A | 1 | xxxxxx | xxxxxx | 1 | 3 C B A | C | B A |  | Non-QM | 1 |
| xxxxxx | 844852 | xxxxxx | 7170234 | xxxxxx | 08/28/2025 | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Mortgage |  | Missing verification of 12 month Mortgage rating. Two statements in file from xxxxxx. Missing 10 additional months payments showing 0x30x12. The xxxxxx program requires a full 12 months payment history. Please submit the full 12 months consecutive payment history. | Received 12 months mortgage history |  |  | 08/29/2025 |  | A | 1 | xxxxxx | xxxxxx | 1 | 3 C B A | C | B A |  | Non-QM | 1 |
| xxxxxx | 845034 | xxxxxx | 7170236 | xxxxxx | 08/05/2025 | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | PCCD and cure provided |  |  | 09/03/2025 |  | A | 1 | xxxxxx | xxxxxx | 1 | 13 C B A | C | B A |  | Exempt | 1 |
| xxxxxx | 845034 | xxxxxx | 7170237 | xxxxxx | 08/05/2025 | Compliance | Compliance |  | Compliance - TRID- Fee Tolerance Violation |  | Tolerance exceeded by $1.50 due to the increase in credit report fee with no COC, please provide proof of refund, LOX and PCCD reflecting the cure within 60 days of consummation xxxxxx | PCCD and cure provided |  |  |  | 10/17/2025 | B | 2 | xxxxxx | xxxxxx | 1 | 13 C B A | C | B A |  | Exempt | 1 |
| xxxxxx | 845034 | xxxxxx | 7170238 | xxxxxx | 08/05/2025 | Credit | UW Credit |  | UW Credit - UW - Debt Clarification |  | Fraud Shows loan recorded on xxxxxx for xxxxxx. On loan approval dated xxxxxx Underwriter calls for documentation to verify property attached to xxxxxx. It is required as above HELOC account is not reports on title report. Debt is not included in CLTV. Starting on pg 87 brw provides statements of current HELOC balance. | HELOC lien is released hence no need to include in CLTV |  | Client 08/21/2025 10:25 AM; Please see attached, Heloc lien is released hence no need to include in CLTV.<br>Reviewer 08/21/2025 11:02 AM; Condition has been reviewed. xxxxxx<br>| 08/21/2025 |  | A | 1 | xxxxxx | xxxxxx | 1 | 13 C B A | C | B A |  | Exempt | 1 |
| xxxxxx | 845054 | xxxxxx | 7154520 | xxxxxx | 08/13/2025 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Guidelines require a 12-month history of receipt of note income in order to be eligible for use. Borrower only has 6 months receipt of note income. |  | Client Waived with Compensating Factors: 741 fico score where the minimum required is 680; LTV of 79.999% where the max allowed is 90%; Residual income of $12,557.93 exceeds the minimum required of $3,000. |  |  |  | 08/13/2025 B | 2 | xxxxxx | xxxxxx | 1 | 1 C B | A | A |  | Exempt | 1 |
| xxxxxx | 845293 | xxxxxx | 7160050 | xxxxxx | 08/29/2025 | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Mortgage |  | As per the 1003/application the Borrower purchased a primary a month ago. Need mortgage information on that property. | LOE from the borrower stating he is living with his son. The borrower has owned the businesses since 2011 and has managers who can handle the day-to-day operation of the business. There is only one application for a property at xxxxxx within the last 120 days which is still for sale per xxxxxx.com. |  | Reviewer 09/19/2025 10:18 PM; Borrower's business is located in xxxxxx and subject property is located in xxxxxx which is xxxxxx miles away. Who owns the property where borrower is currently living rent free? There are several mortgage inquiries listed on the credit report for April, May, June and July. The fraud report reflects high alerts for occupancy which have not been addressed by lender. Borrower has additional loan applications on different properties with other lenders in the xxxxxx<br>Client 09/22/2025 04:18 PM; xxxxxx, we have uploaded a letter from the borrower stating he is living with his son. The borrower has owned the businesses since 2011 and has managers who can handle the day to day operation of the business. There is only one application for a property at xxxxxx within the last 120 days which is still for sale per xxxxxx.com.<br>Reviewer 09/23/2025 07:52 AM; Condition has been reviewed. xxxxxx<br>| 09/23/2025 |  | A | 1 | xxxxxx | xxxxxx | 1 | 1 D A | A | A |  | Non-QM | 1 |
| xxxxxx | 845293 | xxxxxx | 7160051 | xxxxxx | 08/29/2025 | Credit | UW Other |  | UW Other - UW - Occupancy Discrepancy/Misrep |  | The loan is for a purchase of a primary residence. The 1003/application shows the Borrower just bought a primary 1 month ago. | There is only one application for a property at xxxxxx within the last 120 days which is still for sale per xxxxxx.com. |  | An updated Form 1003 and a Letter of Explanation (LOE) were provided by the borrower to confirm occupancy. | 09/23/2025 |  | A | 1 | xxxxxx | xxxxxx | 1 | 1 D A | A | A |  | Non-QM | 1 |
| xxxxxx | 845293 | xxxxxx | 7160052 | xxxxxx | 08/29/2025 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing/Incomplete VOE |  | As per xxxxxx guidelines, all jobs/companies must be verified. Borrower owns two companies and income is being used from both. Only one verbal VOE has been completed. | Received both VVOE's |  |  | 09/09/2025 |  | A | 1 | xxxxxx | xxxxxx | 1 | 1 D A | A | A |  | Non-QM | 1 |
| xxxxxx | 846045 | xxxxxx | 7170270 | xxxxxx | 08/15/2025 | Credit | Closing Package |  | Closing Package - |  | Please provide the Power of Attorney for xxxxxx. | POA provided |  |  | 08/21/2025 |  | A | 1 | xxxxxx | xxxxxx | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| xxxxxx | 846054 | xxxxxx | 7156495 | xxxxxx | 06/01/2025 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Provide the complete fraud report with all high and medium alerts addressed. | Received clear fraud report |  |  | 06/03/2025 |  | A | 1 | xxxxxx | xxxxxx | 1 | 13 C A | A | A |  | Exempt | 1 |
| xxxxxx | 846054 | xxxxxx | 7156496 | xxxxxx | 06/01/2025 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income calculation worksheet required |  | Provide the bank statement income calculation worksheet. | Received bank statement income worksheet |  |  | 06/03/2025 |  | A | 1 | xxxxxx | xxxxxx | 1 | 13 C A | A | A |  | Exempt | 1 |
| xxxxxx | 846056 | xxxxxx | 7170256 | xxxxxx | 08/09/2025 | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | COC provided |  |  | 08/18/2025 |  | A | 1 | xxxxxx | xxxxxx | 1 | 13 C A | C | A |  | Exempt | 1 |
| xxxxxx | 846056 | xxxxxx | 7170257 | xxxxxx | 08/09/2025 | Compliance | Compliance |  | Compliance - TRID- Fee Tolerance Violation |  | 10% tolerance violation for increase in recording fee without a valid COC. Total tolerance violation of $433.90. A refund in the amount of $433.90 along with Post CD, lox to borrower, copy of refund check and proof of delivery required within 60 days from consummation. | COC provided |  |  | 08/18/2025 |  | A | 1 | xxxxxx | xxxxxx | 1 | 13 C A | C | A |  | Exempt | 1 |
| xxxxxx | 846059 | xxxxxx | 7168572 | xxxxxx | 08/18/2025 | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | The credit report and bank statement income calculation worksheet are missing from the loan file. The credit review is on hold until documents are received. | The credit report and income worksheet were provided. |  |  | 08/19/2025 |  | A | 1 | xxxxxx | xxxxxx | 1 | 1 A | A | A |  | Exempt | 1 |
| xxxxxx | 846060 | xxxxxx | 7170258 | xxxxxx | 07/23/2025 | Compliance | Deed of Trust/Mortgage |  | Deed of Trust/Mortgage - Other: |  | The Exhibit A is missing from file. | Exhibit A provided |  |  | 08/01/2025 |  | A | 1 | xxxxxx | xxxxxx | 1 | 1 C A | C | A |  | Exempt | 1 |
| xxxxxx | 846061 | xxxxxx | 7156530 | xxxxxx | 08/16/2025 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Self-Employed verify business |  | Provide verification of business existence within 10 business days of closing through a disinterested 3rd party. CPA letter in file is dated xxxxxx and settlement date was xxxxxx. | Not counting Saturday and Sunday as business days as per CPA letter 13 total days will be count till settlement date. |  | Client 08/25/2025 12:02 AM; we are not counting Saturday and Sunday as business days, and if the borrower is self-employed 20 business days will be considered, as per CPA letter 13 days will be count till settlement date, so we are good to go<br>Reviewer 08/25/2025 06:02 AM; Condition has been reviewed. xxxxxx<br>| 08/25/2025 |  | A | 1 | xxxxxx | xxxxxx | 1 | 1 C A | A | A |  | Exempt | 1 |
| xxxxxx | 846061 | xxxxxx | 7156531 | xxxxxx | 08/16/2025 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Provide bank statement analysis worksheet for the borrower. | Received bank statement income worksheet |  |  | 08/25/2025 |  | A | 1 | xxxxxx | xxxxxx | 1 | 1 C A | A | A |  | Exempt | 1 |
| xxxxxx | 846061 | xxxxxx | 7156532 | xxxxxx | 08/16/2025 | Credit | UW Assets |  | UW Assets - UW - Hud-1 from sale |  | Provide Hud-1 from sale of the borrower's prior residence as the source of the xxxxxx deposit on xxxxxx that were used for funds to close and reserves. | Received CD for prior home |  |  | 08/25/2025 |  | A | 1 | xxxxxx | xxxxxx | 1 | 1 C A | A | A |  | Exempt | 1 |
| xxxxxx | 846065 | xxxxxx | 7156534 | xxxxxx | 07/25/2025 | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | The borrower lives rent free with a family member other than the spouse. The guideline states borrowers living rent free with anyone other than the spouse are not eligible however could be reviewed as an exception. | Per guidelines permitted with UW discretion; see 1008 with UW discretion notes |  | Client 08/01/2025 10:25 AM; Per guidelines permitted with UW discretion; see 1008 with UW discretion notes <br>Reviewer 08/01/2025 10:55 AM; Condition has been reviewed. xxxxxx<br>| 08/01/2025 |  | A | 1 | xxxxxx | xxxxxx | 1 | 1 C A | A | A |  | Exempt | 1 |
| xxxxxx | 846066 | xxxxxx | 7156536 | xxxxxx | 08/11/2025 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income calculation worksheet self employed |  | A bank statement analysis was not provided. The loan file does contain an analysis but not for the borrower. | Received Bank Statement income worksheet |  |  | 08/18/2025 |  | A | 1 | xxxxxx | xxxxxx | 1 | 1 C A | A | A |  | Exempt | 1 |
| xxxxxx | 846069 | xxxxxx | 7156542 | xxxxxx | 08/08/2025 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income calculation worksheet self employed |  | Provide bank statement analysis worksheet. | Received bank statement income worksheets |  |  | 08/12/2025 |  | A | 1 | xxxxxx | xxxxxx | 1 | 1 C A | A | A |  | Exempt | 1 |
| xxxxxx | 846071 | xxxxxx | 7170272 | xxxxxx | 08/13/2025 | Compliance | Compliance |  | Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. |  |  | Tracking provided |  |  | 08/21/2025 |  | A | 1 | xxxxxx | xxxxxx | 1 | 13 D A | C | A |  | Exempt | 1 |
| xxxxxx | 846071 | xxxxxx | 7170273 | xxxxxx | 08/13/2025 | Compliance | Compliance |  | Compliance - CD- Other |  | Provide evidence Initial CD dated xxxxxx was rec'd by the borrower at least 3 days prior to consummation date of xxxxxx. | &nbsp;&nbsp;&nbsp;&nbsp;Tracking provided |  |  | 08/21/2025 |  | A | 1 | xxxxxx | xxxxxx | 1 | 13 D A | C | A |  | Exempt | 1 |
| xxxxxx | 846071 | xxxxxx | 7170274 | xxxxxx | 08/18/2025 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing/Incomplete VOE |  | Guidelines require a verbal VOE within 10 business days of the note date be provided. No verbal VOE was provided. | Received 10 day business SOS search |  |  | 08/27/2025 |  | A | 1 | xxxxxx | xxxxxx | 1 | 13 D A | C | A |  | Exempt | 1 |
| xxxxxx | 846071 | xxxxxx | 7170275 | xxxxxx | 08/18/2025 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Self-Employed verify business |  | Provide evidence of the business existence dated within 20 business days of the note date. | Received 20 day business SOS search |  |  | 08/27/2025 |  | A | 1 | xxxxxx | xxxxxx | 1 | 13 D A | C | A |  | Exempt | 1 |
| xxxxxx | 846077 | xxxxxx | 7170276 | xxxxxx | 08/20/2025 | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Tracking provided |  |  | 09/04/2025 |  | A | 1 | xxxxxx | xxxxxx | 2 | 1 C A | C | A |  | Exempt | 1 |
| xxxxxx | 846077 | xxxxxx | 7170277 | xxxxxx | 08/20/2025 | Compliance | Compliance |  | Compliance - TRID CD- Need proof CD was received 3 days prior to consummation |  | Initial CD dated xxxxxx sent via xxxxxx wasn't received 3 days prior to consummation. | Tracking provided |  |  | 09/04/2025 |  | A | 1 | xxxxxx | xxxxxx | 2 | 1 C A | C | A |  | Exempt | 1 |
| xxxxxx | 846077 | xxxxxx | 7170278 | xxxxxx | 08/21/2025 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | The CPA letter provided does not reflect the name of the borrower or the business associated with the borrower. Provide updated CPA letter reflecting the borrower's name and business. | Received completed CPA letter |  |  | 09/16/2025 |  | A | 1 | xxxxxx | xxxxxx | 2 | 1 C A | C | A |  | Exempt | 1 |
| xxxxxx | 846080 | xxxxxx | 7164558 | xxxxxx | 08/12/2025 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Borrower's living rent free must live with Spouse. Exception approved for Borrower living rent free with someone other than spouse. |  | Client Waived with Compensating factors: Borrower has 13+ months reserve, well above 3 months minimum requirement. Residual income of $13,348.64 > $10,000, DTI 21.45 well below maximum DTI of 45%. |  |  |  | 08/12/2025 B | 2 | xxxxxx | xxxxxx | 1 | 1 C B | A | A |  | Exempt | 1 |
| xxxxxx | 846080 | xxxxxx | 7164559 | xxxxxx | 08/12/2025 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Income calculation worksheet missing from file. | Received bank statement income worksheet |  |  | 08/21/2025 |  | A | 1 | xxxxxx | xxxxxx | 1 | 1 C B | A | A |  | Exempt | 1 |
| xxxxxx | 846084 | xxxxxx | 7158849 | xxxxxx | 08/18/2025 | Credit | UW Qualifications |  | UW Qualifications - UW – Escalated for 2nd review. |  | Approval for a guideline exception is needed for an LTV exceeding 80% (actual 85%) on a loan amount between $1,000,001 and $1,500,000 (actual xxxxxx), as per the Guidelines and Rate Sheet dated xxxxxx. The loan was approved and locked on xxxxxx. |  | Client waived with compensating factors: Residual income $26,117.83, DTI of 40.13% is less then max allowed by 10%, self-employed 2 years in same business +> 5 years in same industry |  |  |  | 09/05/2025 B | 2 | xxxxxx | xxxxxx | 1 | 1 C B | A | A |  | Exempt | 1 |
| xxxxxx | 846084 | xxxxxx | 7158850 | xxxxxx | 08/18/2025 | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | A guideline exception is needed since the post-closing reserves are not at least 6 months of PITI. The required reserves amount to $63,622.56 ($10,603.76 \* 6), but the post-closing assets total $63,469.94, resulting in a shortfall of $152.62. |  | Client waived with compensating factors: Residual income $26,117.83, DTI of 40.13% is less then max allowed by 10%, self-employed 2 years in same business +> 5 years in same industry |  |  |  | 09/05/2025 B | 2 | xxxxxx | xxxxxx | 1 | 1 C B | A | A |  | Exempt | 1 |
| xxxxxx | 846158 | xxxxxx | 7157917 | xxxxxx | 08/26/2025 | Credit | UW Credit |  | UW Credit - UW - Credit - Insufficient |  | The borrower has 1 tradeline that has a 10 month history which is an insufficient number of active tradelines for the Expanded Approval A program. The program requires at least 3 tradelines with 2 active with a minimum 3 year history. |  | Client Waived with Compensating Factors: Residual income $40,211.39 where the minimum required was $1,500, reserves $44.88 months reserves where 3 months are required, DTI 11.822% where the maximum is 50% |  |  |  | 08/28/2025 B | 2 | xxxxxx | xxxxxx | 1 | 13 C B | A | A C |  | Safe Harbor QM (APOR) | 1 |
| xxxxxx | 846158 | xxxxxx | 7157918 | xxxxxx | 08/26/2025 | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal - Completion Certification |  | Missing the Appraisal Update and/or Completion Report (xxxxxx Form 1004D) with complete interior photos reflecting completion. | Received 1004D for xxxxxx. No interior photos required. |  |  | 08/28/2025 |  | A | 1 | xxxxxx | xxxxxx | 1 | 13 C B | A | A C |  | Safe Harbor QM (APOR) | 1 |
| xxxxxx | 847265 | xxxxxx | 7164570 | xxxxxx | 08/22/2025 | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Minimum loan amount required per guidelines is $150,000.00. Subject loan amount is xxxxxx |  | Client Waived with Compensating Factors: Borrower has 5 years of self-employment; DTI (35.158%) greater than 10% below max DTI of 50%. |  |  |  | 08/22/2025 B | 2 | xxxxxx | xxxxxx | 1 | 13 D B | A | A |  | Exempt | 1 |
| xxxxxx | 847265 | xxxxxx | 7164571 | xxxxxx | 08/22/2025 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Missing/Incomplete VOE |  | Per guidelines a Verbal VOE must be completed within 20 business days for self-employed borrowers. A Verbal VOE was not completed. | Received SOS |  |  | 08/24/2025 |  | A | 1 | xxxxxx | xxxxxx | 1 | 13 D B | A | A |  | Exempt | 1 |
| xxxxxx | 847271 | xxxxxx | 7158847 | xxxxxx | 08/20/2025 | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income calculation worksheet self employed |  | A bank statement analysis worksheet is required to be provided for all bank statement loans. Provide bank statement worksheet. | Bank statement income work sheet provided |  |  | 09/05/2025 |  | A | 1 | xxxxxx | xxxxxx | 1 | 1 C A | A | A |  | Exempt | 1 |

---

## Exhibit 99.30

**EXHIBIT 99.30**

**Evolve Data Compare**

![](tm2529922d1_ex99-29img01.jpg)

**Data Compare**

**Run Date - 10/13/2025 10:55:47 AM**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Comment** |
| xxxxxx | 843217 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | verified |
| xxxxxx | 843217 | xxxxxx | Maturity Date | xxxxxx | xxxxxx | verified |
| xxxxxx | 843217 | xxxxxx | Note Date |  | xxxxxx | verified |
| xxxxxx | 843217 | xxxxxx | Prepayment Penalty Type |  | Hard | verified |
| xxxxxx | 843217 | xxxxxx | Product Code | BPACC 30 YR FIXED 3 YR PPP | BPACC30YF3YPP | Verified Same. |
| xxxxxx | 843217 | xxxxxx | QM Status |  | Exempt | verified |
| xxxxxx | 843217 | xxxxxx | Qualifying Credit Score | 812 | 789 | Verified with Credit Report. |
| xxxxxx | 843274 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | verified |
| xxxxxx | 843274 | xxxxxx | Maturity Date | xxxxxx | xxxxxx | verified |
| xxxxxx | 843274 | xxxxxx | Note Date |  | xxxxxx | verified |
| xxxxxx | 843274 | xxxxxx | Prepayment Penalty Type |  | Hard | verified |
| xxxxxx | 843274 | xxxxxx | QM Status |  | Exempt | verified |
| xxxxxx | 843308 | xxxxxx | Note Date |  | xxxxxx | Verified w/ note |
| xxxxxx | 843308 | xxxxxx | PITI | 3108.89 | 2113.89 | Audit value reflects PITI, Bid tape includes HOA Dues of $995. |
| xxxxxx | 843308 | xxxxxx | Prepayment Penalty Type |  | Hard | Verified w/ note |
| xxxxxx | 843308 | xxxxxx | Product Code | BPACC 30 YR FIXED 5 YR PPP | BPACC30Y5YPP | Same |
| xxxxxx | 843308 | xxxxxx | Property Type | Condo-Lo 1-4 Stories | Condo-Hi >8 Stories | Verified with Appraisal Report. |
| xxxxxx | 843308 | xxxxxx | QM Status |  | Exempt | Organizational Exemption |
| xxxxxx | 843991 | xxxxxx | Doc Type | Alternative | Bank Statement | Verified with the loan approval. |
| xxxxxx | 843991 | xxxxxx | PITI | 8023.82 | 9090.67 | Audited data is piti, taxes and insurance. |
| xxxxxx | 844152 | xxxxxx | Maturity Date |  | xxxxxx | Verified w/ note |
| xxxxxx | 844152 | xxxxxx | Note Date |  | xxxxxx | Verified w/ note |
| xxxxxx | 844152 | xxxxxx | QM Status |  | Exempt | Business Purpose Product |
| xxxxxx | 844785 | xxxxxx | Doc Type | Alternative Doc | Bank Statement | 49% Owner -12month BK statement |
| xxxxxx | 844785 | xxxxxx | Note Date |  | xxxxxx | verified |
| xxxxxx | 844785 | xxxxxx | Product Code | CACT 30 YR FIXED | CACT30YF | Same |
| xxxxxx | 844785 | xxxxxx | QM Status |  | Exempt | verified |
| xxxxxx | 844785 | xxxxxx | Qualifying DTI | 1.77200 | 0.03593 | Income was calculated as 100% owner. CPA states Brw 49% |
| xxxxxx | 844791 | xxxxxx | Doc Type | Alternative Doc | P&L | verified with loan approval |
| xxxxxx | 844791 | xxxxxx | Note Date |  | xxxxxx | verified |
| xxxxxx | 844791 | xxxxxx | PITI | 15794.95 | 15786.62 | verified with first payment letter |
| xxxxxx | 844791 | xxxxxx | QM Status |  | Exempt | verified |
| xxxxxx | 844791 | xxxxxx | Qualifying DTI | 46.59500 | 0.46595 | same |
| xxxxxx | 844795 | xxxxxx | Doc Type | Alternative Doc | P&L | Verified by rate lock |
| xxxxxx | 844795 | xxxxxx | Note Date |  | xxxxxx | Verified w/ note |
| xxxxxx | 844795 | xxxxxx | Product Code | CACT 30 YR FIXED | CACT30YF | Same |
| xxxxxx | 844795 | xxxxxx | QM Status |  | Exempt | Organizational Exemption |
| xxxxxx | 844795 | xxxxxx | Qualifying DTI | 43.52600 | 0.43526 | Same |
| xxxxxx | 844852 | xxxxxx | Doc Type | Alternative | Bank Statement | Verified with income documentation and final approval |
| xxxxxx | 845034 | xxxxxx | Doc Type | Alternative Doc | Bank Statement | Verified with Loan Approval |
| xxxxxx | 845034 | xxxxxx | Note Date |  | xxxxxx | verified |
| xxxxxx | 845034 | xxxxxx | PITI | 14271.47 | 13901.47 | HOA $370 not included in audited data |
| xxxxxx | 845034 | xxxxxx | QM Status |  | Exempt | verified |
| xxxxxx | 845034 | xxxxxx | Qualifying DTI | 48.67500 | 0.48925 | Verified with Credit and Bank Statements |
| xxxxxx | 845054 | xxxxxx | Note Date |  | xxxxxx | Verified w/ note |
| xxxxxx | 845054 | xxxxxx | PITI | 6853.29 | 6753.29 | Verified PITI only |
| xxxxxx | 845054 | xxxxxx | Product Code | CACT 30 YR FIXED | CACT30YF | same |
| xxxxxx | 845054 | xxxxxx | QM Status |  | Exempt | Organizational Exemption |
| xxxxxx | 845054 | xxxxxx | Qualifying DTI | 49.66400 | 0.49664 | same |
| xxxxxx | 845293 | xxxxxx | Doc Type | Alternative | Bank Statement | 24 Mo Bank Statements |
| xxxxxx | 845293 | xxxxxx | Property Zip | xxxxxx | xxxxxx | verified |
| xxxxxx | 846045 | xxxxxx | Doc Type | Alternative Doc | Bank Statement | Verified with loan approval |
| xxxxxx | 846045 | xxxxxx | DSCR | 0.510 |  | Not a DSCR loan |
| xxxxxx | 846045 | xxxxxx | Note Date |  | xxxxxx | Verified w/ note |
| xxxxxx | 846045 | xxxxxx | QM Status |  | Exempt | Organizational Exemption |
| xxxxxx | 846045 | xxxxxx | Qualifying DTI | 17.43100 | 0.21229 | Primary residence payment was not included. Within tolerance. |
| xxxxxx | 846054 | xxxxxx | Doc Type | Alternative Doc | Bank Statement | verified, 12 month bank statements |
| xxxxxx | 846054 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | verified |
| xxxxxx | 846054 | xxxxxx | Maturity Date | xxxxxx | xxxxxx | verified |
| xxxxxx | 846054 | xxxxxx | Note Date |  | xxxxxx | verified |
| xxxxxx | 846054 | xxxxxx | Product Code | CACT 30 YR FIXED | CACT30YF | same |
| xxxxxx | 846054 | xxxxxx | QM Status |  | Exempt | verified |
| xxxxxx | 846054 | xxxxxx | Qualifying DTI | 22.35900 | 0.22359 | verified |
| xxxxxx | 846056 | xxxxxx | Doc Type | Alternative Doc | P&L | P&L approval |
| xxxxxx | 846056 | xxxxxx | Note Date |  | xxxxxx | verified |
| xxxxxx | 846056 | xxxxxx | QM Status |  | Exempt | verified |
| xxxxxx | 846057 | xxxxxx | Doc Type | Alternative Doc | Bank Statement | 12-month BoA Bank Statement loan |
| xxxxxx | 846057 | xxxxxx | Note Date |  | xxxxxx | Verified w/ note |
| xxxxxx | 846057 | xxxxxx | PITI | 2338.11 | 2289.44 | HOA $48.66 not included in |
| xxxxxx | 846057 | xxxxxx | Product Code | CACT 30 YR FIXED | CACT30YF | Same |
| xxxxxx | 846057 | xxxxxx | QM Status |  | Exempt | Organizational Exemption |
| xxxxxx | 846057 | xxxxxx | Qualifying DTI | 38.61600 | 0.38616 | Same |
| xxxxxx | 846059 | xxxxxx | Doc Type | Alternative Doc | Bank Statement | Verified by rate lock as bank statement |
| xxxxxx | 846059 | xxxxxx | Note Date |  | xxxxxx | verified |
| xxxxxx | 846059 | xxxxxx | PITI | 3293.88 | 3193.88 | PITI 3193.88+ HOA 100.00 = 3293.88 |
| xxxxxx | 846059 | xxxxxx | Product Code | CACT 30 YR FIXED | CACT30YF | Same |
| xxxxxx | 846059 | xxxxxx | QM Status |  | Exempt | verified |
| xxxxxx | 846059 | xxxxxx | Qualifying DTI | 31.24300 | 0.31243 | Same |
| xxxxxx | 846060 | xxxxxx | Doc Type | Alternative Doc | Bank Statement | Verified with Loan Approval. |
| xxxxxx | 846060 | xxxxxx | Note Date |  | xxxxxx | verified |
| xxxxxx | 846060 | xxxxxx | Property Zip | xxxxxx | xxxxxx | verified |
| xxxxxx | 846060 | xxxxxx | QM Status |  | Exempt | verified |
| xxxxxx | 846060 | xxxxxx | Qualifying DTI | 36.87800 | 0.34966 | Verified with bank statements and credit report, Auth User account excluded |
| xxxxxx | 846061 | xxxxxx | Doc Type | Alternative Doc | Bank Statement | verified with loan approval |
| xxxxxx | 846061 | xxxxxx | Note Date |  | xxxxxx | Verified w/ note |
| xxxxxx | 846061 | xxxxxx | Product Code | CACT 30 YR FIXED | CACT30YF | same |
| xxxxxx | 846061 | xxxxxx | QM Status |  | Exempt | Organizational Exemption |
| xxxxxx | 846061 | xxxxxx | Qualifying DTI | 32.12400 | 0.43324 | verified with business bank statements provided and total debts |
| xxxxxx | 846062 | xxxxxx | Doc Type | Alternative Doc | P&L | verified with loan approval |
| xxxxxx | 846062 | xxxxxx | Note Date |  | xxxxxx | verified |
| xxxxxx | 846062 | xxxxxx | QM Status |  | Exempt | verified |
| xxxxxx | 846062 | xxxxxx | Qualifying DTI | 35.97500 | 0.35975 | same |
| xxxxxx | 846064 | xxxxxx | Doc Type | Alternative Doc | P&L | verified with loan approval |
| xxxxxx | 846064 | xxxxxx | Note Date |  | xxxxxx | verified |
| xxxxxx | 846064 | xxxxxx | QM Status |  | Exempt | verified |
| xxxxxx | 846065 | xxxxxx | Doc Type | Alternative Doc | P&L | Verified with income documentation. |
| xxxxxx | 846065 | xxxxxx | Note Date |  | xxxxxx | verified |
| xxxxxx | 846065 | xxxxxx | PITI | 2690.16 | 2640.16 | Data was entered in PITI field as $2,690.16 |
| xxxxxx | 846065 | xxxxxx | Product Code | CACT 30 YR FIXED | CACT30YF | same |
| xxxxxx | 846065 | xxxxxx | QM Status |  | Exempt | verified |
| xxxxxx | 846065 | xxxxxx | Qualifying DTI | 39.34500 | 0.39345 | same |
| xxxxxx | 846066 | xxxxxx | Doc Type | Alternative Doc | Bank Statement | Verified with approval |
| xxxxxx | 846066 | xxxxxx | Note Date |  | xxxxxx | Verified w/ note |
| xxxxxx | 846066 | xxxxxx | QM Status |  | Exempt | Organizational Exemption |
| xxxxxx | 846066 | xxxxxx | Qualifying DTI | 44.81900 | 0.44819 | same |
| xxxxxx | 846069 | xxxxxx | Doc Type | Alternative Doc | Bank Statement | Verified with loan approval |
| xxxxxx | 846069 | xxxxxx | Note Date |  | xxxxxx | verified |
| xxxxxx | 846069 | xxxxxx | PITI | 1981.05 | 1856.82 | Verified PITI only |
| xxxxxx | 846069 | xxxxxx | QM Status |  | Exempt | verified |
| xxxxxx | 846069 | xxxxxx | Qualifying DTI | 27.20500 | 0.49271 | Difference due to bank statement analysis reflected lower income |
| xxxxxx | 846071 | xxxxxx | Doc Type | Alternative Doc | P&L | Verified with approval, final 1008 and lock confirmation |
| xxxxxx | 846071 | xxxxxx | Note Date |  | xxxxxx | verified |
| xxxxxx | 846071 | xxxxxx | PITI | 4054.67 | 4046.34 | Bid Tape included HOA dues and Audited did not, however, it was entered into the CLDD screen |
| xxxxxx | 846071 | xxxxxx | Product Code | CACT 30 YR FIXED | CACT30YF | same |
| xxxxxx | 846071 | xxxxxx | QM Status |  | Exempt | verified |
| xxxxxx | 846071 | xxxxxx | Qualifying DTI | 35.66200 | 0.35662 | same |
| xxxxxx | 846072 | xxxxxx | Doc Type | Alternative Doc | P&L | Verified with loan approval |
| xxxxxx | 846072 | xxxxxx | Note Date |  | xxxxxx | Verified w/ note |
| xxxxxx | 846072 | xxxxxx | QM Status |  | Exempt | Organizational Exemption |
| xxxxxx | 846072 | xxxxxx | Qualifying DTI | 26.24400 | 0.26244 | same |
| xxxxxx | 846073 | xxxxxx | Doc Type | Alternative Doc | P&L | Verified with loan approval |
| xxxxxx | 846073 | xxxxxx | Note Date |  | xxxxxx | Verified |
| xxxxxx | 846073 | xxxxxx | PITI | 2533.00 | 2240.00 | Verified PITI only |
| xxxxxx | 846073 | xxxxxx | QM Status |  | Exempt | verified |
| xxxxxx | 846073 | xxxxxx | Qualifying DTI | 40.96400 | 0.40964 | same |
| xxxxxx | 846077 | xxxxxx | Doc Type | Alternative Doc | Bank Statement | Verified with loan approval |
| xxxxxx | 846077 | xxxxxx | First Payment Date | xxxxxx | xxxxxx | verified |
| xxxxxx | 846077 | xxxxxx | Maturity Date | xxxxxx | xxxxxx | verified |
| xxxxxx | 846077 | xxxxxx | Note Date |  | xxxxxx | verified |
| xxxxxx | 846077 | xxxxxx | QM Status |  | Exempt | verified |
| xxxxxx | 846077 | xxxxxx | Qualifying DTI | 24.46100 | 0.24461 | same |
| xxxxxx | 846080 | xxxxxx | Doc Type | Alternative Doc | Bank Statement | Verified with loan approval |
| xxxxxx | 846080 | xxxxxx | Note Date |  | xxxxxx | Verified w/ note |
| xxxxxx | 846080 | xxxxxx | PITI | 3598.17 | 3473.17 | Les HOA |
| xxxxxx | 846080 | xxxxxx | QM Status |  | Exempt | Organizational Exemption |
| xxxxxx | 846080 | xxxxxx | Qualifying DTI | 21.34800 | 0.21348 | Verified with total debt $3623.17/36971.81 |
| xxxxxx | 846082 | xxxxxx | Doc Type | Alternative Doc | P&L | Verified iwth loan approval |
| xxxxxx | 846082 | xxxxxx | Note Date |  | xxxxxx | Verified w/ note |
| xxxxxx | 846082 | xxxxxx | PITI | 3564.35 | 3310.35 | Less HOA |
| xxxxxx | 846082 | xxxxxx | Product Code | CACT 30 YR FIXED | CACT30YF | Same |
| xxxxxx | 846082 | xxxxxx | QM Status |  | Exempt | Organizational Exemption |
| xxxxxx | 846082 | xxxxxx | Qualifying DTI | 54.94900 | 0.54949 | Same |
| xxxxxx | 846084 | xxxxxx | Doc Type | Alternative Doc | Bank Statement | Verified by rate lock as bank statement |
| xxxxxx | 846084 | xxxxxx | Note Date |  | xxxxxx | verified |
| xxxxxx | 846084 | xxxxxx | Product Code | CACT 30 YR FIXED | CACT30YF | Same |
| xxxxxx | 846084 | xxxxxx | QM Status |  | Exempt | verified |
| xxxxxx | 846084 | xxxxxx | Qualifying DTI | 40.13400 | 0.40134 | Same |
| xxxxxx | 847264 | xxxxxx | Doc Type | Alternative Doc | Bank Statement | 12-month Business Bank Statement loan approval. |
| xxxxxx | 847264 | xxxxxx | Note Date |  | xxxxxx | verified |
| xxxxxx | 847264 | xxxxxx | PITI | 5394.56 | 5167.56 | 277 HOA not included in PITI |
| xxxxxx | 847264 | xxxxxx | QM Status |  | Exempt | verified |
| xxxxxx | 847264 | xxxxxx | Qualifying DTI | 41.63600 | 0.41714 | Within tolerance |
| xxxxxx | 847265 | xxxxxx | Doc Type | Alternative Doc | P&L | Verified with loan approval |
| xxxxxx | 847265 | xxxxxx | Note Date |  | xxxxxx | verified |
| xxxxxx | 847265 | xxxxxx | QM Status |  | Exempt | verified |
| xxxxxx | 847266 | xxxxxx | Doc Type | Alternative Doc | P&L | P&L Loan Approval 90% owner |
| xxxxxx | 847266 | xxxxxx | Note Date |  | xxxxxx | Verified w/ note |
| xxxxxx | 847266 | xxxxxx | Product Code | CACT 30 YR FIXED | CACT30YF | Same |
| xxxxxx | 847266 | xxxxxx | QM Status |  | Exempt | Organizational Exemption |
| xxxxxx | 847266 | xxxxxx | Qualifying DTI | 54.37300 | 0.54316 | with tolerance. Deficiency added over 50% |
| xxxxxx | 847268 | xxxxxx | Doc Type | Alternative Doc | P&L | Verified with Loan Approval |
| xxxxxx | 847268 | xxxxxx | Note Date |  | xxxxxx | verified |
| xxxxxx | 847268 | xxxxxx | QM Status |  | Exempt | verified |
| xxxxxx | 847268 | xxxxxx | Qualifying DTI | 41.43600 | 0.41436 | Same; variance due to rounding |
| xxxxxx | 847270 | xxxxxx | Doc Type | Alternative Doc | P&L | same |
| xxxxxx | 847270 | xxxxxx | Note Date |  | xxxxxx | verified |
| xxxxxx | 847270 | xxxxxx | QM Status |  | Exempt | Verified |
| xxxxxx | 847270 | xxxxxx | Qualifying DTI | 31.96400 | 0.31964 | same |
| xxxxxx | 847271 | xxxxxx | Doc Type | Alternative Doc | Bank Statement | Verified with loan approval |
| xxxxxx | 847271 | xxxxxx | Note Date |  | xxxxxx | Verified w/ note |
| xxxxxx | 847271 | xxxxxx | QM Status |  | Exempt | Organizational Exemption |
| xxxxxx | 847271 | xxxxxx | Qualifying DTI | 8.47500 | 0.09618 | Within tolerance. |

---

## Exhibit 99.31

**EXHIBIT 99.31**

**Evolve QM ATR Data**

![](tm2529922d1_ex99-29img01.jpg)

**QM ATR Data**

**Run Date - 10/13/2025 10:55:47 AM**

---

| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Loan Level ATR/QM Status** | **Verified Safe Harbor** | **Application Date Prior to 1/10/2014** | **Lender Application Date** | **GSE Eligible** | **CDFI Indicator** | **ATR/QM Total Points and Fees** | **Rate Lock Date** | **APR** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Borrower Foreign National Indicator** | **Borrower Residency Source** | **Co Borrower Foreign National Indicator** | **Co Borrower Residency Source** | **Residual Income to Qualify?** | **ATR/QM Residual Income** |
| xxxxxx | 843217 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxxxxx | 843274 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| xxxxxx | 843308 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  |  | 0.00% | Not Required |  | xxxxxx |  |  |  | No |  |
| xxxxxx | 843991 | xxxxxx | Non-QM | N/A | No | xxxxxx | No | No | $13095.00 | xxxxxx | 7.907% | Self-Employed |  | US Citizen |  |  |  | Yes | $58565.36 |
| xxxxxx | 844152 | xxxxxx | Exempt | N/A | No | xxxxxx | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| xxxxxx | 844382 | xxxxxx | Safe Harbor QM (APOR) | Not Provided | No | xxxxxx | No | No | $26097.70 | xxxxxx | 7.752% | Self-Employed |  | US Citizen |  |  |  | Yes | $64834.41 |
| xxxxxx | 844785 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  | xxxxxx | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| xxxxxx | 844791 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  | xxxxxx | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| xxxxxx | 844795 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  | xxxxxx | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| xxxxxx | 844852 | xxxxxx | Non-QM | N/A | No | xxxxxx | No | No | $0.00 | xxxxxx | 8.33% | Self-Employed |  | US Citizen |  |  |  | Yes | $5046.70 |
| xxxxxx | 845034 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  | xxxxxx | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| xxxxxx | 845054 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  | xxxxxx | 0.00% | Employed | Not Required | US Citizen |  | US Citizen |  | No |  |
| xxxxxx | 845293 | xxxxxx | Non-QM | N/A | No | xxxxxx | No | No | $6858.55 | xxxxxx | 8.57% | Self-Employed |  | xxxxxx |  |  |  | Yes | $4623.66 |
| xxxxxx | 846045 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| xxxxxx | 846054 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  | xxxxxx | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| xxxxxx | 846056 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  | xxxxxx | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| xxxxxx | 846057 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  | xxxxxx | 0.00% | Self-Employed |  | xxxxxx |  |  |  | No |  |
| xxxxxx | 846059 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  | xxxxxx | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| xxxxxx | 846060 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  | xxxxxx | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| xxxxxx | 846061 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  | xxxxxx | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| xxxxxx | 846062 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  | xxxxxx | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| xxxxxx | 846064 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  | xxxxxx | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| xxxxxx | 846065 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  | xxxxxx | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| xxxxxx | 846066 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  | xxxxxx | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| xxxxxx | 846069 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  | xxxxxx | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| xxxxxx | 846071 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  | xxxxxx | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| xxxxxx | 846072 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  | xxxxxx | 0.00% | Self-Employed |  | xxxxxx |  |  |  | No |  |
| xxxxxx | 846073 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  | xxxxxx | 0.00% | Self-Employed |  | xxxxxx | Other |  |  | No |  |
| xxxxxx | 846077 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  | xxxxxx | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| xxxxxx | 846080 | xxxxxx | Exempt | N/A | No | xxxxxx | Yes | Yes |  | xxxxxx | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| xxxxxx | 846082 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  | xxxxxx | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $3752.76 |
| xxxxxx | 846084 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  | xxxxxx | 0.00% | Self-Employed | Not Required | US Citizen |  | US Citizen |  | No |  |
| xxxxxx | 846158 | xxxxxx | Safe Harbor QM (APOR) | Not Provided | No | xxxxxx | No | No | $14555.00 | xxxxxx | 8.153% | Self-Employed |  | US Citizen |  |  |  | Yes | $40211.39 |
| xxxxxx | 847264 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  | xxxxxx | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| xxxxxx | 847265 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  | xxxxxx | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| xxxxxx | 847266 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  | xxxxxx | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| xxxxxx | 847268 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  | xxxxxx | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| xxxxxx | 847270 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  | xxxxxx | 0.00% | Self-Employed |  | xxxxxx |  |  |  | No |  |
| xxxxxx | 847271 | xxxxxx | Exempt | N/A | No | xxxxxx | No | Yes |  | xxxxxx | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |

---

## Exhibit 99.32

**EXHIBIT 99.32**

**Evolve Rating Agency Grades**

![](tm2529922d1_ex99-29img01.jpg)

**Rating Agency Grades**

**Run Date - 10/19/2025 5:02:37 PM**

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| xxxxxx | 843217 | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| xxxxxx | 846054 | xxxxxx | xxxxxx C | A | A | A | A | A C | A | A | A | A | A |
| xxxxxx | 843274 | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| xxxxxx | 843308 | xxxxxx | 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 |
| xxxxxx | 846056 | xxxxxx | xxxxxx A | C | C | C | C | C A | A | A | A | A | A |
| xxxxxx | 846057 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| xxxxxx | 845034 | xxxxxx | xxxxxx C | C | C | C | C | C A | B | B | B | B | B A |
| xxxxxx | 844785 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| xxxxxx | 846059 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| xxxxxx | 846060 | xxxxxx | xxxxxx A | C | C | C | C | C A | A | A | A | A | A |
| xxxxxx | 846061 | xxxxxx | xxxxxx C | A | A | A | A | A C | A | A | A | A | A |
| xxxxxx | 846062 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| xxxxxx | 844791 | xxxxxx | xxxxxx A | C | C | C | C | C A | A | A | A | A | A |
| xxxxxx | 846064 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| xxxxxx | 846065 | xxxxxx | xxxxxx C | A | A | A | A | A C | A | A | A | A | A |
| xxxxxx | 846066 | xxxxxx | xxxxxx C | A | A | A | A | A C | A | A | A | A | A |
| xxxxxx | 844795 | xxxxxx | xxxxxx A | C | C | C | C | C A | A | A | A | A | A |
| xxxxxx | 847268 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| xxxxxx | 845054 | xxxxxx | xxxxxx C | A | A | A | A | A C B | A | A | A | A | A B |
| xxxxxx | 846069 | xxxxxx | xxxxxx C | A | A | A | A | A C | A | A | A | A | A |
| xxxxxx | 846071 | xxxxxx | xxxxxx D | C | C | C | C | C A D | A | A | A | A | A |
| xxxxxx | 846045 | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| xxxxxx | 846072 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| xxxxxx | 847265 | xxxxxx | xxxxxx D | A | A | A | A | A D B | A | A | A | A | A B |
| xxxxxx | 846073 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| xxxxxx | 846077 | xxxxxx | xxxxxx C | C | C | C | C | C A | A | A | A | A | A |
| xxxxxx | 847266 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| xxxxxx | 847270 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| xxxxxx | 846080 | xxxxxx | xxxxxx C | A | A | A | A | A C B | A | A | A | A | A B |
| xxxxxx | 846082 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| xxxxxx | 847271 | xxxxxx | xxxxxx C | A | A | A | A | A C | A | A | A | A | A |
| xxxxxx | 847264 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| xxxxxx | 846084 | xxxxxx | xxxxxx C | A | A | A | A | A C B | A | A | A | A | A B |
| xxxxxx | 844152 | xxxxxx | xxxxxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| xxxxxx | 844852 | xxxxxx | xxxxxx C | C | C | C | C | C A | B | B | B | B | B A |
| xxxxxx | 846158 | xxxxxx | xxxxxx C | A | A | A | A | A C B | A | A | A | A | A B |
| xxxxxx | 843991 | xxxxxx | xxxxxx C | A | A | A | A | A C B | A | A | A | A | A B |
| xxxxxx | 844382 | xxxxxx | xxxxxx A | A | A | A | A | A | A | A | A | A | A |
| xxxxxx | 845293 | xxxxxx | xxxxxx D | A | A | A | A | A D | A | A | A | A | A |

---

## Exhibit 99.33

**EXHIBIT 99.33**

**Evolve Valuation Report**

![](tm2529922d1_ex99-29img01.jpg)

**Valuation Report**

**Run Date - 10/13/2025 10:55:47 AM**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Multi Property Values** | **Updated Multi Property Values** | **Updated Multi Property Values** | | |
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Appraised Value** | **Value for LTV** | **Appraisal Date** | **Appraisal Type** | **Appraisal Company** | **Appraiser Name** | **Appraiser State License Number** | **Second Appraisal Value** | **Variance Amount** | **Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Confidence Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Risk Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| xxxxxx | 843217 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250430 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Low | 20250605 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.7 |
| xxxxxx | 843274 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250211 | 1025 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Low | 20250610 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 843308 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250603 | 1073 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| xxxxxx | 843991 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250804 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | A | 20250813 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 844152 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250715 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Low | 20250717 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.6 |
| xxxxxx | 844382 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250729 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | A | 20250815 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 844785 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250615 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| xxxxxx | 844791 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250625 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.7 |
| xxxxxx | 844795 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250703 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| xxxxxx | 844852 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250703 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | A | 20250709 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 845034 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250619 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.4 |
| xxxxxx | 845054 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250708 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Low | 20250715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.9 |
| xxxxxx | 845293 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250809 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | A | 20250815 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 846045 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250716 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| xxxxxx | 846054 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250127 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.4 |
| xxxxxx | 846056 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250627 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| xxxxxx | 846057 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250613 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| xxxxxx | 846059 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250715 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Low | 20250721 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| xxxxxx | 846060 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250620 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2 |
| xxxxxx | 846061 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250715 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Low Risk | 20250724 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3 |
| xxxxxx | 846062 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250701 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Low | 20250728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.1 |
| xxxxxx | 846064 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250627 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Low Risk | 20250708 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 846065 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250707 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| xxxxxx | 846066 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250709 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| xxxxxx | 846069 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250715 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.5 |
| xxxxxx | 846071 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250505 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.1 |
| xxxxxx | 846072 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250724 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.8 |
| xxxxxx | 846073 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250627 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.3 |
| xxxxxx | 846077 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250716 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| xxxxxx | 846080 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250717 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| xxxxxx | 846082 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250627 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Low | 20250723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.6 |
| xxxxxx | 846084 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250618 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Low | 20250807 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 846158 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250715 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | A | 20250715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxxxx | 847264 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250805 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.1 |
| xxxxxx | 847265 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250421 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Moderate | 20250717 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.7 |
| xxxxxx | 847266 | xxxxxx | xxxxxx | xxxxxx |  | xxxxxx | xxxxxx | 20250722 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Low | 20250811 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.7 |
| xxxxxx | 847268 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250705 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| xxxxxx | 847270 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250724 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx | Low | 20250820 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.5 |
| xxxxxx | 847271 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 20250720 | 1004 | xxxxxx | xxxxxx | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.5 |

---

## Exhibit 99.34

**EXHIBIT 99.34**

**Consolidated Analytics, Inc. ("Consolidated Analytics") Executive Summary**

---

| | |
|:---|:---|
| ![](tm2529922d1_ex99-34img01.jpg) | 1 MacArthur Place - Suite 100 |
| ![](tm2529922d1_ex99-34img01.jpg) | Santa Ana, CA 92707 |
| ![](tm2529922d1_ex99-34img01.jpg) | 800.320.9490 |
| ![](tm2529922d1_ex99-34img01.jpg) | ConsolidatedAnalytics.com |
| ![](tm2529922d1_ex99-34img01.jpg) |  |

---

**EXECUTIVE SUMMARY**

Third Party Due Diligence Review

**October 29, 2025**

Verus 2025-11

Overview

Consolidated Analytics, Inc. a third-party due diligence provider, performed the review described below on behalf of its client, VMC Asset Pooler, LLC. The review included a total of 194 business purpose, residential mortgage loans, in connection with the securitization identified as Verus 2025-11 (the "Securitization"). The review began on January of 2025, and concluded October of 2025.

Scope of Review

**Credit Review**

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

The Credit Review attempted to confirm the following:

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Property Valuation:** For each property, confirm the presence of a complete appraisal report and
supporting secondary independent estimate of value. For the purposes of qualification, Client ascertained internal valuations that did
not adhere to USPAP or FIRREA standards to qualify Loan-to-Value ratios as described in Subsection C.

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

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

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

---

| | |
|:---|:---|
| ![](tm2529922d1_ex99-34img01.jpg) | 1 MacArthur Place - Suite 100 |
| ![](tm2529922d1_ex99-34img01.jpg) | Santa Ana, CA 92707 |
| ![](tm2529922d1_ex99-34img01.jpg) | 800.320.9490 |
| ![](tm2529922d1_ex99-34img01.jpg) | ConsolidatedAnalytics.com |
| ![](tm2529922d1_ex99-34img01.jpg) |  |

---

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Rehabilitation Budget:** As applicable based on loan type, confirm the presence of a rehabilitation
budget in the mortgage loan file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Feasibility Study:** As applicable based on loan type,
confirm the presence of a feasibility study in the mortgage loan file

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Assets:** Validate that the mortgage loan file contains adequately qualified verification of assets
to meet underwriting standards based on guideline eligibility requirements. For all loans in the population, required asset qualification
was determined using an internal process.

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

---

| | |
|:---|:---|
| ![](tm2529922d1_ex99-34img01.jpg) | 1 MacArthur Place - Suite 100 |
| ![](tm2529922d1_ex99-34img01.jpg) | Santa Ana, CA 92707 |
| ![](tm2529922d1_ex99-34img01.jpg) | 800.320.9490 |
| ![](tm2529922d1_ex99-34img01.jpg) | ConsolidatedAnalytics.com |
| ![](tm2529922d1_ex99-34img01.jpg) |  |

---

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Occupancy:** Confirm that the occupancy of each subject property used for qualification of the loan
is accurate and compliant with guideline requirements. Confirm that the borrower has executed an affidavit of commercial/business purpose
and that no other documentation that shows each subject property might be a primary residence.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Loan-to-Value Ratios:** Recalculate the Loan-to-Value Ratio utilizing the Purchase Contract, Property
Valuations and/or Loan Agreements to determine whether initial, as-is and as-repaired LTV and CLTV meet loan qualification based on the
calculation methods set forth in underwriting guidelines. The Loan-to-Value ratios were ascertained using internal qualifying values despite
the presence of an appraisal conducted by a third-party. These internal valuations did not adhere to USPAP or FIRREA standards.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Loan-to-Cost Ratios**: Recalculate the Loan-to-Cost Ratio utilizing the Purchase Contract and Settlement
Statement to determine whether LTC meets loan qualification based on the calculation methods set forth in underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Insurance**: Confirm the adequacy of hazard insurance coverage and, if required based on flood zone,
confirm the presence and adequacy of flood insurance coverage and premiums.

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o **Experience:** For all loans in the population, experience was stated by Client

**Valuation Review**

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

&nbsp;&nbsp;&nbsp;&nbsp;a. Review the original appraisal and all additional property valuation documentation to determine whether
source, format and type meet program and guideline eligibility requirements.

&nbsp;&nbsp;&nbsp;&nbsp;b. Confirm that the property type is an eligible property type per program standards and underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;c. Confirm that property standards conform to underwriting guidelines requirements.

&nbsp;&nbsp;&nbsp;&nbsp;d. Review and determine whether the appraisal was performed on appropriate form that meets program and guideline
eligibility requirements

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

---

| | |
|:---|:---|
| ![](tm2529922d1_ex99-34img01.jpg) | 1 MacArthur Place - Suite 100 |
| ![](tm2529922d1_ex99-34img01.jpg) | Santa Ana, CA 92707 |
| ![](tm2529922d1_ex99-34img01.jpg) | 800.320.9490 |
| ![](tm2529922d1_ex99-34img01.jpg) | ConsolidatedAnalytics.com |
| ![](tm2529922d1_ex99-34img01.jpg) |  |

---

For loans reviewed in a post-close valuation review (194 loans consisting of 242 individual properties), the origination value was based the following products:

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Primary Valuation Product** | &nbsp;&nbsp;**Count** |
| &nbsp;&nbsp;1004 | &nbsp;&nbsp;172 |
| &nbsp;&nbsp;1025 | &nbsp;&nbsp;60 |
| &nbsp;&nbsp;1073 | &nbsp;&nbsp;10 |
| &nbsp;&nbsp;**Totals:** | &nbsp;&nbsp;242 |

---

Of the 194 loans reviewed 182 are single property loans, and 3 are 2-property loans, 4 are 3-property loans, 1 are 4-property loans, 1 is a 5-property loan, 1 is a 7-property loan, 1 is a 8-property loan, and 1 is a 18-property loan.

Of the 194 loans, 242 properties were supported by a Desk Review.

In summary, the final secondary property valuation by product is as follows:

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Primary Valuation Product** | &nbsp;&nbsp;**Count** |
| &nbsp;&nbsp;Desk Review | &nbsp;&nbsp;242 |
| &nbsp;&nbsp;**Totals:** | &nbsp;&nbsp;242 |

---

---

| | |
|:---|:---|
| ![](tm2529922d1_ex99-34img01.jpg) | 1 MacArthur Place - Suite 100 |
| ![](tm2529922d1_ex99-34img01.jpg) | Santa Ana, CA 92707 |
| ![](tm2529922d1_ex99-34img01.jpg) | 800.320.9490 |
| ![](tm2529922d1_ex99-34img01.jpg) | ConsolidatedAnalytics.com |
| ![](tm2529922d1_ex99-34img01.jpg) |  |

---

Summary of Results

**Final Loan Grades**

---

| | | | | |
|:---|:---|:---|:---|:---|
| Overall Grades | Overall Grades | Overall Grades | Overall Grades | Overall Grades |
| Grade | Number of Mortgage<br> Loans | % of Mortgage<br> Loans (by loan<br> count) | Original Principal Balance | % of Mortgage Loans (by<br> aggregate original<br> principal balance) |
| A | 177 | 91.24% | $37401247.00 | 91.64% |
| B | 17 | 8.76% | $3412530.00 | 8.36% |
| C | 0 | 0.00% | $- | 0.00% |
| D | 0 | 0.00% | $- | 0.00% |
| Totals | 194 | 100.00% | $40813777.00 | 100.00% |
| Credit Grades | Credit Grades | Credit Grades | Credit Grades | Credit Grades |
| Grade | Number of Mortgage<br> Loans | % of Mortgage<br> Loans (by loan<br> count) | Original Principal Balance | % of Mortgage Loans (by<br> aggregate original<br> principal balance) |
| A | 180 | 92.78% | $37872927.00 | 92.79% |
| B | 14 | 7.22% | $2940850.00 | 7.21% |
| C | 0 | 0.00% | $- | 0.00% |
| D | 0 | 0.00% | $- | 0.00% |
| Totals | 194 | 100% | $40813777.00 | 100.00% |
| Valuation Grades | Valuation Grades | Valuation Grades | Valuation Grades | Valuation Grades |
| Grade | Number of Mortgage<br> Loans | % of Mortgage<br> Loans (by loan<br> count) | Original Principal Balance | % of Mortgage Loans (by<br> aggregate original<br> principal balance) |
| A | 191 | 98.45% | $40342097.00 | 98.84% |
| B | 3 | 1.55% | $471680.00 | 1.16% |
| C | 0 | 0.00% | $- | 0.00% |
| D | 0 | 0.00% | $- | 0.00% |
| Totals | 194 | 100.00% | $40813777.00 | 100.00% |

---

---

| | |
|:---|:---|
| ![](tm2529922d1_ex99-34img01.jpg) | 1 MacArthur Place - Suite 100 |
| ![](tm2529922d1_ex99-34img01.jpg) | Santa Ana, CA 92707 |
| ![](tm2529922d1_ex99-34img01.jpg) | 800.320.9490 |
| ![](tm2529922d1_ex99-34img01.jpg) | ConsolidatedAnalytics.com |
| ![](tm2529922d1_ex99-34img01.jpg) |  |

---

**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 Credit Grade of "B" and a Property Grade of "A" would receive an overall Loan Grade of "B").

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**CATEGORY** | &nbsp;&nbsp;**GRADE** | &nbsp;&nbsp;**FINDING DESCRIPTION** | &nbsp;&nbsp;**COUNT** |
| &nbsp;&nbsp;**CREDIT** | &nbsp;&nbsp;**B** | &nbsp;&nbsp;Credit Event – Requirement Not Met | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;**CREDIT** | &nbsp;&nbsp;**B** | &nbsp;&nbsp;DSCR Limits | &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;Hazard Insurance Missing or Defective | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;**CREDIT** | &nbsp;&nbsp;**B** | &nbsp;&nbsp;Significant Derogatory Credit Event – Requirement Not Met | &nbsp;&nbsp;3 |
|  |  | &nbsp;&nbsp;***Total Credit B Grade Findings:*** | &nbsp;&nbsp;***14*** |
|  |  | &nbsp;&nbsp;***Total Credit Findings:*** | &nbsp;&nbsp;***14*** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**CATEGORY** | &nbsp;&nbsp;**FINDING DESCRIPTION** | &nbsp;&nbsp;**COUNT** |
| &nbsp;&nbsp;PROPERTY &nbsp;&nbsp;B | &nbsp;&nbsp;Ineligible Property | &nbsp;&nbsp;3 |
|  | &nbsp;&nbsp;***Total Property B Grade Findings:*** | &nbsp;&nbsp;***3*** |
|  | &nbsp;&nbsp;***Total Property Findings:*** | &nbsp;&nbsp;***3*** |

---

## Exhibit 99.35

**EXHIBIT 99.35**

**Consolidated Analytics Exception Grades Report**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** | **Defect Name** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception Rebuttal Response Date** | **Compensating Factors** | **Initial Compliance Grade** | **Final Compliance Grade** | **Initial Compliance Grade (DBRS/Morningstar)** | **Initial Compliance Grade (Fitch)** | **Initial Compliance Grade (Kroll)** | **Initial Compliance Grade (Moodys)** | **Initial Compliance Grade (S&P)** | **Final Compliance Grade (DBRS/Morningstar)** | **Final Compliance Grade (Fitch)** | **Final Compliance Grade (Kroll)** | **Final Compliance Grade (Moodys)** | **Final Compliance Grade (S&P)** |
| 841433 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 2/4/2025 | Resolved | xxxxxx | Credit | 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 |
| 841434 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 2/20/2025 | Resolved | xxxxxx | Credit | 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 |
| 841435 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 2/20/2025 | Resolved | xxxxxx | Credit | 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 |
| 841436 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 3/12/2025 | Resolved | xxxxxx | Property | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : xxxxxx | 20250320: Uploaded | 20250320 | Received Appraisal Review for Subject Property | 20250320 | 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 |
| 841437 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 3/20/2025 | Resolved | xxxxxx | Credit | 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 |
| 841438 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 3/26/2025 | Resolved | xxxxxx | Credit | 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 |
| 841439 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 4/9/2025 | Resolved | xxxxxx | Credit | 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 |
| 841440 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 4/9/2025 | Resolved | xxxxxx | Credit | Insufficient Liquidity | Verified assets of $58,745.32 are less than minimum required of $141,770.32 . | 20250417: Uploaded | 20250417 | 20250417: Received additional bank statements to required at closing | 20250417 | D B C A | N/A | N/A D C | 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 |
| 841440 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 4/10/2025 | Resolved | xxxxxx | Credit | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : xxxxxx | 20250417: Uploaded | 20250417 | 20250417: Received Appraisal Review for Subject Property | 20250417 | D B A | N/A | N/A D C | 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 |
| 841440 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 4/11/2025 | Resolved | xxxxxx | Credit | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : xxxxxx | 20250417: Uploaded | 20250417 | 20250417: Received Appraisal Review for Subject Property | 20250417 | D B A | N/A | N/A D C | 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 |
| 841440 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 4/12/2025 | Resolved | xxxxxx | Credit | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : xxxxxx | 20250417: Uploaded | 20250417 | 20250417: Received Appraisal Review for Subject Property | 20250417 | D B A | N/A | N/A D C | 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 |
| 841440 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 4/17/2025 | Resolved | xxxxxx | Credit | Insufficient Liquidity | Verified assets of $58,745.32 are less than minimum required of $141,770.32 . | 20250417: Uploaded | 20250417 | 20250417: Received additional bank statements | 20250417 | D B C A | N/A | N/A D C | 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 |
| 841440 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 4/18/2025 | Resolved | xxxxxx | Credit | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : xxxxxx | 20250417: Uploaded | 20250417 | 20250417: Received Appraisal Review for Subject Property | 20250417 | D B A | N/A | N/A D C | 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 |
| 841440 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 4/19/2025 | Resolved | xxxxxx | Credit | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : xxxxxx | 20250417: Uploaded | 20250417 | 20250417: Received Appraisal Review for Subject Property | 20250417 | D B A | N/A | N/A D C | 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 |
| 841440 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 4/20/2025 | Resolved | xxxxxx | Credit | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : xxxxxx | 20250417: Uploaded | 20250417 | 20250417: Received Appraisal Review for Subject Property | 20250417 | D B A | N/A | N/A D C | 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 |
| 841440 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 4/22/2025 | Waived | xxxxxx | Credit | Hazard Insurance Missing or Defective | Max Deductible > 5% of Loan Amount | 20250417: Waive. Strong Fico. Strong Liquidity | 20250417 | 20250417: Waived with compensating factors | 20250417 | Fico +40, 16 Months Reserves D B C A | N/A | N/A D C | 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 |
| 841441 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 4/13/2025 | Resolved | xxxxxx | Property | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : xxxxxx | 20250417: Uploaded | 20250417 | 20250417: Received Appraisal Review for Subject Property | 20250417 | D B A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 841441 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 4/21/2025 | Resolved | xxxxxx | Property | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : xxxxxx | 20250417: Uploaded | 20250417 | 20250417: Received Appraisal Review for Subject Property | 20250417 | D B A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 841441 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 4/23/2025 | Waived | xxxxxx | Credit | DSCR Limits | DSCR of 1.193 < 1.2 Minimum required | 20250417: Post Close stip for borrower to provide the following within 30 days of close: Executed Lease Agreement, 1st Mo Payment verification, Security Deposit Pmt verification. FICO 787, Two sponsors to PG, Liquidity to support DP + holding <br> costs. | 20250417 | 20250417: Waived with compensating factors | 20250417 | Fico +40, 186 Months Reserves D B C A | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 841442 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 4/16/2025 | Resolved | xxxxxx | Property | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : xxxxxx | 20250422: Uploaded | 20250422 | 20250423: Received 20250422: xxxxxx uploaded for loan #xxxxxx | 20250423 | 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 |
| 841442 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 4/18/2025 | Resolved | xxxxxx | Property | Appraisal Review - Missing | Missing Appraisal Desk Review for property located at : xxxxxx | 20250422: Uploaded | 20250422 | 20250423: Received 20250422: xxxxxx uploaded for loan #xxxxxx | 20250423 | 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 |
| 841443 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 4/30/2025 | Resolved | xxxxxx | Credit | 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 |
| 841444 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 5/7/2025 | Resolved | xxxxxx | Credit | 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 |
| 841446 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 5/21/2025 | Resolved | xxxxxx | Property | Desk Review Variance > 10% | Appriasal Review Variance of -48.10% > 10% Maximum allowed | 20250707: Uploaded | 20250707 | Received Appraisal Review to cure vairance for Subject Property | 20250707 | 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 |
| 841447 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 5/21/2025 | Resolved | xxxxxx | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located at : xxxxxx | 20250604: Uploaded | 20250604 | Received Appraisal Review for Subject Property | 20250604 | 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 |
| 841448 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 5/21/2025 | Resolved | xxxxxx | Credit | 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 |
| 841449 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 5/21/2025 | Resolved | xxxxxx | Credit | 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 |
| 841450 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 5/21/2025 | Resolved | xxxxxx | Credit | 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 |
| 841451 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 5/21/2025 | Resolved | xxxxxx | Credit | 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 |
| 841452 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 5/21/2025 | Resolved | xxxxxx | Credit | 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 |
| 841453 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 5/21/2025 | Resolved | xxxxxx | Credit | 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 |
| 841454 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 5/21/2025 | Waived | xxxxxx | Credit | Hazard Insurance Missing or Defective | Max Deductible > 5% of Loan Amount | 20250604: Uploaded exception. Small loan amount, cash flows very well, internal refi, deductible is 2% | 20250604 | Waived with compensating factors | 20250604 | Fico +20, DSCR 2.0 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 |
| 841455 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 5/21/2025 | Resolved | xxxxxx | Credit | 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 |
| 841456 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 5/21/2025 | Resolved | xxxxxx | Credit | 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 |
| 841457 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 5/21/2025 | Resolved | xxxxxx | Credit | 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 |
| 841458 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 5/21/2025 | Resolved | xxxxxx | Credit | 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 |
| 841459 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 5/21/2025 | Resolved | xxxxxx | Credit | Background Check Missing or Defective | Background Check Reflects Unspecified Criminal Offenses | Uploaded | 20250522 | Received LOE, minor offense | 20250524 | 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 |
| 841460 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 5/21/2025 | Resolved | xxxxxx | Credit | 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 |
| 841461 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 5/21/2025 | Resolved | xxxxxx | Credit | Insufficient Assets to Close | Insufficient Liquidity \| Verified assets of $8,549.00 are less than minimum required of $46,422.37 . Borrower short - $(37,873.37) | 20250604: Uploaded | 20250604 | Received additional bank statements to required at closing | 20250604 | 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 |
| 841462 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 5/21/2025 | Resolved | xxxxxx | Credit | 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 |
| 841463 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 5/21/2025 | Resolved | xxxxxx | Credit | 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 |
| 841464 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 5/29/2025 | Resolved | xxxxxx | Credit | 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 |
| 841465 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 5/29/2025 | Resolved | xxxxxx | Credit | 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 |
| 841466 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 5/29/2025 | Waived | xxxxxx | Credit | Credit Event – Requirement Not Met | Borrower is in a yellow status on the Sponsor Scorecard due to being past maturity on two xxxxxx loans | We are refinancing out of each of the xxxxxx loans into this xxxxxx loans. Strong credit. Strong equity position. Property is 100% occupied with verified lease and payments. | 20250612 | Waived with compensating factors | 20250612 | Fico +20, DSCR 1.25 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 |
| 841467 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 5/29/2025 | Resolved | xxxxxx | Credit | 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 |
| 841468 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 5/29/2025 | Resolved | xxxxxx | Credit | 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 |
| 841469 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 5/29/2025 | Resolved | xxxxxx | Credit | 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 |
| 841470 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 5/29/2025 | Resolved | xxxxxx | Credit | 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 |
| 841471 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 5/29/2025 | Resolved | xxxxxx | Property | Desk Review Variance > 10% | Appriasal Review Variance of -28.57% > 10% Maximum allowed | 20250716: Uploaded | 20250716 | Received Appraisal Review to cure vairance for Subject Property | 20250716 | 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 |
| 841472 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 5/29/2025 | Resolved | xxxxxx | Credit | Note Missing or Defective | Provided Note missing pages | 20250604: uploaded | 20250604 | Received Note | 20250604 | 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 |
| 841473 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 5/29/2025 | Resolved | xxxxxx | Credit | 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 |
| 841474 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 6/4/2025 | Resolved | xxxxxx | Credit | 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 |
| 841475 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 6/4/2025 | Resolved | xxxxxx | Credit | 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 |
| 841476 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 6/4/2025 | Resolved | xxxxxx | Credit | 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 |
| 841477 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 6/4/2025 | Resolved | xxxxxx | Credit | 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 |
| 841478 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 6/4/2025 | Resolved | xxxxxx | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located at : xxxxxx | 20250612: Uploaded | 20250612 | Received Appraisal Review for Subject Property | 20250612 | 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 |
| 841479 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 6/4/2025 | Resolved | xxxxxx | Credit | 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 |
| 841480 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 6/4/2025 | Resolved | xxxxxx | Credit | 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 |
| 841481 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 6/4/2025 | Resolved | xxxxxx | Credit | 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 |
| 841482 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 6/4/2025 | Resolved | xxxxxx | Credit | 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 |
| 841483 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 6/4/2025 | Waived | xxxxxx | Property | Ineligible Property | Property considered to be Rual Property | 20250612: Waived. Good Credit, Expereinced borrower | 20250612 | Waived with compensating factors | 20250612 | Fico +20, 65% LTV C 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 |
| 841484 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 6/4/2025 | Resolved | xxxxxx | Credit | 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 |
| 841485 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 6/4/2025 | Resolved | xxxxxx | Credit | 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 |
| 841486 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 6/4/2025 | Resolved | xxxxxx | Credit | 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 |
| 841487 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 6/4/2025 | Resolved | xxxxxx | Credit | 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 |
| 841488 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 6/4/2025 | Resolved | xxxxxx | Credit | 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 |
| 841489 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 6/4/2025 | Resolved | xxxxxx | Credit | 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 |
| 841490 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 6/4/2025 | Resolved | xxxxxx | Credit | 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 |
| 841491 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 6/4/2025 | Resolved | xxxxxx | Credit | 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 |
| 841492 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 6/4/2025 | Resolved | xxxxxx | Credit | 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 |
| 841493 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 6/4/2025 | Resolved | xxxxxx | Credit | 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 |
| 841494 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 6/4/2025 | Resolved | xxxxxx | Credit | Asset Documentation Missing or Defective | Insufficient Liquidity \| Verified assets of $4,943.94 are less than minimum required of $7,226.19 . Borrower short - $(1105.81) | Uploaded | 20250605 | Received additional bank statements to required at closing | 20250605 | 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 |
| 841495 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 6/4/2025 | Resolved | xxxxxx | Credit | 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 |
| 841496 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 6/4/2025 | Resolved | xxxxxx | Credit | Missing Cert of Good Standing | Good Standing for the entity " xxxxxx LLC" status is "involuntary dissolution". | Uploaded | 20250612 | Received updated Good Standing | 20250612 | 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 |
| 841496 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 6/4/2025 | Resolved | xxxxxx | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located at : xxxxxx | Uploaded | 20250517 | Received Appraisal Review for Subject Property | 20250517 | 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 |
| 841497 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 6/4/2025 | Resolved | xxxxxx | Credit | 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 |
| 841498 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 6/4/2025 | Resolved | xxxxxx | Credit | 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 |
| 841499 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 6/4/2025 | Resolved | xxxxxx | Credit | 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 |
| 841500 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 6/4/2025 | Resolved | xxxxxx | Credit | 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 |
| 841501 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 6/11/2025 | Resolved | xxxxxx | Credit | 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 |
| 841502 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 6/11/2025 | Resolved | xxxxxx | Credit | 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 |
| 841503 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 6/11/2025 | Resolved | xxxxxx | Credit | 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 |
| 841504 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 6/4/2025 | Resolved | xxxxxx | Credit | Asset Documentation Missing or Defective | Insufficient Liquidity \| Verified assets of $12,410.58 are less than minimum required of $40,004.39 Borrower short - $(27,593.81) | 20250702: March and April statements provided as May statement was not available at closing. Also UW guidelines state that asset verification must be within 30 days which is the case - see uploaded xxxxxx from 5.19 | 20250702 | Received additional bank statements to required at closing | 20250702 | 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 |
| 841505 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 6/4/2025 | Resolved | xxxxxx | Credit | DSCR Minimum Not Met | DSCR of 0.94 < 1.0 Minimum required | 20250618: Please explain. Final report and Lima data tape have matching values and both show DSCR of 1.002. | 20250618 | Received updated Lease | 20250618 | 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 |
| 841506 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 6/4/2025 | Resolved | xxxxxx | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located at : xxxxxx | 20250702: Uploaded 20250618: Requested. | 20250702 | Received Appraisal Review for Subject Property | 20250702 | 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 |
| 841507 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 6/4/2025 | Resolved | xxxxxx | Credit | Lease document missing | Missing Lease document for unit 3 for the subject property xxxxxx | 20250618: Unit is vacant. No lease available. | 20250618 | Received LOE for vacant unit | 20250618 | 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 |
| 841508 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 6/11/2025 | Resolved | xxxxxx | Credit | 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 |
| 841509 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 6/11/2025 | Resolved | xxxxxx | Credit | 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 |
| 841510 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 8/6/2025 | Resolved | xxxxxx | Credit | 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 |
| 841511 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 6/4/2025 | Waived | xxxxxx | Credit | Excessive LTV Ratio | LTV of 75% > 70% maximum for Refi Cash-Out with a credit score > 700 | 20250618: Uploaded exception. No RE lates on credit report. Good Asset with strong RDSR | 20250618 | Waived with compensating factors | 20250618 | Fico +20, DSCR 1.6 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 |
| 841512 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 6/4/2025 | Resolved | xxxxxx | Property | Desk Review Variance > 10% | Appriasal Review Variance of -10.15% > 10% Maximum allowed | 20250707: Uploaded 2250618: See pg 9 of appraisal showing initial as is value of $xxxxxx | 20250707 | Received Appraisal Review to cure vairance for Subject Property | 20250707 | 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 |
| 841513 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 6/4/2025 | Resolved | xxxxxx | Credit | Asset Documentation Missing or Defective | Insufficient Liquidity \| Verified assets of $1,224.72 are less than minimum required of $19,093.38 . Borrower short - $(17,868.66) | 20250620: Uploaded | 20250620 | Received additional bank statements to required at closing | 20250620 | 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 |
| 841514 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 6/11/2025 | Resolved | xxxxxx | Credit | 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 |
| 841515 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 6/11/2025 | Resolved | xxxxxx | Credit | 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 |
| 841516 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 6/11/2025 | Resolved | xxxxxx | Credit | 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 |
| 841517 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 6/11/2025 | Resolved | xxxxxx | Credit | 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 |
| 841518 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 6/4/2025 | Resolved | xxxxxx | Credit | Asset Documentation Missing or Defective | Insufficient Liquidity \| Verified assets of $72,807.06 are less than minimum required of $123,202.78. Borrower short - $(50,395.72) | 20250620: Uploaded | 20250620 | Received additional bank statements to required at closing | 20250620 | 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 |
| 841519 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 6/4/2025 | Resolved | xxxxxx | Credit | Asset Documentation Missing or Defective | Provided Bank Statement is Expired.Please provide the recent Bank State ment | 20250618: Uploaded recent bank statements and HUD showing cash out amount. | 20250618 | Received updated bank statements | 20250618 | 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 |
| 841520 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 6/4/2025 | Resolved | xxxxxx | Credit | Closing Documentation Missing or Defective | Missing Loan File | 20250618: Uploaded | 20250618 | Received Loan package | 20250618 | 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 |
| 841520 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 6/4/2025 | Resolved | xxxxxx | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located at : xxxxxx | 20250625: Uploaded | 20250625 | Received Appraisal Review for Subject Property | 20250625 | 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 |
| 841521 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 6/18/2025 | Resolved | xxxxxx | Credit | 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 |
| 841522 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 6/18/2025 | Resolved | xxxxxx | Credit | Asset Documentation Missing or Defective | Provided Bank Statement is Expired.Please provide the recent Bank Statement | 20250625: Uploaded | 20250625 | Received updated bank statements | 20250625 | 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 |
| 841523 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 6/18/2025 | Resolved | xxxxxx | Credit | 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 |
| 841524 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 6/18/2025 | Resolved | xxxxxx | Credit | 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 |
| 841525 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 6/18/2025 | Resolved | xxxxxx | Credit | 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 |
| 841526 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 6/18/2025 | Resolved | xxxxxx | Credit | 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 |
| 841595 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 5/21/2025 | Resolved | xxxxxx | Credit | 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 |
| 841596 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 5/21/2025 | Resolved | xxxxxx | Credit | 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 |
| 841597 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 5/29/2025 | Resolved | xxxxxx | Credit | 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 |
| 841598 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 6/11/2025 | Resolved | xxxxxx | Credit | 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 |
| 845608 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 6/25/2025 | Resolved | xxxxxx | Credit | 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 |
| 845609 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 6/25/2025 | Resolved | xxxxxx | Credit | 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 |
| 845610 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 6/25/2025 | Resolved | xxxxxx | Credit | 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 |
| 845611 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/2/2025 | Resolved | xxxxxx | Credit | 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 |
| 845612 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/2/2025 | Resolved | xxxxxx | Credit | 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 |
| 845613 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/2/2025 | Resolved | xxxxxx | Credit | 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 |
| 845614 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/2/2025 | Resolved | xxxxxx | Credit | 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 |
| 845615 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/2/2025 | Resolved | xxxxxx | Credit | 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 |
| 845616 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/9/2025 | Resolved | xxxxxx | Credit | 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 |
| 845617 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/9/2025 | Resolved | xxxxxx | Credit | 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 |
| 845618 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/9/2025 | Resolved | xxxxxx | Credit | 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 |
| 845619 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/9/2025 | Resolved | xxxxxx | Credit | 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 |
| 845620 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/9/2025 | Resolved | xxxxxx | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located at : xxxxxx | 20250813: Uploaded | 20250813 | Received Appraisal Review for Subject Property | 20250813 | D B A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 845620 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/9/2025 | Waived | xxxxxx | Credit | Hazard Insurance Missing or Defective | Max Deductible exceeds that of 5% of the loan amoutn per guides | 20250716: Good borrower with the firm. Good FICO, excellent liquidity. Has used this insurance company for a while and has several properties on the policy and does not want to find a new company. | 20250716 | Waived with compensating factors | 20250716 | Fico +20, DSCR 1.5 B A | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 845621 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/9/2025 | Waived | xxxxxx | Credit | Significant Derogatory Credit Event – Requirement Not Met | Background contains significant derogatory credit events. xxxxxx' background reflects 2 pre-foreclosure within the past 3 years. | 20250716: Strong L1C performance on xxxxxx and xxxxxx loans. Strong mortgage repayment history on credit report. | 20250716 | Waived with compensating factors | 20250716 | Fico +20, DSCR 1.2 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 |
| 845622 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/9/2025 | Resolved | xxxxxx | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located at : xxxxxx | 20250813: Uploaded | 20250813 | Received Appraisal Review for Subject Property | 20250813 | 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 |
| 845623 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/9/2025 | Resolved | xxxxxx | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located at : xxxxxx | 20250716: Uploaded | 20250716 | Received Appraisal Review for Subject Property | 20250716 | 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 |
| 845624 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/9/2025 | Waived | xxxxxx | Credit | Hazard Insurance Missing or Defective | Max Deductible exceeds that of 5% of the loan amoutn per guides | 20250716: Waive with compensating factors | 20250716 | Waived with compensating factors | 20250716 | Fico +20, DSCR 1.4 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 |
| 845625 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/9/2025 | Resolved | xxxxxx | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located at : xxxxxx 12/17/2024 before updated 1004D as is value. Please provide updated Appraisal Review | 20250813: Uploaded 20250718: Uploaded | 20250813 | Received Appraisal Review for Subject Property | 20250813 | 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 |
| 845625 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/9/2025 | Resolved | xxxxxx | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located at : xxxxxx. appraisal review in file is dated 12/17/2024 before updated 1004D as is value. Please provide updated Appraisal Review | 20250813: Uploaded | 20250813 | Received Appraisal Review for Subject Property | 20250813 | 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 |
| 845625 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/9/2025 | Resolved | xxxxxx | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located at : xxxxxx. appraisal review in file is dated 12/17/2024 before updated 1004D as is value. Please provide updated Appraisal Review | Uploaded | 20250710 | Received Appraisal Review for Subject Property | 20250710 | 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 |
| 845626 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/9/2025 | Resolved | xxxxxx | Credit | Closing Documentation Missing or Defective | Missing Executed Closing file | 20250717: Uploaded | 20250717 | Received Clsoing Files | 20250717 | 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 |
| 845627 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/9/2025 | Resolved | xxxxxx | Credit | 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 |
| 845628 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/16/2025 | Resolved | xxxxxx | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located at : xxxxxx | 20250813: Uploaded | 20250813 | Received Appraisal Review for Subject Property | 20250813 | 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 |
| 845629 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/16/2025 | Resolved | xxxxxx | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located at : xxxxxx | 20250730: Uploaded | 20250730 | Received Appraisal Review for Subject Property | 20250730 | D B C A | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 845629 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/16/2025 | Waived | xxxxxx | Credit | Hazard Insurance Missing or Defective | Hurricane deducitble is over the 5% Max of loan amount. | 20250730: Return borrower - borrower maintains a strong asset postion that allows them to meet any potential obilgations needed - all other deductibles on policy for this property are under 5% of loan amount. | 20250730 | Waived with compensating factors | 20250730 | Fico +20, DSCR 1.4 B A | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 845630 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/16/2025 | Resolved | xxxxxx | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located at : xxxxxx | 20250730: Uploaded | 20250730 | Received Appraisal Review for Subject Property | 20250730 | D B A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 845630 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/16/2025 | Waived | xxxxxx | Credit | Significant Derogatory Credit Event – Requirement Not Met | Borrower has significant litigation. Sponsor is being sued and countersuing for a security deposit that was not returned to the tenant when the property was vacated. | 20250731: Good FICO, repeat borrower, good payment history with the firm | 20250731 | Waived with compensating factors | 20250731 | Fico +20, DSCR 1.24, 137 Months reserves B A | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 845631 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/16/2025 | Resolved | xxxxxx | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located at : xxxxxx | 20250730: Uploaded | 20250730 | Received Appraisal Review for Subject Property | 20250730 | 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 |
| 845631 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/16/2025 | Resolved | xxxxxx | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located at : xxxxxx | 20250730: Uploaded | 20250730 | Received Appraisal Review for Subject Property | 20250730 | 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 |
| 845631 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/16/2025 | Resolved | xxxxxx | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located at : xxxxxx | 20250730: Uploaded | 20250730 | Received Appraisal Review for Subject Property | 20250730 | 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 |
| 845631 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/16/2025 | Resolved | xxxxxx | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located at : xxxxxx | 20250730: Uploaded | 20250730 | Received Appraisal Review for Subject Property | 20250730 | 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 |
| 845631 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/16/2025 | Resolved | xxxxxx | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located at : xxxxxx | 20250730: Uploaded | 20250730 | Received Appraisal Review for Subject Property | 20250730 | 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 |
| 845632 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/16/2025 | Resolved | xxxxxx | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located at : xxxxxx | 20250730: Uploaded | 20250730 | Received Appraisal Review for Subject Property | 20250730 | 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 |
| 845633 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/16/2025 | Resolved | xxxxxx | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located at : xxxxxx | 20250730: Uploaded | 20250730 | Received Appraisal Review for Subject Property | 20250730 | 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 |
| 845634 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/16/2025 | Resolved | xxxxxx | Credit | Asset Documentation Missing or Defective | Provided Bank Statement is Expired.Please provide the recent Bank Statement | 20250730: Uploaded | 20250730 | Received updated bank statements | 20250730 | 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 |
| 845634 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/16/2025 | Resolved | xxxxxx | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located at : xxxxxx | 20250730: Uploaded | 20250730 | Received Appraisal Review for Subject Property | 20250730 | 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 |
| 845635 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/16/2025 | Resolved | xxxxxx | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located at : xxxxxx | 20250730: Uploaded | 20250730 | Received Appraisal Review for Subject Property | 20250730 | 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 |
| 845636 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/16/2025 | Resolved | xxxxxx | Credit | Asset Documentation Missing or Defective | Insufficient Liquidity \| Verified assets of $29,908.60 are less than minimum required of $35,669.14 . Borrower short - $(5,760.54) | 20250813: uploaded | 20250813 | Received additional bank statements to required at closing | 20250813 | D B C A | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 845636 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/16/2025 | Resolved | xxxxxx | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located at : xxxxxx | 20250730: Uploaded | 20250730 | Received Appraisal Review for Subject Property | 20250730 | D B A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 845636 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/16/2025 | Waived | xxxxxx | Credit | Hazard Insurance Missing or Defective | Hurricane deducitble is over the 5% Max of loan amount. | 20250730: Higher deductibles are common in the market due to rising insurance cost - cost savings from a high deductible make it more feasible for the borrower to maintain continous coverage. | 20250730 | Waived with compensating factors | 20250730 | Fico +20, DSCR 1.2 B A | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 845637 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/16/2025 | Resolved | xxxxxx | Credit | Hazard Insurance Missing or Defective | Missing Hazard Insurance Document for the property Located at : xxxxxx | 20250730: Uploaded | 20250730 | Received HOI document | 20250730 | 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 |
| 845637 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/16/2025 | Resolved | xxxxxx | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located at : xxxxxx | 20250730: Uploaded | 20250730 | Received Appraisal Review for Subject Property | 20250730 | 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 |
| 845638 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/16/2025 | Resolved | xxxxxx | Credit | 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 |
| 845639 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/16/2025 | Resolved | xxxxxx | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located at : xxxxxx | 20250730: Uploaded | 20250730 | Received Appraisal Review for Subject Property | 20250730 | 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 |
| 845639 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/16/2025 | Waived | xxxxxx | Property | Ineligible Property | Property considered to be Rual Property | 2025730: Waive | 20250730 | Waived with compensating factors | 20250730 | Fico +20, 55% LTV D B C 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 |
| 845640 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/16/2025 | Resolved | xxxxxx | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located at : xxxxxx | 20250730: Uploaded | 20250730 | Received Appraisal Review for Subject Property | 20250730 | D A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A | N/A | N/A | N/A | N/A | N/A |
| 845640 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/16/2025 | Resolved | xxxxxx | Credit | Entity Documentation - Missing or Defective | Missing Operating agreement for XXXXXX to prove access to funds in bank account used for liquidity | 20250813: Uploaded | 20250813 | Received Operating Agreement to prove access to Funds | 20250813 | D A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A | N/A | N/A | N/A | N/A | N/A |
| 845641 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/22/2025 | Resolved | xxxxxx | Credit | Insufficient Assets to Close | Missing Verification of 2 months Bank Statements | 20250730: Uploaded | 20250730 | Received Bank statements | 20250730 | D A C | 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 |
| 845641 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/22/2025 | Resolved | xxxxxx | Credit | Hazard Insurance Missing or Defective | Hazard insurance is missing with Policy Premium for property located at: xxxxxx | 20250730: Uploaded | 20250730 | Received Policy Preimum for subject Property | 20250730 | 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 |
| 845642 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/22/2025 | Resolved | xxxxxx | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located at : xxxxxx | Uploaded | 20250724 | Received Appraisal Review for Subject Property | 20250724 | 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 |
| 845642 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/22/2025 | Resolved | xxxxxx | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located at : xxxxxx | Uploaded | 20250724 | Received Appraisal Review for Subject Property | 20250724 | 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 |
| 845643 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/22/2025 | Resolved | xxxxxx | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located at : xxxxxx | 20250730: Uploaded | 20250730 | Received Appraisal Review for Subject Property | 20250730 | 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 |
| 845644 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/22/2025 | Resolved | xxxxxx | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located at : xxxxxx | 20250813: Uploaded | 20250813 | Received Appraisal Review for Subject Property | 20250813 | 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 |
| 845645 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/22/2025 | Resolved | xxxxxx | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located at : xxxxxx | 20250730: Uploaded | 20250730 | Received Appraisal Review for Subject Property | 20250730 | D A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A | N/A | N/A | N/A | N/A | N/A |
| 845645 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/22/2025 | Resolved | xxxxxx | Credit | Insufficient Assets to Close | Missing Assest Documents - Insufficient Liquidity \| Expired assets of $$44,668.21 are less than minimum required of $69267.98 | 20250730: Uploaded | 20250730 | Received updated bank statements | 20250730 | D A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A | N/A | N/A | N/A | N/A | N/A |
| 845646 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/22/2025 | Resolved | xxxxxx | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located at : xxxxxx | 20250730: Uploaded | 20250730 | Received Appraisal Review for Subject Property | 20250730 | D A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A | N/A | N/A | N/A | N/A | N/A |
| 845646 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/22/2025 | Resolved | xxxxxx | Credit | Insufficient Assets to Close | Missing Assest Documents - Insufficient Liquidity \| Expired assets of $30,828.52 are less than minimum required of $63,653.00 | 20250730: Uploaded | 20250730 | Received updated bank statements | 20250730 | D A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A | N/A | N/A | N/A | N/A | N/A |
| 845647 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/22/2025 | Resolved | xxxxxx | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located at : xxxxxx | 20250813: Uploaded | 20250813 | Received Appraisal Review for Subject Property | 20250813 | 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 |
| 845648 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/22/2025 | Resolved | xxxxxx | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located at : xxxxxx | 20250730: Uploaded | 20250730 | Received Appraisal Review for Subject Property | 20250730 | 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 |
| 845649 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/22/2025 | Resolved | xxxxxx | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located at : xxxxxx | 20250730: Uploaded | 20250730 | Received Appraisal Review for Subject Property | 20250730 | 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 |
| 845650 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/22/2025 | Resolved | xxxxxx | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located at : xxxxxx | 20250730: Uploaded | 20250730 | Received Appraisal Review for Subject Property | 20250730 | 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 |
| 845651 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/22/2025 | Resolved | xxxxxx | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located at : xxxxxx | 20250730: Uploaded | 20250730 | Received Appraisal Review for Subject Property | 20250730 | 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 |
| 845652 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/22/2025 | Resolved | xxxxxx | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located at : xxxxxx | 20250730: Uploaded | 20250730 | Received Appraisal Review for Subject Property | 20250730 | 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 |
| 845653 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/22/2025 | Resolved | xxxxxx | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located at : xxxxxx | 20250730: Uploaded | 20250730 | Received Appraisal Review for Subject Property | 20250730 | 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 |
| 845653 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/22/2025 | Waived | xxxxxx | Property | Ineligible Property | Property considered to be Rual Property | 20250730: Repeat sponsor with relevant market experience. 771 FICO and liquidity to support. Appraisal report shows reputable comps within close proximity supporting Value and Market Rent estimates. | 20250730 | Waived with compensating factors | 20250730 | Fico +20, LTV 69% D B C 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 |
| 845654 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/22/2025 | Resolved | xxxxxx | Credit | Closing Documentation Missing or Defective | Missing Executed Closing file | Uploaded | 20250725 | Received Executed Closing Files | 20250725 | 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 |
| 845654 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/22/2025 | Resolved | xxxxxx | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located at xxxxxx | 20250813: uploaded | 20250813 | Received Appraisal Review for Subject Property | 20250813 | 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 |
| 845655 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/22/2025 | Resolved | xxxxxx | Credit | Asset Documentation Missing or Defective | Missing Verification of 2 months Bank Statements | 20250813: Uploaded | 20250813 | Received Bank statements | 20250813 | 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 |
| 845656 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/29/2025 | Resolved | xxxxxx | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located at xxxxxx | 20250813: uploaded | 20250813 | Received Appraisal Review for Subject Property | 20250813 | 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 |
| 845657 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/29/2025 | Resolved | xxxxxx | Credit | Insufficient Assets to Close | Missing Assest Documents - Insufficient Liquidity \| Expired assets of $148,084.68 are less than minimum required of $63,998.17 | 20250813: Uploaded | 20250813 | Received updated bank statements | 20250813 | D A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A | N/A | N/A | N/A | N/A | N/A |
| 845657 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/29/2025 | Resolved | xxxxxx | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located at xxxxxx | 20250813: uploaded | 20250813 | Received Appraisal Review for Subject Property | 20250813 | D A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A | N/A | N/A | N/A | N/A | N/A |
| 845658 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/29/2025 | Resolved | xxxxxx | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located at xxxxxx | 20250813: Uploaded | 20250813 | Received Appraisal Review for Subject Property | 20250813 | 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 |
| 845658 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/29/2025 | Resolved | xxxxxx | Credit | Entity Documentation - Missing or Defective | Missing Operating agreement for XXXXXX | 20250813: Uploaded | 20250813 | Received Operating Agreement for xxxxxx LLC | 20250813 | D B C 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 |
| 845658 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/29/2025 | Resolved | xxxxxx | Credit | Missing Articles of Organization/Incorporation | Missing Articles of Organization/Incorporation for borrowing entity | 20250813: Uploaded | 20250813 | Received Articles of Organization | 20250813 | 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 |
| 845658 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/29/2025 | Resolved | xxxxxx | Credit | Missing Cert of Good Standing | Missing Certificate of Good Standing for borrowing entity | 20250813: Uploaded | 20250813 | Received Cert of Good Standing | 20250813 | 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 |
| 845658 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/29/2025 | Waived | xxxxxx | Credit | Credit Event – Requirement Not Met | The subject property does not have a full 12-months Operating History generated by a 3rd partyshowing an occupancy rate above 50%ending within 90 days of origination | 2025730: Waive | 20250730 | Waived with compensating factors | 20250730 | Fico +20, DSCR 1.3 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 |
| 845659 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/29/2025 | Resolved | xxxxxx | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located at xxxxxx | 20250813: Uploaded | 20250813 | Received Appraisal Review for Subject Property | 20250813 | 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 |
| 845659 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/29/2025 | Resolved | xxxxxx | Credit | Asset Documentation Missing or Defective | Missing Assets Documnets | 20250813: Uploaded | 20250813 | Received Bank statements | 20250813 | 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 |
| 845660 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/29/2025 | Resolved | xxxxxx | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located at xxxxxx | 20250813: uploaded | 20250813 | Received Appraisal Review for Subject Property | 20250813 | 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 |
| 845660 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/29/2025 | Resolved | xxxxxx | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located at xxxxxx | 20250813: uploaded | 20250813 | Received Appraisal Review for Subject Property | 20250813 | 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 |
| 845660 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/29/2025 | Resolved | xxxxxx | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located at xxxxxx | 20250813: uploaded | 20250813 | Received Appraisal Review for Subject Property | 20250813 | 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 |
| 845660 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/29/2025 | Resolved | xxxxxx | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located at xxxxxx | 20250813: uploaded | 20250813 | Received Appraisal Review for Subject Property | 20250813 | 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 |
| 845661 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/29/2025 | Resolved | xxxxxx | Credit | Asset Documentation Missing or Defective | Missing Assets Document | 20250813: Uploaded | 20250813 | Received Bank statements | 20250813 | 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 |
| 845661 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/29/2025 | Resolved | xxxxxx | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located at xxxxxx | 20250813: Uploaded | 20250813 | Received Appraisal Review for Subject Property | 20250813 | 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 |
| 845661 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/29/2025 | Resolved | xxxxxx | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located at xxxxxx | 20250813: Uploaded | 20250813 | Received Appraisal Review for Subject Property | 20250813 | 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 |
| 845661 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/29/2025 | Resolved | xxxxxx | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located at xxxxxx | 20250813: Uploaded | 20250813 | Received Appraisal Review for Subject Property | 20250813 | 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 |
| 845661 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/29/2025 | Resolved | xxxxxx | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located at xxxxxx | 20250813: Uploaded | 20250813 | Received Appraisal Review for Subject Property | 20250813 | 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 |
| 845661 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/29/2025 | Resolved | xxxxxx | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located at xxxxxx | 20250813: Uploaded | 20250813 | Received Appraisal Review for Subject Property | 20250813 | 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 |
| 845661 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/29/2025 | Resolved | xxxxxx | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located at xxxxxx | 20250813: Uploaded | 20250813 | Received Appraisal Review for Subject Property | 20250813 | 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 |
| 845661 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/29/2025 | Resolved | xxxxxx | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located at xxxxxx | 20250813: Uploaded | 20250813 | Received Appraisal Review for Subject Property | 20250813 | 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 |
| 845661 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/29/2025 | Resolved | xxxxxx | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located at xxxxxx | 20250813: Uploaded | 20250813 | Received Appraisal Review for Subject Property | 20250813 | 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 |
| 845661 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/29/2025 | Resolved | xxxxxx | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located at xxxxxx | 20250813: Uploaded | 20250813 | Received Appraisal Review for Subject Property | 20250813 | 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 |
| 845661 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/29/2025 | Resolved | xxxxxx | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located at xxxxxx | 20250813: Uploaded | 20250813 | Received Appraisal Review for Subject Property | 20250813 | 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 |
| 845661 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/29/2025 | Resolved | xxxxxx | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located at xxxxxx | 20250813: Uploaded | 20250813 | Received Appraisal Review for Subject Property | 20250813 | 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 |
| 845661 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/29/2025 | Resolved | xxxxxx | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located at xxxxxx | 20250813: Uploaded | 20250813 | Received Appraisal Review for Subject Property | 20250813 | 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 |
| 845661 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/29/2025 | Resolved | xxxxxx | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located at xxxxxx | 20250813: Uploaded | 20250813 | Received Appraisal Review for Subject Property | 20250813 | 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 |
| 845661 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/29/2025 | Resolved | xxxxxx | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located at xxxxxx | 20250813: Uploaded | 20250813 | Received Appraisal Review for Subject Property | 20250813 | 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 |
| 845661 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/29/2025 | Resolved | xxxxxx | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located at xxxxxx | 20250813: Uploaded | 20250813 | Received Appraisal Review for Subject Property | 20250813 | 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 |
| 845661 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/29/2025 | Resolved | xxxxxx | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located at xxxxxx | 20250813: Uploaded | 20250813 | Received Appraisal Review for Subject Property | 20250813 | 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 |
| 845661 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/29/2025 | Resolved | xxxxxx | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located at xxxxxx | 20250813: Uploaded | 20250813 | Received Appraisal Review for Subject Property | 20250813 | 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 |
| 845661 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/29/2025 | Resolved | xxxxxx | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located at xxxxxx | 20250813: Uploaded | 20250813 | Received Appraisal Review for Subject Property | 20250813 | 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 |
| 845662 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/29/2025 | Resolved | xxxxxx | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located at xxxxxx | 20250813: Uploaded | 20250813 | Received Appraisal Review for Subject Property | 20250813 | D B A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 845662 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/29/2025 | Waived | xxxxxx | Credit | Credit Event – Requirement Not Met | Sponsor's FICO of 669 < 680 Minimum required for 65% LTV cash out. | 20250813: Waive | 20250813 | Waived with compensating factors | 20250813 | 61 Months Reserves, DSCR 1.2 B A | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 845663 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/30/2025 | Resolved | xxxxxx | Credit | 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 |
| 845664 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/29/2025 | Resolved | xxxxxx | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located at xxxxxx | 20250814: Uploaded | 20250814 | Received Appraisal Review for Subject Property | 20250814 | 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 |
| 845665 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/30/2025 | Resolved | xxxxxx | Credit | 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 |
| 845666 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/30/2025 | Resolved | xxxxxx | Credit | 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 |
| 845667 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/30/2025 | Resolved | xxxxxx | Credit | 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 |
| 845668 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/30/2025 | Resolved | xxxxxx | Credit | 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 |
| 845669 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/30/2025 | Resolved | xxxxxx | Credit | 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 |
| 845670 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/30/2025 | Resolved | xxxxxx | Credit | 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 |
| 845671 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/30/2025 | Resolved | xxxxxx | Credit | 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 |
| 845672 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/29/2025 | Resolved | xxxxxx | Credit | Asset Documentation Missing or Defective | Missing Assets Document | 20250818: Uploaded | 20250818 | Received Bank statements | 20250818 | 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 |
| 845673 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/29/2025 | Resolved | xxxxxx | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located at xxxxxx | 20250813: Uploaded | 20250813 | Received Appraisal Review for Subject Property | 20250813 | 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 |
| 845674 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/30/2025 | Resolved | xxxxxx | Credit | 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 |
| 845675 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/30/2025 | Resolved | xxxxxx | Credit | 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 |
| 845676 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/29/2025 | Resolved | xxxxxx | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located at xxxxxx | 20250813: Uploaded | 20250813 | Received Appraisal Review for Subject Property | 20250813 | 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 |
| 845677 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/29/2025 | Resolved | xxxxxx | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located at xxxxxx | 20250813: Uploaded | 20250813 | Received Appraisal Review for Subject Property | 20250813 | D B A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 845677 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/29/2025 | Waived | xxxxxx | Credit | Significant Derogatory Credit Event – Requirement Not Met | Borrower has 2 x30 day lates within the past 12 months, which is outside of guidelines. | 20250813: LOE from the borrower explaining an error in the lender's reporting caused the late payments. Strong credit other than these recent >30 DPD payments. | 20250813 | Waived with compensating factors | 20250813 | Fico +20, 55% LTV D B C A | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A B | N/A B | N/A B | N/A B | N/A B | N/A |
| 845678 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 7/30/2025 | Resolved | xxxxxx | Credit | 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 |
| 845679 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 8/6/2025 | Resolved | xxxxxx | Credit | 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 |
| 845680 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 8/6/2025 | Resolved | xxxxxx | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located at xxxxxx | 20250814: Uploaded | 20250814 | Received Appraisal Review for Subject Property | 20250814 | 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 |
| 845681 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 8/6/2025 | Resolved | xxxxxx | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located at xxxxxx | 20250814: Uploaded | 20250814 | Received Appraisal Review for Subject Property | 20250814 | 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 |
| 845682 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 8/6/2025 | Resolved | xxxxxx | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located at xxxxxx | 20250814: Uploaded | 20250814 | Received Appraisal Review for Subject Property | 20250814 | 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 |
| 845683 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 8/6/2025 | Resolved | xxxxxx | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located at xxxxxx | 20250814: Uploaded | 20250814 | Received Appraisal Review for Subject Property | 20250814 | 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 |
| 845684 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 8/6/2025 | Resolved | xxxxxx | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located at xxxxxx | 20250814: Uploaded | 20250814 | Received Appraisal Review for Subject Property | 20250814 | D A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A | N/A | N/A | N/A | N/A | N/A |
| 845684 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 8/6/2025 | Resolved | xxxxxx | Credit | Title Insurance Coverage - Inadequate Coverage | xxxxxx title insurance coverage < $xxxxxx minimum coverage required | 20250814: Uploaded | 20250814 | Received updated Title Insurance | 20250814 | D A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A | N/A | N/A | N/A | N/A | N/A |
| 845685 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 8/6/2025 | Resolved | xxxxxx | Credit | 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 |
| 845686 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 8/6/2025 | Resolved | xxxxxx | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located at xxxxxx | 20250814: Uploaded | 20250814 | Received Appraisal Review for Subject Property | 20250814 | 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 |
| 845687 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 8/6/2025 | Resolved | xxxxxx | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located at xxxxxx | 20250814: Uploaded | 20250814 | Received Appraisal Review for Subject Property | 20250814 | 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 |
| 845688 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 8/6/2025 | Resolved | xxxxxx | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located at xxxxxx | 20250814: Uploaded | 20250814 | Received Appraisal Review for Subject Property | 20250814 | 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 |
| 845689 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 8/6/2025 | Resolved | xxxxxx | Credit | 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 |
| 845690 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 8/6/2025 | Resolved | xxxxxx | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located at xxxxxx | 20250814: Uploaded | 20250814 | Received Appraisal Review for Subject Property | 20250814 | 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 |
| 845691 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 8/6/2025 | Resolved | xxxxxx | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located at xxxxxx | 20250814: Uploaded | 20250814 | Received Appraisal Review for Subject Property | 20250814 | 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 |
| 845692 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 8/6/2025 | Resolved | xxxxxx | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located at xxxxxx | 20250814: Uploaded | 20250814 | Received Appraisal Review for Subject Property | 20250814 | 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 |
| 845693 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 8/6/2025 | Resolved | xxxxxx | Credit | Insufficient Assets to Close | Missing Assest Documents - Insufficient Liquidity \| Expired assets of $36,423.11 are less than minimum required of $79,486.01 | 20250814: Uploaded | 20250814 | Received updated bank statements | 20250814 | D A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A | N/A | N/A | N/A | N/A | N/A |
| 845693 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 8/6/2025 | Resolved | xxxxxx | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located at xxxxxx | 20250813: Uploaded | 20250813 | Received Appraisal Review for Subject Property | 20250813 | D A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A | N/A | N/A | N/A | N/A | N/A |
| 845693 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 8/6/2025 | Resolved | xxxxxx | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located at xxxxxx | 20250813: Uploaded | 20250813 | Received Appraisal Review for Subject Property | 20250813 | D A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A | N/A | N/A | N/A | N/A | N/A |
| 845693 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 8/6/2025 | Resolved | xxxxxx | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located at xxxxxx | 20250813: Uploaded | 20250813 | Received Appraisal Review for Subject Property | 20250813 | D A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A | N/A | N/A | N/A | N/A | N/A |
| 845693 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 8/6/2025 | Resolved | xxxxxx | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located at xxxxxx | 20250813: Uploaded | 20250813 | Received Appraisal Review for Subject Property | 20250813 | D A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A | N/A | N/A | N/A | N/A | N/A |
| 845693 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 8/6/2025 | Resolved | xxxxxx | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located at xxxxxx | 20250813: Uploaded | 20250813 | Received Appraisal Review for Subject Property | 20250813 | D A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A | N/A | N/A | N/A | N/A | N/A |
| 845693 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 8/6/2025 | Resolved | xxxxxx | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located at xxxxxx | 20250813: Uploaded | 20250813 | Received Appraisal Review for Subject Property | 20250813 | D A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A | N/A | N/A | N/A | N/A | N/A |
| 845693 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 8/6/2025 | Resolved | xxxxxx | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located at xxxxxx | 20250813: Uploaded | 20250813 | Received Appraisal Review for Subject Property | 20250813 | D A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A | N/A | N/A | N/A | N/A | N/A |
| 845694 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 8/6/2025 | Resolved | xxxxxx | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located at xxxxxx | 20250813: Uploaded | 20250813 | Received Appraisal Review for Subject Property | 20250813 | 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 |
| 845695 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 8/6/2025 | Resolved | xxxxxx | Credit | Asset Documentation Missing or Defective | Insufficient Liquidity \| Verified assets of $43,187.79 are less than minimum required of $72,877.92 . Borrower short - $(29,690.13) | 20250814: Uploaded | 20250814 | Received additional bank statements to required at closing | 20250814 | D A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A | N/A | N/A | N/A | N/A | N/A |
| 845695 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 8/6/2025 | Resolved | xxxxxx | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located at xxxxxx | 20250813: Uploaded | 20250813 | Received Appraisal Review for Subject Property | 20250813 | D A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A | N/A | N/A | N/A | N/A | N/A |
| 845695 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 8/6/2025 | Resolved | xxxxxx | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located at xxxxxx | 20250813: Uploaded | 20250813 | Received Appraisal Review for Subject Property | 20250813 | D A C | N/A | N/A D C | N/A D C | N/A D C | N/A D C | N/A D C | N/A | N/A | N/A | N/A | N/A | N/A |
| 845696 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 8/6/2025 | Resolved | xxxxxx | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located at xxxxxx | 20250813: Uploaded | 20250813 | Received Appraisal Review for Subject Property | 20250813 | 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 |
| 845697 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 8/6/2025 | Resolved | xxxxxx | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located at xxxxxx | 20250813: Uploaded | 20250813 | Received Appraisal Review for Subject Property | 20250813 | 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 |
| 845698 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 8/6/2025 | Resolved | xxxxxx | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located at xxxxxx | 20250814: Uploaded | 20250814 | Received Appraisal Review for Subject Property | 20250814 | 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 |
| 845699 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 8/6/2025 | Resolved | xxxxxx | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located at xxxxxx | 20250813: Uploaded | 20250813 | Received Appraisal Review for Subject Property | 20250813 | 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 |
| 845700 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 8/6/2025 | Resolved | xxxxxx | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located at xxxxxx | 20250813: Uploaded | 20250813 | Received Appraisal Review for Subject Property | 20250813 | 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 |
| 845701 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 8/6/2025 | Resolved | xxxxxx | Credit | Asset Documentation Missing or Defective | Missing Assets Document | 20250814: Uploaded | 20250814 | Received Bank statements | 20250814 | 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 |
| 845701 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 8/6/2025 | Resolved | xxxxxx | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located at xxxxxx | 20250814: Uploaded | 20250814 | Received Appraisal Review for Subject Property | 20250814 | 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 |
| 845702 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 8/6/2025 | Resolved | xxxxxx | Property | Appraisal Review - Missing | Missing Appraisal Review Report for the property Located at xxxxxx | 20250813: Uploaded | 20250813 | Received Appraisal Review for Subject Property | 20250813 | 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 |
| 845703 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 8/6/2025 | Resolved | xxxxxx | Credit | 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 |
| 845704 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | ATR/QM Exempt | Complete | 8/6/2025 | Resolved | xxxxxx | Credit | 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 |

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## Exhibit 99.36

**EXHIBIT 99.36**

**Consolidated Analytics Data Compare Report**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller ID** | **Deal ID** | **MFA ID** | **Loan ID Tape** | **Loan ID** | **Variance** | **Comments** | **Origination Date Tape** | **Origination Date** | **Variance** | **Loan Amount Tape** | **Loan Amount** | **Variance** | **Interest Rate Tape** | **Interest Rate** | **Variance** | **Variance Threshold** | **Loan Type Tape** | **Loan Type** | **Variance** | **Cash to Borrower Tape** | **Cash to Borrower** | **Variance** | **Short Term Rental Tape** | **Short Term Rental** | **Variance** | **1st Pay Date Tape** | **1st Pay Date** | **Variance** | **Maturity Date Tape** | **Maturity Date** | **Variance** | **Original Term Tape** | **Original Term** | **Variance** | **Credit Score Tape** | **Credit Score** | **Variance** | **DSCR Tape** | **DSCR** | **Variance** | **Variance Threshold** | **Qualifying Rent Tape** | **Qualifying Rent** | **Variance** | **Original Payment Tape** | **Original Payment** | **Variance** | **Monthly Taxes Tape** | **Monthly Taxes** | **Variance** | **Monthly Insurance Tape** | **Monthly Insurance** | **Variance** | **Loan Purpose Tape** | **Loan Purpose** | **Variance** | **Appraisal Date Tape** | **Appraisal Date** | **Variance** | **As-is Property Value Tape** | **As-is Property Value** | **Variance** | **Appraisal Review Product Tape** | **Appraisal Review Product** | **Variance** | **Coments** | **Foreign National Flag Tape** | **Foreign National Flag** | **Variance** | **Full Recourse Tape** | **Full Recourse** | **Variance** | **Prepayment Penalty Tape** | **Prepayment Penalty** | **Variance** | **Prepayment Type Tape** | **Prepayment Type** | **Variance** | **Length of Prepayment Penalty (months) Tape** | **Length of Prepayment Penalty (months)** | **Variance** | **Current Amount of Prepayment Penalty Tape** | **Current Amount of Prepayment Penalty** | **Variance** | **Default Interest Tape** | **Default Interest** | **Variance** | **Comments** | **Variance** | **Interest Only** | **Variances** | **IO Term** | **Variances** |
| 841433 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.072000 | 0.072000 | No | TRUE | 10/1 R30 | 10/1 R30 | No | $- | $- | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 792 | 792 | No | 1.00 | 1.00 | No | TRUE | $2195.00 | $2195.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 175.56 | 175.56 | No | 09-Refinance No Cash Out | 09-Refinance No Cash Out | No | 11/26/2024 | 11/26/2024 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $10994.25 | $10994.25 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 841434 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.074500 | 0.074500 | No | TRUE | Fixed R30 | Fixed R30 | No | $88223.54 | $88223.54 | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 787 | 787 | No | 1.31 | 1.31 | No | TRUE | $1350.00 | $1350.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 111 | 111 | No | 03-Refinance Cash Out | 03-Refinance Cash Out | No | 1/16/2025 | 1/16/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $5005.00 | $5005.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 841435 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.078500 | 0.078500 | No | TRUE | Fixed R30 | Fixed R30 | No | $75012.46 | $75012.46 | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 787 | 787 | No | 1.23 | 1.23 | No | TRUE | $1050.00 | $1050.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 108.08 | 108.08 | No | 03-Refinance Cash Out | 03-Refinance Cash Out | No | 1/16/2025 | 1/16/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $4237.50 | $4237.50 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 841436 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.074500 | 0.074500 | No | TRUE | Fixed R30 | Fixed R30 | No | $- | $- | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 811 | 811 | No | 1.66 | 1.66 | No | TRUE | $1777.50 | $1777.50 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 106.69 | 106.69 | No | 07-Purchase | 07-Purchase | No | 2/12/2025 | 2/12/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $5700.00 | $5700.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 841437 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.081000 | 0.081000 | No | TRUE | 10/1 R30 | 10/1 R30 | No | $108236.82 | $108236.82 | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 731 | 731 | No | 1.21 | 1.21 | No | TRUE | $1575.00 | $1575.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 90.96 | 90.96 | No | 03-Refinance Cash Out | 03-Refinance Cash Out | No | 2/12/2025 | 2/12/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | No | No | No | No Prepayment | 0-No Prepay Penalty | No | 0 | 0 | No | $- | $- | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 841438 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.073000 | 0.073000 | No | TRUE | Fixed R30 | Fixed R30 | No | $- | $- | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 811 | 811 | No | 1.57 | 1.57 | No | TRUE | $1890.00 | $1890.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 128.06 | 128.06 | No | 07-Purchase | 07-Purchase | No | 2/25/2025 | 2/25/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $6187.50 | $6187.50 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 841439 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.073500 | 0.073500 | No | TRUE | Fixed R30 | Fixed R30 | No | $24918.42 | $24918.42 | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 748 | 748 | No | 1.13 | 1.13 | No | TRUE | $2295.00 | $2295.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 115.08 | 115.08 | No | 03-Refinance Cash Out | 03-Refinance Cash Out | No | 2/18/2025 | 2/18/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $12187.50 | $12187.50 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 841440 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.075500 | 0.075500 | No | TRUE | 10/1 R30 | 10/1 R30 | No | $- | $- | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 789 | 789 | No | 1.56 | 1.56 | No | TRUE | $4725.00 | $4725.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 241.17 | 241.16 | No | 07-Purchase | 07-Purchase | No | 3/14/2025 | 3/14/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $15600.00 | $15600.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 841441 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.067000 | 0.067000 | No | TRUE | Fixed R30 | Fixed R30 | No | $- | $- | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 787 | 787 | No | 1.19 | 1.19 | No | TRUE | $900.00 | $900.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 142.92 | 142.92 | No | 07-Purchase | 07-Purchase | No | 3/14/2025 | 3/14/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $3750.00 | $3750.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 841442 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.075330 | 0.075330 | No | TRUE | Fixed R30 | Fixed R30 | No | $116432.94 | $116432.94 | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 768 | 768 | No | 1.40 | 1.40 | No | TRUE | $1665.00 | $1665.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 109.63 | 109.63 | No | 07-Purchase | 07-Purchase | No | 3/18/2025 | 3/18/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $6400.00 | $6400.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 841443 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.076500 | 0.076500 | No | TRUE | Fixed R30 | Fixed R30 | No | $80303.50 | $80303.50 | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 662 | 662 | No | 1.21 | 1.21 | No | TRUE | $1275.00 | $1275.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 233.83 | 233.83 | No | 03-Refinance Cash Out | 03-Refinance Cash Out | No | 1/22/2025 | 1/22/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $4867.50 | $4867.50 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 841444 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.090500 | 0.090500 | No | TRUE | 10/1 R30 | 10/1 R30 | No | $149471.98 | $149471.98 | No | Y | Y | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 712 | 712 | No | 1.76 | 1.76 | No | TRUE | $7191.00 | $7191.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 87.24 | 87.24 | No | 03-Refinance Cash Out | 03-Refinance Cash Out | No | 2/25/2025 | 2/25/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 111 | 38 1%, 1%, 1% | No | 36 | 36 | No | $4375.00 | $4375.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 841446 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.079000 | 0.079000 | No | TRUE | Fixed R30 | Fixed R30 | No | $7758.98 | $7758.98 | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 720 | 720 | No | 1.65 | 1.65 | No | TRUE | $3105.00 | $3105.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 150.45 | 150.45 | No | 03-Refinance Cash Out | 03-Refinance Cash Out | No | 4/4/2025 | 4/4/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $8750.00 | $8750.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 841447 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.081000 | 0.081000 | No | TRUE | Fixed R30 | Fixed R30 | No | $145549.30 | $145549.30 | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 727 | 727 | No | 1.36 | 1.36 | No | TRUE | $1975.00 | $1975.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 72.67 | 72.67 | No | 03-Refinance Cash Out | 03-Refinance Cash Out | No | 3/27/2025 | 3/27/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $8025.00 | $8025.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 841448 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.082500 | 0.082500 | No | TRUE | Fixed R30 | Fixed R30 | No | $68698.30 | $68698.30 | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 727 | 727 | No | 1.96 | 1.96 | No | TRUE | $1500.00 | $1500.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 71.08 | 71.08 | No | 03-Refinance Cash Out | 03-Refinance Cash Out | No | 3/18/2025 | 3/18/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $3937.50 | $3937.50 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 841449 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.073000 | 0.073000 | No | TRUE | 10/1 R30 | 10/1 R30 | No | $51663.81 | $51663.81 | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 781 | 781 | No | 1.05 | 1.05 | No | TRUE | $1735.00 | $1735.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 92.87 | 92.87 | No | 03-Refinance Cash Out | 03-Refinance Cash Out | No | 4/11/2025 | 4/11/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $9870.00 | $9870.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 841450 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.073000 | 0.073000 | No | TRUE | 10/1 R30 | 10/1 R30 | No | $46281.72 | $46281.72 | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 781 | 781 | No | 1.09 | 1.09 | No | TRUE | $1735.00 | $1735.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 90.65 | 90.65 | No | 03-Refinance Cash Out | 03-Refinance Cash Out | No | 4/22/2025 | 4/22/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $9555.00 | $9555.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 841451 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.073000 | 0.073000 | No | TRUE | 10/1 R30 | 10/1 R30 | No | $48403.98 | $48403.98 | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 781 | 781 | No | 1.10 | 1.10 | No | TRUE | $1760.00 | $1760.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 90.61 | 90.61 | No | 03-Refinance Cash Out | 03-Refinance Cash Out | No | 4/16/2025 | 4/16/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $9590.00 | $9590.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 841452 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.087330 | 0.087330 | No | TRUE | Fixed R30 | Fixed R30 | No | $241095.10 | $241095.10 | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 760 | 760 | No | 1.20 | 1.20 | No | TRUE | $3225.00 | $3225.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 207.25 | 207.25 | No | 03-Refinance Cash Out | 03-Refinance Cash Out | No | 4/3/2025 | 4/3/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 111 | 38 1%, 1%, 1% | No | 36 | 36 | No | $2722.90 | $2722.90 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 841453 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.080000 | 0.080000 | No | TRUE | 10/1 R30 | 10/1 R30 | No | $94980.05 | $94980.05 | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 735 | 735 | No | 1.23 | 1.23 | No | TRUE | $3307.50 | $3307.50 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 181 | 181 | No | 03-Refinance Cash Out | 03-Refinance Cash Out | No | 4/11/2025 | 4/11/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $14144.05 | $14144.05 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 841454 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.078500 | 0.078500 | No | TRUE | 10/1 R30 | 10/1 R30 | No | $- | $- | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 689 | 689 | No | 2.05 | 2.05 | No | TRUE | $1650.00 | $1650.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 143.51 | 143.51 | No | 09-Refinance No Cash Out | 09-Refinance No Cash Out | No | 4/13/2025 | 4/13/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 321 | 41-3-2-1 | No | 36 | 36 | No | $2437.50 | $2437.50 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 841455 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.075500 | 0.075500 | No | TRUE | Fixed R30 | Fixed R30 | No | $- | $- | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 745 | 745 | No | 1.06 | 1.06 | No | TRUE | $2137.50 | $2137.50 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 144.5 | 144.5 | No | 09-Refinance No Cash Out | 09-Refinance No Cash Out | No | 4/14/2025 | 4/14/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $11305.00 | $11305.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 841456 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.071500 | 0.071500 | No | TRUE | Fixed R30 | Fixed R30 | No | $- | $- | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 804 | 804 | No | 2.21 | 2.21 | No | TRUE | $3287.50 | $3287.50 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 199.44 | 199.44 | No | 09-Refinance No Cash Out | 09-Refinance No Cash Out | No | 4/23/2025 | 4/23/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 321 | 41-3-2-1 | No | 36 | 36 | No | $4504.50 | $4504.50 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 841457 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.067000 | 0.067000 | No | TRUE | 5/1 R30 | 5/1 R30 | No | $- | $- | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 792 | 792 | No | 1.01 | 1.01 | No | TRUE | $3000.00 | $3000.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 199.85 | 199.85 | No | 07-Purchase | 07-Purchase | No | 4/16/2025 | 4/16/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $15537.50 | $15537.50 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 841458 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.077000 | 0.077000 | No | TRUE | Fixed R30 | Fixed R30 | No | $81063.46 | $81063.46 | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 796 | 796 | No | 1.44 | 1.44 | No | TRUE | $1175.00 | $1175.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 77.79 | 77.79 | No | 03-Refinance Cash Out | 03-Refinance Cash Out | No | 4/30/2025 | 4/30/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $4575.00 | $4575.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 841459 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.075000 | 0.075000 | No | TRUE | Fixed R30 | Fixed R30 | No | $114242.39 | $114242.39 | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 779 | 779 | No | 1.33 | 1.33 | No | TRUE | $1350.00 | $1350.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 65.83 | 65.83 | No | 03-Refinance Cash Out | 03-Refinance Cash Out | No | 4/23/2025 | 4/23/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 111 | 38 1%, 1%, 1% | No | 36 | 36 | No | $1235.20 | $1235.20 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 841460 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.073000 | 0.073000 | No | TRUE | Fixed R30 | Fixed R30 | No | $79985.39 | $79985.39 | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 750 | 750 | No | 1.43 | 1.43 | No | TRUE | $2400.00 | $2400.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 99 | 99 | No | 03-Refinance Cash Out | 03-Refinance Cash Out | No | 4/21/2025 | 4/21/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $7543.50 | $7543.50 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 841461 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.070000 | 0.070000 | No | TRUE | Fixed R30 | Fixed R30 | No | $- | $- | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 795 | 795 | No | 1.20 | 1.20 | No | TRUE | $3190.00 | $3190.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 214.28 | 214.28 | No | 07-Purchase | 07-Purchase | No | 4/22/2025 | 4/22/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $12934.00 | $12934.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 841462 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.085000 | 0.085000 | No | TRUE | Fixed R30 | Fixed R30 | No | $93723.38 | $93723.38 | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 753 | 753 | No | 1.20 | 1.20 | No | TRUE | $1250.00 | $1250.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 69.52 | 69.52 | No | 03-Refinance Cash Out | 03-Refinance Cash Out | No | 4/28/2025 | 4/28/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | No | No | No | No Prepayment | 0-No Prepay Penalty | No | 0 | 0 | No | $- | $- | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 841463 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.072000 | 0.072000 | No | TRUE | Fixed R30 | Fixed R30 | No | $55894.76 | $55894.76 | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 788 | 788 | No | 1.00 | 1.00 | No | TRUE | $2049.00 | $2049.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 119.69 | 119.69 | No | 03-Refinance Cash Out | 03-Refinance Cash Out | No | 4/28/2025 | 4/28/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 5-5-4-4-3-2-1 | 98-Other | No | 84 | 84 | No | $10459.75 | $10459.75 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 841464 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.081500 | 0.081500 | No | TRUE | 10/1 R30 | 10/1 R30 | No | $89138.88 | $89138.88 | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 742 | 742 | No | 1.20 | 1.20 | No | TRUE | $1100.00 | $1100.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 81.34 | 81.34 | No | 03-Refinance Cash Out | 03-Refinance Cash Out | No | 3/21/2025 | 3/21/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | No | No | No | No Prepayment | 0-No Prepay Penalty | No | 0 | 0 | No | $- | $- | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 841465 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.072000 | 0.072000 | No | TRUE | 5/1 IO R30 | 5/1 IO R30 | No | $- | $- | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 778 | 778 | No | 1.24 | 1.24 | No | TRUE | $1395.00 | $1395.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 45.83 | 45.83 | No | 09-Refinance No Cash Out | 09-Refinance No Cash Out | No | 3/25/2025 | 3/25/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $7420.00 | $7420.00 | No | 0.18 | 18.00% | No | N | No | Yes | No | 60 | No |
| 841466 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.072000 | 0.072000 | No | TRUE | 5/1 IO R30 | 5/1 IO R30 | No | $- | $- | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 778 | 778 | No | 1.25 | 1.25 | No | TRUE | $1250.00 | $1250.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 47.5 | 47.5 | No | 09-Refinance No Cash Out | 09-Refinance No Cash Out | No | 3/25/2025 | 3/25/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $6545.00 | $6545.00 | No | 0.18 | 18.00% | No | N | No | Yes | No | 60 | No |
| 841467 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.073000 | 0.073000 | No | TRUE | Fixed R30 | Fixed R30 | No | $48456.46 | $48456.46 | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 770 | 770 | No | 1.20 | 1.20 | No | TRUE | $1650.00 | $1650.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 131.81 | 131.81 | No | 03-Refinance Cash Out | 03-Refinance Cash Out | No | 3/26/2025 | 3/26/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $7409.25 | $7409.25 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 841468 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.073500 | 0.073500 | No | TRUE | 5/1 IO R30 | 5/1 IO R30 | No | $118674.70 | $118674.70 | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 776 | 776 | No | 1.15 | 1.15 | No | TRUE | $1595.00 | $1595.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 187.27 | 187.27 | No | 03-Refinance Cash Out | 03-Refinance Cash Out | No | 4/16/2025 | 4/16/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $6625.00 | $6625.00 | No | 0.18 | 18.00% | No | N | No | Yes | No | 60 | No |
| 841469 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.067000 | 0.067000 | No | TRUE | Fixed R30 | Fixed R30 | No | $- | $- | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 755 | 755 | No | 1.20 | 1.20 | No | TRUE | $1395.00 | $1395.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 148.58 | 148.58 | No | 07-Purchase | 07-Purchase | No | 4/23/2025 | 4/23/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $6788.55 | $6788.55 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 841470 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.081500 | 0.081500 | No | TRUE | Fixed R30 | Fixed R30 | No | $- | $- | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 741 | 741 | No | 1.22 | 1.22 | No | TRUE | $990.00 | $990.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 99.74 | 99.74 | No | 07-Purchase | 07-Purchase | No | 4/24/2025 | 4/24/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | No | No | No | No Prepayment | 0-No Prepay Penalty | No | 0 | 0 | No | $- | $- | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 841471 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.068000 | 0.068000 | No | TRUE | Fixed R30 | Fixed R30 | No | $1282.54 | $1282.54 | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 801 | 801 | No | 1.21 | 1.21 | No | TRUE | $900.00 | $900.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 105.42 | 105.42 | No | 09-Refinance No Cash Out | 09-Refinance No Cash Out | No | 5/1/2025 | 5/1/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $4410.00 | $4410.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 841472 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.072000 | 0.072000 | No | TRUE | Fixed R30 | Fixed R30 | No | $62939.15 | $62939.15 | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 813 | 813 | No | 1.21 | 1.21 | No | TRUE | $1095.00 | $1095.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 49.32 | 49.32 | No | 03-Refinance Cash Out | 03-Refinance Cash Out | No | 5/6/2025 | 5/6/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $4378.50 | $4378.50 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 841473 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.075500 | 0.075500 | No | TRUE | Fixed R30 | Fixed R30 | No | $- | $- | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 759 | 759 | No | 1.32 | 1.32 | No | TRUE | $1197.00 | $1197.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 74.83 | 74.83 | No | 07-Purchase | 07-Purchase | No | 4/30/2025 | 4/30/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $5062.50 | $5062.50 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 841474 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.080000 | 0.080000 | No | TRUE | Fixed R30 | Fixed R30 | No | $- | $- | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 746 | 746 | No | 2.45 | 2.45 | No | TRUE | $2340.00 | $2340.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 44.75 | 44.75 | No | 07-Purchase | 07-Purchase | No | 3/7/2025 | 3/7/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $5000.00 | $5000.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 841475 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.082500 | 0.082500 | No | TRUE | Fixed R30 | Fixed R30 | No | $177077.66 | $177077.66 | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 793 | 793 | No | 1.01 | 1.01 | No | TRUE | $1895.00 | $1895.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 76.77 | 76.77 | No | 03-Refinance Cash Out | 03-Refinance Cash Out | No | 4/2/2025 | 4/2/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | No | No | No | No Prepayment | 0-No Prepay Penalty | No | 0 | 0 | No | $- | $- | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 841476 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.079500 | 0.079500 | No | TRUE | Fixed R30 | Fixed R30 | No | $- | $- | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 784 | 784 | No | 1.74 | 1.74 | No | TRUE | $2385.00 | $2385.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 206.25 | 206.25 | No | 07-Purchase | 07-Purchase | No | 4/23/2025 | 4/23/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 111 | 98-Other | No | 36 | 36 | No | $1372.50 | $1372.50 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 841477 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.072830 | 0.072830 | No | TRUE | 5/1 R30 | 5/1 R30 | No | $- | $- | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 786 | 786 | No | 1.02 | 1.02 | No | TRUE | $2700.00 | $2700.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 75.92 | 75.92 | No | 07-Purchase | 07-Purchase | No | 4/3/2025 | 4/3/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $13650.00 | $13650.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 841478 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.074330 | 0.074330 | No | TRUE | 5/1 R30 | 5/1 R30 | No | $- | $- | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 786 | 786 | No | 1.10 | 1.10 | No | TRUE | $3780.00 | $3780.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 99.12 | 99.12 | No | 07-Purchase | 07-Purchase | No | 4/3/2025 | 4/3/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $17972.50 | $17972.50 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 841479 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.074330 | 0.074330 | No | TRUE | 5/1 R30 | 5/1 R30 | No | $- | $- | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 786 | 786 | No | 1.11 | 1.11 | No | TRUE | $2880.00 | $2880.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 66.25 | 66.25 | No | 07-Purchase | 07-Purchase | No | 4/3/2025 | 4/3/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $13650.00 | $13650.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 841480 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.074330 | 0.074330 | No | TRUE | 5/1 R30 | 5/1 R30 | No | $- | $- | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 786 | 786 | No | 1.05 | 1.05 | No | TRUE | $4500.00 | $4500.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 130.17 | 130.17 | No | 07-Purchase | 07-Purchase | No | 4/3/2025 | 4/3/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $19500.00 | $19500.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 841481 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.074330 | 0.074330 | No | TRUE | 5/1 R30 | 5/1 R30 | No | $- | $- | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 786 | 786 | No | 1.01 | 1.01 | No | TRUE | $2880.00 | $2880.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 74.17 | 74.17 | No | 07-Purchase | 07-Purchase | No | 4/3/2025 | 4/3/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $13325.00 | $13325.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 841482 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.073330 | 0.073330 | No | TRUE | 5/1 R30 | 5/1 R30 | No | $- | $- | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 786 | 786 | No | 1.01 | 1.01 | No | TRUE | $2880.00 | $2880.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 70.87 | 70.87 | No | 07-Purchase | 07-Purchase | No | 4/3/2025 | 4/3/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $13500.00 | $13500.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 841483 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.075500 | 0.075500 | No | TRUE | Fixed R30 | Fixed R30 | No | $120082.27 | $120082.27 | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 756 | 756 | No | 1.24 | 1.24 | No | TRUE | $1500.00 | $1500.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 162.83 | 162.83 | No | 03-Refinance Cash Out | 03-Refinance Cash Out | No | 4/8/2025 | 4/8/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $6630.00 | $6630.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 841484 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.082500 | 0.082500 | No | TRUE | Fixed R30 | Fixed R30 | No | $177421.61 | $177421.61 | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 793 | 793 | No | 1.01 | 1.01 | No | TRUE | $1895.00 | $1895.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 76.77 | 76.77 | No | 03-Refinance Cash Out | 03-Refinance Cash Out | No | 4/15/2025 | 4/15/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | No | No | No | No Prepayment | 0-No Prepay Penalty | No | 0 | 0 | No | $- | $- | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 841485 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.070500 | 0.070500 | No | TRUE | Fixed R30 | Fixed R30 | No | $- | $- | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 785 | 785 | No | 1.27 | 1.27 | No | TRUE | $2250.00 | $2250.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 179.3 | 179.3 | No | 09-Refinance No Cash Out | 09-Refinance No Cash Out | No | 4/28/2025 | 4/28/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $9859.50 | $9859.50 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 841486 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.084500 | 0.084500 | No | TRUE | 5/1 R30 | 5/1 R30 | No | $- | $- | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 771 | 771 | No | 1.83 | 1.83 | No | TRUE | $1530.00 | $1530.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 65.25 | 65.25 | No | 07-Purchase | 07-Purchase | No | 5/16/2025 | 5/16/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | No | No | No | No Prepayment | 0-No Prepay Penalty | No | 0 | 0 | No | $- | $- | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 841487 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.075500 | 0.075500 | No | TRUE | 10/1 R30 | 10/1 R30 | No | $- | $- | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 682 | 682 | No | 1.59 | 1.59 | No | TRUE | $1625.00 | $1625.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 68.17 | 68.17 | No | 09-Refinance No Cash Out | 09-Refinance No Cash Out | No | 4/22/2025 | 4/22/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $5700.00 | $5700.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 841488 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.075500 | 0.075500 | No | TRUE | 10/1 R30 | 10/1 R30 | No | $96390.46 | $96390.46 | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 682 | 682 | No | 1.67 | 1.67 | No | TRUE | $2400.00 | $2400.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 116.75 | 116.75 | No | 03-Refinance Cash Out | 03-Refinance Cash Out | No | 4/22/2025 | 4/22/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $7350.00 | $7350.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 841489 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.075500 | 0.075500 | No | TRUE | 10/1 R30 | 10/1 R30 | No | $128352.33 | $128352.33 | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 682 | 682 | No | 1.99 | 1.99 | No | TRUE | $2430.00 | $2430.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 95.58 | 95.58 | No | 03-Refinance Cash Out | 03-Refinance Cash Out | No | 4/22/2025 | 4/22/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $6900.00 | $6900.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 841490 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.075500 | 0.075500 | No | TRUE | 10/1 R30 | 10/1 R30 | No | $- | $- | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 682 | 682 | No | 2.87 | 2.87 | No | TRUE | $4050.00 | $4050.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 121.33 | 121.33 | No | 09-Refinance No Cash Out | 09-Refinance No Cash Out | No | 4/22/2025 | 4/22/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $7650.00 | $7650.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 841491 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.079500 | 0.079500 | No | TRUE | Fixed R30 | Fixed R30 | No | $- | $- | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 695 | 695 | No | 1.28 | 1.28 | No | TRUE | $1595.00 | $1595.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 123.3 | 123.3 | No | 09-Refinance No Cash Out | 09-Refinance No Cash Out | No | 4/18/2025 | 4/18/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $6675.00 | $6675.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 841492 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.077500 | 0.077500 | No | TRUE | Fixed R30 | Fixed R30 | No | $14497.65 | $14497.65 | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 686 | 686 | No | 1.21 | 1.21 | No | TRUE | $1100.00 | $1100.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 66.27 | 66.27 | No | 03-Refinance Cash Out | 03-Refinance Cash Out | No | 4/29/2025 | 4/29/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $5177.00 | $5177.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 841493 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.076500 | 0.076500 | No | TRUE | Fixed R30 | Fixed R30 | No | $92205.99 | $92205.99 | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 677 | 677 | No | 1.50 | 1.50 | No | TRUE | $1500.00 | $1500.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 64.83 | 64.83 | No | 03-Refinance Cash Out | 03-Refinance Cash Out | No | 4/22/2025 | 4/22/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $5400.00 | $5400.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 841494 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.079500 | 0.079500 | No | TRUE | Fixed R30 | Fixed R30 | No | $1176.44 | $1176.44 | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 702 | 702 | No | 1.08 | 1.08 | No | TRUE | $2610.00 | $2610.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 156.75 | 156.75 | No | 09-Refinance No Cash Out | 09-Refinance No Cash Out | No | 4/22/2025 | 4/22/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $13000.00 | $13000.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 841495 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.075500 | 0.075500 | No | TRUE | Fixed R30 | Fixed R30 | No | $31939.98 | $31939.98 | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 777 | 777 | No | 1.57 | 1.57 | No | TRUE | $1675.00 | $1675.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 105.5 | 105.5 | No | 03-Refinance Cash Out | 03-Refinance Cash Out | No | 4/30/2025 | 4/30/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $5400.00 | $5400.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 841496 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.080000 | 0.080000 | No | TRUE | Fixed R30 | Fixed R30 | No | $- | $- | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 746 | 746 | No | 1.85 | 1.85 | No | TRUE | $3339.00 | $3339.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 152.58 | 152.58 | No | 09-Refinance No Cash Out | 09-Refinance No Cash Out | No | 5/2/2025 | 5/2/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | No | No | No | No Prepayment | 0-No Prepay Penalty | No | 0 | 0 | No | $- | $- | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 841497 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.083500 | 0.083500 | No | TRUE | Fixed R30 | Fixed R30 | No | $19267.69 | $19267.69 | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 672 | 672 | No | 1.79 | 1.79 | No | TRUE | $1628.00 | $1628.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 158.5 | 158.5 | No | 03-Refinance Cash Out | 03-Refinance Cash Out | No | 5/5/2025 | 5/5/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | No | No | No | No Prepayment | 0-No Prepay Penalty | No | 0 | 0 | No | $- | $- | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 841498 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.067000 | 0.067000 | No | TRUE | Fixed R30 | Fixed R30 | No | $- | $- | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 799 | 799 | No | 1.27 | 1.27 | No | TRUE | $1890.00 | $1890.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 54.33 | 54.33 | No | 07-Purchase | 07-Purchase | No | 5/8/2025 | 5/8/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $9909.25 | $9909.25 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 841499 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.067000 | 0.067000 | No | TRUE | Fixed R30 | Fixed R30 | No | $- | $- | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 790 | 790 | No | 1.46 | 1.46 | No | TRUE | $1215.00 | $1215.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 111.31 | 111.31 | No | 07-Purchase | 07-Purchase | No | 5/5/2025 | 5/5/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $5196.00 | $5196.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 841500 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.067000 | 0.067000 | No | TRUE | Fixed R30 | Fixed R30 | No | $- | $- | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 790 | 790 | No | 1.36 | 1.36 | No | TRUE | $1080.00 | $1080.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 110.26 | 110.26 | No | 07-Purchase | 07-Purchase | No | 5/5/2025 | 5/5/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $4596.00 | $4596.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 841501 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.072500 | 0.072500 | No | TRUE | Fixed R30 | Fixed R30 | No | $35275.54 | $35275.54 | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 737 | 737 | No | 1.20 | 1.20 | No | TRUE | $850.00 | $850.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 85.25 | 85.25 | No | 03-Refinance Cash Out | 03-Refinance Cash Out | No | 3/24/2025 | 3/24/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $3755.70 | $3755.70 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 841502 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.078500 | 0.078500 | No | TRUE | 10/1 R30 | 10/1 R30 | No | $- | $- | No | Y | Y | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 778 | 778 | No | 1.33 | 1.33 | No | TRUE | $3300.75 | $3300.75 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 141.92 | 141.92 | No | 07-Purchase | 07-Purchase | No | 3/17/2025 | 3/17/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $13500.00 | $13500.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 841503 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.067000 | 0.067000 | No | TRUE | Fixed R30 | Fixed R30 | No | $- | $- | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 791 | 791 | No | 1.01 | 1.01 | No | TRUE | $2682.00 | $2682.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 522.63 | 522.63 | No | 07-Purchase | 07-Purchase | No | 4/4/2025 | 4/4/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $11400.00 | $11400.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 841504 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.070330 | 0.070330 | No | TRUE | Fixed R30 | Fixed R30 | No | $- | $- | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 796 | 796 | No | 1.20 | 1.20 | No | TRUE | $4900.00 | $4900.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 869.5 | 869.5 | No | 09-Refinance No Cash Out | 09-Refinance No Cash Out | No | 4/7/2025 | 4/7/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $19305.00 | $19305.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 841505 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.085000 | 0.085000 | No | TRUE | Fixed R30 | Fixed R30 | No | $61670.27 | $61670.27 | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 705 | 705 | No | 1.00 | 1.00 | No | TRUE | $1890.00 | $1890.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 74.5 | 74.5 | No | 03-Refinance Cash Out | 03-Refinance Cash Out | No | 4/16/2025 | 4/16/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 111 | 98-Other | No | 36 | 36 | No | $1909.50 | $1909.50 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 841506 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.067000 | 0.067000 | No | TRUE | 10/1 R30 | 10/1 R30 | No | $- | $- | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 766 | 766 | No | 1.03 | 1.03 | No | TRUE | $2800.00 | $2800.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 74.47 | 74.47 | No | 09-Refinance No Cash Out | 09-Refinance No Cash Out | No | 4/15/2025 | 4/15/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 321 | 41-3-2-1 | No | 36 | 36 | No | $10237.50 | $10237.50 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 841507 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.077500 | 0.077500 | No | TRUE | Fixed R30 | Fixed R30 | No | $3983.96 | $3983.96 | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 815 | 815 | No | 1.66 | 1.66 | No | TRUE | $1890.00 | $1890.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 105.94 | 105.94 | No | 03-Refinance Cash Out | 03-Refinance Cash Out | No | 4/25/2025 | 4/25/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $5250.00 | $5250.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 841508 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.069370 | 0.069370 | No | TRUE | 10/1 R30 | 10/1 R30 | No | $- | $- | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 766 | 766 | No | 1.07 | 1.07 | No | TRUE | $3000.00 | $3000.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 74.47 | 74.47 | No | 09-Refinance No Cash Out | 09-Refinance No Cash Out | No | 4/29/2025 | 4/29/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 321 | 41-3-2-1 | No | 36 | 36 | No | $10500.00 | $10500.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 841509 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.069370 | 0.069370 | No | TRUE | 10/1 R30 | 10/1 R30 | No | $- | $- | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 766 | 766 | No | 1.01 | 1.01 | No | TRUE | $2795.00 | $2795.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 74.47 | 74.47 | No | 09-Refinance No Cash Out | 09-Refinance No Cash Out | No | 4/29/2025 | 4/29/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 321 | 41-3-2-1 | No | 36 | 36 | No | $10302.00 | $10302.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 841510 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.077500 | 0.077500 | No | TRUE | Fixed R30 | Fixed R30 | No | $109307.01 | $109307.01 | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 815 | 815 | No | 2.16 | 2.16 | No | TRUE | $2812.50 | $2812.50 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 104.34 | 104.34 | No | 03-Refinance Cash Out | 03-Refinance Cash Out | No | 4/25/2025 | 4/25/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $6187.50 | $6187.50 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 841511 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.084500 | 0.084500 | No | TRUE | Fixed R30 | Fixed R30 | No | $17971.28 | $17971.28 | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 699 | 699 | No | 1.64 | 1.65 | No | TRUE | $4725.00 | $4725.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 394.2 | 394.2 | No | 03-Refinance Cash Out | 03-Refinance Cash Out | No | 4/30/2025 | 4/30/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $13500.00 | $13500.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 841512 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.083500 | 0.083500 | No | TRUE | Fixed R30 | Fixed R30 | No | $31158.30 | $31158.30 | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 723 | 723 | No | 1.37 | 1.37 | No | TRUE | $1550.00 | $1550.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 74.58 | 74.58 | No | 03-Refinance Cash Out | 03-Refinance Cash Out | No | 5/16/2025 | 5/16/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 111 | 38 1%, 1%, 1% | No | 36 | 36 | No | $1256.25 | $1256.25 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 841513 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.075500 | 0.075500 | No | TRUE | Fixed R30 | Fixed R30 | No | $- | $- | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 736 | 736 | No | 1.03 | 1.03 | No | TRUE | $6400.00 | $6400.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 443.6 | 443.6 | No | 09-Refinance No Cash Out | 09-Refinance No Cash Out | No | 5/5/2025 | 5/5/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $36856.00 | $36856.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 841514 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.072500 | 0.072500 | No | TRUE | 5/1 R30 | 5/1 R30 | No | $8610.86 | $8610.86 | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 707 | 707 | No | 1.68 | 1.68 | No | TRUE | $1350.00 | $1350.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 93.92 | 93.92 | No | 03-Refinance Cash Out | 03-Refinance Cash Out | No | 5/12/2025 | 5/12/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $4920.00 | $4920.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 841515 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.078000 | 0.078000 | No | TRUE | Fixed R30 | Fixed R30 | No | $69781.63 | $69781.63 | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 807 | 807 | No | 1.21 | 1.21 | No | TRUE | $1135.00 | $1135.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 58.51 | 58.51 | No | 03-Refinance Cash Out | 03-Refinance Cash Out | No | 5/12/2025 | 5/12/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | No | No | No | No Prepayment | 0-No Prepay Penalty | No | 0 | 0 | No | $- | $- | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 841516 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.067000 | 0.067000 | No | TRUE | Fixed R30 | Fixed R30 | No | $- | $- | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 790 | 790 | No | 1.37 | 1.37 | No | TRUE | $1089.00 | $1089.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 85.72 | 85.72 | No | 07-Purchase | 07-Purchase | No | 5/9/2025 | 5/9/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $4596.00 | $4596.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 841517 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.078500 | 0.078500 | No | TRUE | Fixed R30 | Fixed R30 | No | $122566.79 | $122566.79 | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 720 | 720 | No | 1.27 | 1.27 | No | TRUE | $4100.00 | $4100.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 193.35 | 193.35 | No | 03-Refinance Cash Out | 03-Refinance Cash Out | No | 5/14/2025 | 5/14/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $18550.00 | $18550.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 841518 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.067000 | 0.067000 | No | TRUE | Fixed R30 | Fixed R30 | No | $- | $- | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 713 | 713 | No | 1.29 | 1.29 | No | TRUE | $2151.00 | $2151.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 88.5 | 88.5 | No | 07-Purchase | 07-Purchase | No | 5/12/2025 | 5/12/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $9938.50 | $9938.50 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 841519 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.073000 | 0.073000 | No | TRUE | Fixed R30 | Fixed R30 | No | $84071.13 | $84071.13 | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 788 | 788 | No | 1.33 | 1.33 | No | TRUE | $1260.00 | $1260.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 55.17 | 55.17 | No | 03-Refinance Cash Out | 03-Refinance Cash Out | No | 5/20/2025 | 5/20/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | No | No | No | No Prepayment | 0-No Prepay Penalty | No | 0 | 0 | No | $- | $- | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 841520 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.067000 | 0.067000 | No | TRUE | 5/1 R30 | 5/1 R30 | No | $- | $- | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 794 | 794 | No | 1.09 | 1.09 | No | TRUE | $1485.00 | $1485.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 105.79 | 105.79 | No | 07-Purchase | 07-Purchase | No | 3/17/2025 | 3/17/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $8292.50 | $8292.50 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 841521 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.071500 | 0.071500 | No | TRUE | 5/1 IO R30 | 5/1 IO R30 | No | $84116.25 | $84116.25 | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 775 | 775 | No | 1.24 | 1.24 | No | TRUE | $1000.00 | $1000.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 83.56 | 83.56 | No | 03-Refinance Cash Out | 03-Refinance Cash Out | No | 3/21/2025 | 3/21/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | No | No | No | No Prepayment | 0-No Prepay Penalty | No | 0 | 0 | No | $- | $- | No | 0.18 | 18.00% | No | N | No | Yes | No | 60 | No |
| 841522 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.077000 | 0.077000 | No | TRUE | 10/1 R30 | 10/1 R30 | No | $- | $- | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 759 | 759 | No | 1.15 | 1.15 | No | TRUE | $1980.00 | $1980.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 109.75 | 109.75 | No | 09-Refinance No Cash Out | 09-Refinance No Cash Out | No | 5/20/2025 | 5/20/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $10325.00 | $10325.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 841523 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.082870 | 0.082870 | No | TRUE | Fixed R30 | Fixed R30 | No | $- | $- | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 732 | 732 | No | 1.31 | 1.31 | No | TRUE | $1440.00 | $1440.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 95.08 | 95.08 | No | 07-Purchase | 07-Purchase | No | 5/2/2025 | 5/2/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | No | No | No | No Prepayment | 0-No Prepay Penalty | No | 0 | 0 | No | $- | $- | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 841524 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.073500 | 0.073500 | No | TRUE | 10/1 R30 | 10/1 R30 | No | $- | $- | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 743 | 743 | No | 1.20 | 1.20 | No | TRUE | $2160.00 | $2160.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 69.58 | 69.58 | No | 07-Purchase | 07-Purchase | No | 5/13/2025 | 5/13/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $10050.00 | $10050.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 841525 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.079000 | 0.079000 | No | TRUE | Fixed R30 | Fixed R30 | No | $22535.51 | $22535.51 | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 720 | 720 | No | 1.32 | 1.32 | No | TRUE | $1146.00 | $1146.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 112.85 | 112.85 | No | 03-Refinance Cash Out | 03-Refinance Cash Out | No | 5/22/2025 | 5/22/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $4762.50 | $4762.50 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 841526 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.067000 | 0.067000 | No | TRUE | Fixed R30 | Fixed R30 | No | $67944.98 | $67944.98 | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 787 | 787 | No | 1.63 | 1.63 | No | TRUE | $1080.00 | $1080.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 97.75 | 97.75 | No | 03-Refinance Cash Out | 03-Refinance Cash Out | No | 5/15/2025 | 5/15/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $3925.00 | $3925.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 841595 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.084000 | 0.084000 | No | TRUE | 10/1 R30 | 10/1 R30 | No | $- | $- | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 706 | 706 | No | 1.52 | 1.52 | No | TRUE | $1350.00 | $1350.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 52.33 | 52.33 | No | 07-Purchase | 07-Purchase | No | 4/17/2025 | 4/17/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | No | No | No | No Prepayment | 0-No Prepay Penalty | No | 0 | 0 | No | $- | $- | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 841596 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.076000 | 0.076000 | No | TRUE | 10/1 R30 | 10/1 R30 | No | $- | $- | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 706 | 706 | No | 1.22 | 1.22 | No | TRUE | $1170.00 | $1170.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 199.46 | 199.46 | No | 07-Purchase | 07-Purchase | No | 4/25/2025 | 4/25/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $4500.00 | $4500.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 841597 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.076000 | 0.076000 | No | TRUE | 10/1 R30 | 10/1 R30 | No | $- | $- | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 706 | 706 | No | 1.43 | 1.43 | No | TRUE | $1008.00 | $1008.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 58.5 | 58.5 | No | 07-Purchase | 07-Purchase | No | 4/18/2025 | 4/18/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $3937.50 | $3937.50 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 841598 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.084000 | 0.084000 | No | TRUE | 10/1 R30 | 10/1 R30 | No | $- | $- | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 706 | 706 | No | 1.30 | 1.30 | No | TRUE | $1188.00 | $1188.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 80.83 | 80.83 | No | 07-Purchase | 07-Purchase | No | 5/9/2025 | 5/9/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | No | No | No | No Prepayment | 0-No Prepay Penalty | No | 0 | 0 | No | $- | $- | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 845608 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.082500 | 0.082500 | No | TRUE | Fixed R30 | Fixed R30 | No | $54465.97 | $54465.97 | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 673 | 673 | No | 1.66 | 1.66 | No | TRUE | $1800.00 | $1800.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 161.58 | 161.58 | No | 03-Refinance Cash Out | 03-Refinance Cash Out | No | 4/30/2025 | 4/30/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $3750.00 | $3750.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 845609 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.074500 | 0.074500 | No | TRUE | Fixed R30 | Fixed R30 | No | $- | $- | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 667 | 667 | No | 1.26 | 1.26 | No | TRUE | $2500.00 | $2500.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 105.92 | 105.92 | No | 09-Refinance No Cash Out | 09-Refinance No Cash Out | No | 5/18/2025 | 5/18/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $8250.00 | $8250.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 845610 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.074500 | 0.074500 | No | TRUE | 10/1 R30 | 10/1 R30 | No | $24873.81 | $24873.81 | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 764 | 764 | No | 1.48 | 1.48 | No | TRUE | $1386.00 | $1386.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 80.55 | 80.55 | No | 03-Refinance Cash Out | 03-Refinance Cash Out | No | 6/2/2025 | 6/2/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $5137.50 | $5137.50 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 845611 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.083500 | 0.083500 | No | TRUE | 5/1 R30 | 5/1 R30 | No | $- | $- | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 743 | 743 | No | 1.34 | 1.34 | No | TRUE | $1590.00 | $1590.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 74.92 | 74.92 | No | 07-Purchase | 07-Purchase | No | 5/19/2025 | 5/19/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $6364.00 | $6364.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 845612 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.083500 | 0.083500 | No | TRUE | 5/1 R30 | 5/1 R30 | No | $104735.44 | $104735.44 | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 743 | 743 | No | 1.91 | 1.91 | No | TRUE | $2160.00 | $2160.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 78.75 | 78.75 | No | 03-Refinance Cash Out | 03-Refinance Cash Out | No | 6/5/2025 | 6/5/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $5850.00 | $5850.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 845613 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.083500 | 0.083500 | No | TRUE | 5/1 R30 | 5/1 R30 | No | $104839.65 | $104839.65 | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 743 | 743 | No | 1.96 | 1.96 | No | TRUE | $2200.00 | $2200.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 77.08 | 77.08 | No | 03-Refinance Cash Out | 03-Refinance Cash Out | No | 6/5/2025 | 6/5/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $5850.00 | $5850.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 845614 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.083500 | 0.083500 | No | TRUE | 5/1 R30 | 5/1 R30 | No | $99735.97 | $99735.97 | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 743 | 743 | No | 1.67 | 1.67 | No | TRUE | $1730.00 | $1730.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 75.92 | 75.92 | No | 03-Refinance Cash Out | 03-Refinance Cash Out | No | 6/5/2025 | 6/5/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $5550.00 | $5550.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 845615 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.083500 | 0.083500 | No | TRUE | 5/1 R30 | 5/1 R30 | No | $105193.50 | $105193.50 | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 743 | 743 | No | 1.90 | 1.90 | No | TRUE | $2100.00 | $2100.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 76.92 | 76.92 | No | 03-Refinance Cash Out | 03-Refinance Cash Out | No | 6/5/2025 | 6/5/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $5850.00 | $5850.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 845616 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.066000 | 0.066000 | No | TRUE | Fixed R30 | Fixed R30 | No | $38919.53 | $38919.53 | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 730 | 730 | No | 1.06 | 1.06 | No | TRUE | $1656.00 | $1656.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 58.75 | 58.75 | No | 03-Refinance Cash Out | 03-Refinance Cash Out | No | 3/10/2025 | 3/10/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $10143.00 | $10143.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 845617 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.065000 | 0.065000 | No | TRUE | Fixed R30 | Fixed R30 | No | $- | $- | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 801 | 801 | No | 1.02 | 1.02 | No | TRUE | $10585.00 | $10585.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 1079.4 | 1079.41 | No | 09-Refinance No Cash Out | 09-Refinance No Cash Out | No | 4/2/2025 | 4/2/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $58475.50 | $58475.50 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 845618 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.065000 | 0.065000 | No | TRUE | 10/1 R30 | 10/1 R30 | No | $- | $- | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 766 | 766 | No | 1.00 | 1.00 | No | TRUE | $2795.00 | $2795.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 74.47 | 74.47 | No | 09-Refinance No Cash Out | 09-Refinance No Cash Out | No | 4/29/2025 | 4/29/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 321 | 41-3-2-1 | No | 36 | 36 | No | $10764.00 | $10764.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 845619 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.065000 | 0.065000 | No | TRUE | 10/1 R30 | 10/1 R30 | No | $- | $- | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 766 | 766 | No | 1.01 | 1.01 | No | TRUE | $2745.00 | $2745.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 74.47 | 74.47 | No | 09-Refinance No Cash Out | 09-Refinance No Cash Out | No | 4/29/2025 | 4/29/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 321 | 41-3-2-1 | No | 36 | 36 | No | $10500.00 | $10500.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 845620 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.076000 | 0.076000 | No | TRUE | 10/1 R30 | 10/1 R30 | No | $3714.30 | $3714.30 | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 764 | 764 | No | 1.54 | 1.54 | No | TRUE | $1340.00 | $1340.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 75.75 | 75.75 | No | 03-Refinance Cash Out | 03-Refinance Cash Out | No | 5/13/2025 | 5/13/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $4537.50 | $4537.50 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 845621 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.071000 | 0.071000 | No | TRUE | 10/1 R30 | 10/1 R30 | No | $138359.29 | $138359.29 | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 674 | 674 | No | 1.21 | 1.21 | No | TRUE | $3300.00 | $3300.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 163.33 | 163.33 | No | 03-Refinance Cash Out | 03-Refinance Cash Out | No | 5/28/2025 | 5/28/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $16640.00 | $16640.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 845622 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.067000 | 0.067000 | No | TRUE | Fixed R30 | Fixed R30 | No | $9187.00 | $9187.00 | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 751 | 751 | No | 1.26 | 1.26 | No | TRUE | $1298.00 | $1298.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 86.08 | 86.08 | No | 03-Refinance Cash Out | 03-Refinance Cash Out | No | 5/23/2025 | 5/23/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $6750.00 | $6750.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 845623 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.077500 | 0.077500 | No | TRUE | Fixed R30 | Fixed R30 | No | $- | $- | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 753 | 753 | No | 1.32 | 1.32 | No | TRUE | $5830.00 | $5830.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 273.65 | 273.65 | No | 09-Refinance No Cash Out | 09-Refinance No Cash Out | No | 6/5/2025 | 6/5/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $23200.00 | $23200.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 845624 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.074500 | 0.074500 | No | TRUE | Fixed R30 | Fixed R30 | No | $- | $- | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 799 | 799 | No | 1.46 | 1.46 | No | TRUE | $6320.00 | $6320.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 749.33 | 749.34 | No | 09-Refinance No Cash Out | 09-Refinance No Cash Out | No | 6/10/2025 | 6/10/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 321 | 41-3-2-1 | No | 36 | 36 | No | $12089.70 | $12089.70 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 845625 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.073250 | 0.073250 | No | TRUE | Fixed R30 | Fixed R30 | No | $228996.29 | $228996.29 | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 739 | 739 | No | 1.04 | 1.04 | No | TRUE | $5085.00 | $5085.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 327.92 | 327.93 | No | 03-Refinance Cash Out | 03-Refinance Cash Out | No | 6/10/2025 | 6/10/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $28275.00 | $28275.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 845626 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.066250 | 0.066250 | No | TRUE | 10/1 R30 | 10/1 R30 | No | $13463.59 | $13463.59 | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 764 | 764 | No | 1.25 | 1.25 | No | TRUE | $1530.00 | $1530.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 75.64 | 75.64 | No | 03-Refinance Cash Out | 03-Refinance Cash Out | No | 6/9/2025 | 6/9/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $7245.00 | $7245.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 845627 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.080000 | 0.080000 | No | TRUE | Fixed R30 | Fixed R30 | No | $- | $- | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 714 | 714 | No | 1.24 | 1.24 | No | TRUE | $1155.00 | $1155.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 100.25 | 100.25 | No | 09-Refinance No Cash Out | 09-Refinance No Cash Out | No | 6/12/2025 | 6/12/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $4600.00 | $4600.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 845628 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.072000 | 0.072000 | No | TRUE | Fixed R30 | Fixed R30 | No | $- | $- | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 728 | 728 | No | 1.48 | 1.48 | No | TRUE | $1260.00 | $1260.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 85.87 | 85.87 | No | 09-Refinance No Cash Out | 09-Refinance No Cash Out | No | 4/4/2025 | 4/4/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $4875.00 | $4875.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 845629 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.074500 | 0.074500 | No | TRUE | Fixed R30 | Fixed R30 | No | $125382.50 | $125382.50 | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 732 | 732 | No | 1.44 | 1.44 | No | TRUE | $3150.00 | $3150.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 148.58 | 148.58 | No | 03-Refinance Cash Out | 03-Refinance Cash Out | No | 4/15/2025 | 4/15/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $12562.50 | $12562.50 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 845630 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.077500 | 0.077500 | No | TRUE | 5/1 IO R30 | 5/1 IO R30 | No | $97443.55 | $97443.55 | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 715 | 715 | No | 1.25 | 1.25 | No | TRUE | $1200.00 | $1200.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 88.67 | 88.67 | No | 03-Refinance Cash Out | 03-Refinance Cash Out | No | 4/13/2025 | 4/13/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $5775.00 | $5775.00 | No | 0.18 | 18.00% | No | N | No | Yes | No | 60 | No |
| 845631 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.085500 | 0.085500 | No | TRUE | Fixed R30 | Fixed R30 | No | $468338.34 | $468338.34 | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 702 | 702 | No | 1.31 | 1.31 | No | TRUE | $7075.00 | $7075.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 618.75 | 618.75 | No | 03-Refinance Cash Out | 03-Refinance Cash Out | No | 4/24/2025 | 4/24/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 111 | 38 1%, 1%, 1% | No | 36 | 36 | No | $5242.50 | $5242.50 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 845632 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.072000 | 0.072000 | No | TRUE | Fixed R30 | Fixed R30 | No | $38784.83 | $38784.83 | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 671 | 671 | No | 1.38 | 1.38 | No | TRUE | $1425.00 | $1425.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 65.92 | 65.92 | No | 03-Refinance Cash Out | 03-Refinance Cash Out | No | 6/13/2025 | 6/13/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $6462.50 | $6462.50 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 845633 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.078000 | 0.078000 | No | TRUE | Fixed R30 | Fixed R30 | No | $267560.17 | $267560.17 | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 742 | 742 | No | 1.39 | 1.39 | No | TRUE | $3580.00 | $3580.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 132.33 | 132.33 | No | 03-Refinance Cash Out | 03-Refinance Cash Out | No | 6/6/2025 | 6/6/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $14437.50 | $14437.50 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 845634 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.075250 | 0.075250 | No | TRUE | 5/1 R30 | 5/1 R30 | No | $32444.85 | $32444.85 | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 810 | 810 | No | 1.02 | 1.02 | No | TRUE | $1850.00 | $1850.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 60.04 | 60.04 | No | 03-Refinance Cash Out | 03-Refinance Cash Out | No | 6/4/2025 | 6/4/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | No | No | No | No Prepayment | 0-No Prepay Penalty | No | 0 | 0 | No | $- | $- | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 845635 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.073500 | 0.073500 | No | TRUE | Fixed R30 | Fixed R30 | No | $43891.41 | $43891.41 | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 702 | 702 | No | 1.23 | 1.23 | No | TRUE | $1450.00 | $1450.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 143.25 | 143.25 | No | 03-Refinance Cash Out | 03-Refinance Cash Out | No | 6/4/2025 | 6/4/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $6405.00 | $6405.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 845636 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.074500 | 0.074500 | No | TRUE | Fixed R30 | Fixed R30 | No | $- | $- | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 798 | 798 | No | 1.22 | 1.22 | No | TRUE | $1147.50 | $1147.50 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 207.98 | 207.98 | No | 07-Purchase | 07-Purchase | No | 6/4/2025 | 6/4/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $4500.00 | $4500.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 845637 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.065000 | 0.065000 | No | TRUE | Fixed R30 | Fixed R30 | No | $- | $- | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 809 | 809 | No | 1.23 | 1.23 | No | TRUE | $1372.50 | $1372.50 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 48.42 | 48.42 | No | 07-Purchase | 07-Purchase | No | 6/19/2025 | 6/19/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $7350.00 | $7350.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 845638 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.071000 | 0.071000 | No | TRUE | Fixed R30 | Fixed R30 | No | $- | $- | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 812 | 812 | No | 1.36 | 1.36 | No | TRUE | $1710.00 | $1710.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 112.08 | 112.08 | No | 07-Purchase | 07-Purchase | No | 6/17/2025 | 6/17/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $7600.00 | $7600.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 845639 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.065000 | 0.065000 | No | TRUE | Fixed R30 | Fixed R30 | No | $98777.82 | $98777.82 | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 787 | 787 | No | 1.35 | 1.35 | No | TRUE | $1215.00 | $1215.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 65.83 | 65.83 | No | 03-Refinance Cash Out | 03-Refinance Cash Out | No | 6/22/2025 | 6/22/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $5500.00 | $5500.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 845640 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.065000 | 0.065000 | No | TRUE | 5/1 R30 | 5/1 R30 | No | $163997.03 | $163997.03 | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 781 | 781 | No | 1.21 | 1.21 | No | TRUE | $1800.00 | $1800.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 66.23 | 66.23 | No | 03-Refinance Cash Out | 03-Refinance Cash Out | No | 6/24/2025 | 6/24/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $9176.00 | $9176.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 845641 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.065000 | 0.065000 | No | TRUE | 10/1 R30 | 10/1 R30 | No | $- | $- | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 799 | 799 | No | 1.22 | 1.22 | No | TRUE | $1610.00 | $1610.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 93.33 | 93.33 | No | 07-Purchase | 07-Purchase | No | 5/1/2025 | 5/1/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $5700.00 | $5700.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 845642 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.078620 | 0.078620 | No | TRUE | Fixed R30 | Fixed R30 | No | $- | $- | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 732 | 732 | No | 1.42 | 1.42 | No | TRUE | $1350.00 | $1350.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 94.33 | 94.33 | No | 07-Purchase | 07-Purchase | No | 5/15/2025 | 5/15/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | No | No | No | No Prepayment | 0-No Prepay Penalty | No | 0 | 0 | No | $- | $- | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 845643 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.069750 | 0.069750 | No | TRUE | Fixed R30 | Fixed R30 | No | $212484.54 | $212484.54 | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 762 | 762 | No | 1.15 | 1.15 | No | TRUE | $2800.00 | $2800.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 183.92 | 183.92 | No | 03-Refinance Cash Out | 03-Refinance Cash Out | No | 5/20/2025 | 5/20/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $12075.00 | $12075.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 845644 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.066000 | 0.066000 | No | TRUE | Fixed R30 | Fixed R30 | No | $173974.19 | $173974.19 | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 762 | 762 | No | 1.28 | 1.28 | No | TRUE | $2500.00 | $2500.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 118.17 | 118.17 | No | 03-Refinance Cash Out | 03-Refinance Cash Out | No | 5/20/2025 | 5/20/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $9945.00 | $9945.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 845645 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.069750 | 0.069750 | No | TRUE | Fixed R30 | Fixed R30 | No | $- | $- | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 782 | 782 | No | 1.15 | 1.15 | No | TRUE | $2250.00 | $2250.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 88.08 | 88.08 | No | 09-Refinance No Cash Out | 09-Refinance No Cash Out | No | 5/14/2025 | 5/14/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $12487.50 | $12487.50 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 845646 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.066000 | 0.066000 | No | TRUE | Fixed R30 | Fixed R30 | No | $- | $- | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 783 | 783 | No | 1.22 | 1.22 | No | TRUE | $1485.00 | $1485.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 63 | 63 | No | 07-Purchase | 07-Purchase | No | 6/16/2025 | 6/16/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $7687.50 | $7687.50 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 845647 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.073500 | 0.073500 | No | TRUE | Fixed R30 | Fixed R30 | No | $126061.95 | $126061.95 | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 763 | 763 | No | 1.73 | 1.73 | No | TRUE | $2050.00 | $2050.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 98.33 | 98.33 | No | 03-Refinance Cash Out | 03-Refinance Cash Out | No | 6/17/2025 | 6/17/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $7012.50 | $7012.50 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 845648 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.073500 | 0.073500 | No | TRUE | Fixed R30 | Fixed R30 | No | $118248.47 | $118248.47 | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 763 | 763 | No | 1.43 | 1.43 | No | TRUE | $1549.00 | $1549.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 84.58 | 84.58 | No | 03-Refinance Cash Out | 03-Refinance Cash Out | No | 6/17/2025 | 6/17/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $6450.00 | $6450.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 845649 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.069750 | 0.069750 | No | TRUE | Fixed R30 | Fixed R30 | No | $- | $- | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 763 | 763 | No | 1.10 | 1.10 | No | TRUE | $2150.00 | $2150.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 76.25 | 76.25 | No | 09-Refinance No Cash Out | 09-Refinance No Cash Out | No | 6/16/2025 | 6/16/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $12250.00 | $12250.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 845650 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.073000 | 0.073000 | No | TRUE | Fixed R30 | Fixed R30 | No | $112413.43 | $112413.43 | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 697 | 697 | No | 1.20 | 1.20 | No | TRUE | $1300.00 | $1300.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 105.44 | 105.44 | No | 03-Refinance Cash Out | 03-Refinance Cash Out | No | 6/18/2025 | 6/18/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $6318.00 | $6318.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 845651 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.073500 | 0.073500 | No | TRUE | Fixed R30 | Fixed R30 | No | $123939.69 | $123939.69 | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 763 | 763 | No | 1.81 | 1.81 | No | TRUE | $2070.00 | $2070.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 94.5 | 94.5 | No | 03-Refinance Cash Out | 03-Refinance Cash Out | No | 6/17/2025 | 6/17/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $6750.00 | $6750.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 845652 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.073500 | 0.073500 | No | TRUE | Fixed R30 | Fixed R30 | No | $123178.26 | $123178.26 | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 763 | 763 | No | 1.80 | 1.80 | No | TRUE | $2050.00 | $2050.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 98.17 | 98.17 | No | 03-Refinance Cash Out | 03-Refinance Cash Out | No | 6/17/2025 | 6/17/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $6712.50 | $6712.50 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 845653 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.069750 | 0.069750 | No | TRUE | Fixed R30 | Fixed R30 | No | $12679.06 | $12679.06 | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 771 | 771 | No | 1.09 | 1.10 | No | TRUE | $2070.00 | $2070.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 122.53 | 122.53 | No | 03-Refinance Cash Out | 03-Refinance Cash Out | No | 6/24/2025 | 6/24/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $11454.00 | $11454.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 845654 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.066000 | 0.066000 | No | TRUE | Fixed R30 | Fixed R30 | No | $- | $- | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 757 | 757 | No | 1.26 | 1.26 | No | TRUE | $1375.00 | $1375.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 70.08 | 70.08 | No | 07-Purchase | 07-Purchase | No | 6/30/2025 | 6/30/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $6993.75 | $6993.75 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 845655 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.067500 | 0.067500 | No | TRUE | 5/1 R30 | 5/1 R30 | No | $- | $- | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 732 | 732 | No | 1.63 | 1.63 | No | TRUE | $3240.00 | $3240.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 211.47 | 211.47 | No | 07-Purchase | 07-Purchase | No | 7/7/2025 | 7/7/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $11025.00 | $11025.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 845656 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.071000 | 0.071000 | No | TRUE | Fixed R30 | Fixed R30 | No | $4310.09 | $4310.09 | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 666 | 666 | No | 1.80 | 1.80 | No | TRUE | $2430.00 | $2430.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 163.37 | 163.37 | No | 09-Refinance No Cash Out | 09-Refinance No Cash Out | No | 7/8/2025 | 7/8/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $7710.00 | $7710.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 845657 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.065000 | 0.065000 | No | TRUE | 10/1 R30 | 10/1 R30 | No | $- | $- | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 814 | 814 | No | 1.26 | 1.26 | No | TRUE | $1647.00 | $1647.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 75.94 | 75.94 | No | 07-Purchase | 07-Purchase | No | 7/3/2025 | 7/3/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $8175.00 | $8175.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 845658 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.078500 | 0.078500 | No | TRUE | Fixed R30 | Fixed R30 | No | $548609.47 | $548609.47 | No | Y | Y | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 737 | 737 | No | 1.30 | 1.30 | No | TRUE | $6466.62 | $6466.62 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 430.67 | 430.67 | No | 03-Refinance Cash Out | 03-Refinance Cash Out | No | 5/23/2025 | 5/23/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $29808.00 | $29808.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 845659 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.079000 | 0.079000 | No | TRUE | Fixed R30 | Fixed R30 | No | $4278.59 | $4278.59 | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 722 | 722 | No | 1.42 | 1.42 | No | TRUE | $1930.00 | $1930.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 235 | 235 | No | 09-Refinance No Cash Out | 09-Refinance No Cash Out | No | 5/27/2025 | 5/27/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $7313.00 | $7313.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 845660 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.074500 | 0.074500 | No | TRUE | Fixed R30 | Fixed R30 | No | $- | $- | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 665 | 665 | No | 1.66 | 1.66 | No | TRUE | $6200.00 | $6200.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 418.25 | 418.25 | No | 09-Refinance No Cash Out | 09-Refinance No Cash Out | No | 6/10/2025 | 6/10/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $22230.00 | $22230.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 845661 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.068160 | 0.068160 | No | TRUE | Fixed R30 | Fixed R30 | No | $- | $- | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 806 | 806 | No | 1.23 | 1.23 | No | TRUE | $27515.50 | $27515.50 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 1049.83 | 1049.84 | No | 07-Purchase | 07-Purchase | No | 6/19/2025 | 6/19/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $131625.00 | $131625.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 845662 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.078000 | 0.078000 | No | TRUE | Fixed R30 | Fixed R30 | No | $50924.63 | $50924.63 | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 669 | 669 | No | 1.46 | 1.46 | No | TRUE | $1225.00 | $1225.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 92.08 | 92.08 | No | 03-Refinance Cash Out | 03-Refinance Cash Out | No | 6/25/2025 | 6/25/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $4387.50 | $4387.50 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 845663 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.068000 | 0.068000 | No | TRUE | Fixed R30 | Fixed R30 | No | $- | $- | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 801 | 801 | No | 1.21 | 1.21 | No | TRUE | $3015.00 | $3015.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 234.63 | 234.63 | No | 07-Purchase | 07-Purchase | No | 6/24/2025 | 6/24/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $14081.25 | $14081.25 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 845664 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.076000 | 0.076000 | No | TRUE | Fixed R30 | Fixed R30 | No | $- | $- | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 731 | 731 | No | 1.22 | 1.22 | No | TRUE | $2850.00 | $2850.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 247.58 | 247.58 | No | 09-Refinance No Cash Out | 09-Refinance No Cash Out | No | 6/24/2025 | 6/24/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 111 | 98-Other | No | 36 | 36 | No | $2520.00 | $2520.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 845665 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.071330 | 0.071330 | No | TRUE | Fixed R30 | Fixed R30 | No | $326688.95 | $326688.95 | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 760 | 760 | No | 1.28 | 1.28 | No | TRUE | $4157.50 | $4157.50 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 204 | 204 | No | 03-Refinance Cash Out | 03-Refinance Cash Out | No | 6/30/2025 | 6/30/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 111 | 98-Other | No | 36 | 36 | No | $3765.00 | $3765.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 845666 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.076000 | 0.076000 | No | TRUE | Fixed R30 | Fixed R30 | No | $2122.77 | $2122.77 | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 757 | 757 | No | 1.25 | 1.25 | No | TRUE | $1300.00 | $1300.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 68.92 | 68.92 | No | 09-Refinance No Cash Out | 09-Refinance No Cash Out | No | 6/20/2025 | 6/20/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $6000.00 | $6000.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 845667 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.073500 | 0.073500 | No | TRUE | Fixed R30 | Fixed R30 | No | $10715.47 | $10715.47 | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 757 | 757 | No | 1.40 | 1.40 | No | TRUE | $1980.00 | $1980.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 86.75 | 86.75 | No | 03-Refinance Cash Out | 03-Refinance Cash Out | No | 6/20/2025 | 6/20/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $8325.00 | $8325.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 845668 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.069750 | 0.069750 | No | TRUE | Fixed R30 | Fixed R30 | No | $198337.97 | $198337.97 | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 758 | 758 | No | 1.01 | 1.01 | No | TRUE | $1802.50 | $1802.50 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 127.91 | 127.91 | No | 03-Refinance Cash Out | 03-Refinance Cash Out | No | 7/1/2025 | 7/1/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $11055.00 | $11055.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 845669 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.067250 | 0.067250 | No | TRUE | Fixed R30 | Fixed R30 | No | $173240.13 | $173240.13 | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 758 | 758 | No | 1.17 | 1.17 | No | TRUE | $1795.00 | $1795.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 116.87 | 116.87 | No | 03-Refinance Cash Out | 03-Refinance Cash Out | No | 7/1/2025 | 7/1/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $9587.50 | $9587.50 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 845670 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.069750 | 0.069750 | No | TRUE | Fixed R30 | Fixed R30 | No | $178292.74 | $178292.74 | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 758 | 758 | No | 1.02 | 1.02 | No | TRUE | $1695.00 | $1695.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 94.08 | 94.08 | No | 03-Refinance Cash Out | 03-Refinance Cash Out | No | 7/1/2025 | 7/1/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $9912.50 | $9912.50 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 845671 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.074330 | 0.074330 | No | TRUE | Fixed R30 | Fixed R30 | No | $106341.46 | $106341.46 | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 815 | 815 | No | 1.73 | 1.73 | No | TRUE | $1800.00 | $1800.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 75.17 | 75.17 | No | 03-Refinance Cash Out | 03-Refinance Cash Out | No | 6/27/2025 | 6/27/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $6000.00 | $6000.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 845672 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.066000 | 0.066000 | No | TRUE | Fixed R30 | Fixed R30 | No | $- | $- | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 806 | 806 | No | 1.21 | 1.21 | No | TRUE | $1242.00 | $1242.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 81.54 | 81.54 | No | 07-Purchase | 07-Purchase | No | 7/1/2025 | 7/1/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $6796.00 | $6796.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 845673 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.074500 | 0.074500 | No | TRUE | Fixed R30 | Fixed R30 | No | $114531.44 | $114531.44 | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 733 | 733 | No | 1.36 | 1.36 | No | TRUE | $1500.00 | $1500.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 79.08 | 79.08 | No | 03-Refinance Cash Out | 03-Refinance Cash Out | No | 7/1/2025 | 7/1/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $6300.00 | $6300.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 845674 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.072250 | 0.072250 | No | TRUE | Fixed R30 | Fixed R30 | No | $186851.30 | $186851.30 | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 758 | 758 | No | 1.09 | 1.09 | No | TRUE | $1895.00 | $1895.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 115.63 | 115.63 | No | 03-Refinance Cash Out | 03-Refinance Cash Out | No | 7/1/2025 | 7/1/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $10325.00 | $10325.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 845675 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.071000 | 0.071000 | No | TRUE | Fixed R30 | Fixed R30 | No | $158177.64 | $158177.64 | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 753 | 753 | No | 1.26 | 1.26 | No | TRUE | $2200.00 | $2200.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 165.48 | 165.48 | No | 03-Refinance Cash Out | 03-Refinance Cash Out | No | 7/1/2025 | 7/1/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $10687.50 | $10687.50 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 845676 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.065000 | 0.065000 | No | TRUE | Fixed R30 | Fixed R30 | No | $149826.96 | $149826.96 | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 804 | 804 | No | 1.56 | 1.56 | No | TRUE | $2000.00 | $2000.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 113.25 | 113.25 | No | 03-Refinance Cash Out | 03-Refinance Cash Out | No | 7/2/2025 | 7/2/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 5-5-4-4-3-2-1 | 98-Other | No | 84 | 84 | No | $8201.50 | $8201.50 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 845677 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.069500 | 0.069500 | No | TRUE | Fixed R30 | Fixed R30 | No | $92515.38 | $92515.38 | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 722 | 722 | No | 1.83 | 1.83 | No | TRUE | $1980.00 | $1980.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 86.6 | 86.6 | No | 03-Refinance Cash Out | 03-Refinance Cash Out | No | 7/9/2025 | 7/9/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $5225.00 | $5225.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 845678 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.071000 | 0.071000 | No | TRUE | Fixed R30 | Fixed R30 | No | $111109.16 | $111109.16 | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 761 | 761 | No | 1.59 | 1.59 | No | TRUE | $1500.00 | $1500.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 57.67 | 57.67 | No | 03-Refinance Cash Out | 03-Refinance Cash Out | No | 7/8/2025 | 7/8/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $6020.00 | $6020.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 845679 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.065000 | 0.065000 | No | TRUE | 10/1 R30 | 10/1 R30 | No | $- | $- | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 766 | 766 | No | 1.01 | 1.01 | No | TRUE | $2745.00 | $2745.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 74.47 | 74.47 | No | 09-Refinance No Cash Out | 09-Refinance No Cash Out | No | 4/29/2025 | 4/29/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 321 | 41-3-2-1 | No | 36 | 36 | No | $10500.00 | $10500.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 845680 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.069000 | 0.069000 | No | TRUE | Fixed R30 | Fixed R30 | No | $16261.52 | $16261.52 | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 801 | 801 | No | 1.25 | 1.25 | No | TRUE | $1237.50 | $1237.50 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 79.75 | 79.75 | No | 03-Refinance Cash Out | 03-Refinance Cash Out | No | 6/5/2025 | 6/5/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 321 | 41-3-2-1 | No | 36 | 36 | No | $3118.50 | $3118.50 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 845681 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.079500 | 0.079500 | No | TRUE | 5/1 IO R30 | 5/1 IO R30 | No | $41023.63 | $41023.63 | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 700 | 700 | No | 1.21 | 1.21 | No | TRUE | $1425.00 | $1425.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 60.92 | 60.92 | No | 03-Refinance Cash Out | 03-Refinance Cash Out | No | 7/9/2025 | 7/9/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $5678.00 | $5678.00 | No | 0.18 | 18.00% | No | N | No | Yes | No | 60 | No |
| 845682 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.068500 | 0.068500 | No | TRUE | Fixed R30 | Fixed R30 | No | $113142.92 | $113142.92 | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 762 | 762 | No | 1.26 | 1.26 | No | TRUE | $2900.00 | $2900.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 156.81 | 156.81 | No | 03-Refinance Cash Out | 03-Refinance Cash Out | No | 5/19/2025 | 5/19/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $11655.00 | $11655.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 845683 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.067250 | 0.067250 | No | TRUE | Fixed R30 | Fixed R30 | No | $- | $- | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 769 | 769 | No | 1.00 | 1.00 | No | TRUE | $1595.00 | $1595.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 75.33 | 75.33 | No | 09-Refinance No Cash Out | 09-Refinance No Cash Out | No | 5/19/2025 | 5/19/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $9135.00 | $9135.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 845684 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.069750 | 0.069750 | No | TRUE | Fixed R30 | Fixed R30 | No | $- | $- | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 763 | 763 | No | 1.01 | 1.01 | No | TRUE | $1650.00 | $1650.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 87 | 87 | No | 09-Refinance No Cash Out | 09-Refinance No Cash Out | No | 6/17/2025 | 6/17/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $10117.50 | $10117.50 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 845685 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.066250 | 0.066250 | No | TRUE | Fixed R30 | Fixed R30 | No | $380711.54 | $380711.54 | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 764 | 764 | No | 1.04 | 1.04 | No | TRUE | $3025.00 | $3025.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 85.49 | 85.49 | No | 03-Refinance Cash Out | 03-Refinance Cash Out | No | 6/30/2025 | 6/30/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $20250.00 | $20250.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 845686 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.069900 | 0.069900 | No | TRUE | 5/1 R30 | 5/1 R30 | No | $269953.22 | $269953.22 | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 690 | 690 | No | 1.30 | 1.30 | No | TRUE | $3200.00 | $3200.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 251.41 | 251.41 | No | 03-Refinance Cash Out | 03-Refinance Cash Out | No | 6/17/2025 | 6/17/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $14962.50 | $14962.50 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 845687 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.065000 | 0.065000 | No | TRUE | Fixed R30 | Fixed R30 | No | $- | $- | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 797 | 797 | No | 1.05 | 1.05 | No | TRUE | $1890.00 | $1890.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 59.25 | 59.25 | No | 07-Purchase | 07-Purchase | No | 6/17/2025 | 6/17/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $10850.00 | $10850.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 845688 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.066750 | 0.066750 | No | TRUE | Fixed R30 | Fixed R30 | No | $23376.28 | $23376.28 | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 684 | 684 | No | 1.20 | 1.20 | No | TRUE | $1170.00 | $1170.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 87.67 | 87.67 | No | 03-Refinance Cash Out | 03-Refinance Cash Out | No | 7/1/2025 | 7/1/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $6510.00 | $6510.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 845689 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.065000 | 0.065000 | No | TRUE | Fixed R30 | Fixed R30 | No | $32409.28 | $32409.28 | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 684 | 684 | No | 1.29 | 1.29 | No | TRUE | $1350.00 | $1350.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 76.08 | 76.08 | No | 03-Refinance Cash Out | 03-Refinance Cash Out | No | 7/1/2025 | 7/1/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $7150.00 | $7150.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 845690 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.067500 | 0.067500 | No | TRUE | 10/1 R30 | 10/1 R30 | No | $- | $- | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 757 | 757 | No | 1.43 | 1.43 | No | TRUE | $1552.50 | $1552.50 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 67.42 | 67.42 | No | 07-Purchase | 07-Purchase | No | 6/26/2025 | 6/26/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $6750.00 | $6750.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 845691 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.083500 | 0.083500 | No | TRUE | 5/1 R30 | 5/1 R30 | No | $18780.63 | $18780.63 | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 738 | 738 | No | 2.35 | 2.35 | No | TRUE | $1600.00 | $1600.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 46.83 | 46.83 | No | 03-Refinance Cash Out | 03-Refinance Cash Out | No | 7/16/2025 | 7/16/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | No | No | No | No Prepayment | 0-No Prepay Penalty | No | 0 | 0 | No | $- | $- | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 845692 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.087000 | 0.087000 | No | TRUE | Fixed R30 | Fixed R30 | No | $- | $- | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 708 | 708 | No | 1.75 | 1.75 | No | TRUE | $1300.00 | $1300.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 67.08 | 67.08 | No | 09-Refinance No Cash Out | 09-Refinance No Cash Out | No | 7/18/2025 | 7/18/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | No | No | No | No Prepayment | 0-No Prepay Penalty | No | 0 | 0 | No | $- | $- | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 845693 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.074000 | 0.074000 | No | TRUE | 5/1 R30 | 5/1 R30 | No | $- | $- | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 758 | 758 | No | 1.27 | 1.27 | No | TRUE | $12342.00 | $12342.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 620.89 | 620.89 | No | 09-Refinance No Cash Out | 09-Refinance No Cash Out | No | 6/19/2025 | 6/19/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $50062.50 | $50062.50 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 845694 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.074500 | 0.074500 | No | TRUE | Fixed R30 | Fixed R30 | No | $- | $- | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 802 | 802 | No | 1.78 | 1.78 | No | TRUE | $4320.00 | $4320.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 135.24 | 135.24 | No | 07-Purchase | 07-Purchase | No | 7/9/2025 | 7/9/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 5-5-4-4-3-2-1 | 98-Other | No | 84 | 84 | No | $15200.00 | $15200.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 845695 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.075000 | 0.075000 | No | TRUE | Fixed R30 | Fixed R30 | No | $- | $- | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 748 | 748 | No | 1.46 | 1.46 | No | TRUE | $2182.50 | $2182.50 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 149.43 | 149.43 | No | 07-Purchase | 07-Purchase | No | 6/26/2025 | 6/26/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $8437.50 | $8437.50 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 845696 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.073000 | 0.073000 | No | TRUE | Fixed R30 | Fixed R30 | No | $9208.74 | $9208.74 | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 706 | 706 | No | 1.17 | 1.17 | No | TRUE | $1770.00 | $1770.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 129.33 | 129.33 | No | 03-Refinance Cash Out | 03-Refinance Cash Out | No | 7/8/2025 | 7/8/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $9030.00 | $9030.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 845697 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.065000 | 0.065000 | No | TRUE | 10/1 R30 | 10/1 R30 | No | $- | $- | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 791 | 791 | No | 1.12 | 1.12 | No | TRUE | $2475.00 | $2475.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 114.75 | 114.75 | No | 07-Purchase | 07-Purchase | No | 6/28/2025 | 6/28/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $10312.50 | $10312.50 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 845698 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.082500 | 0.082500 | No | TRUE | Fixed R30 | Fixed R30 | No | $2367.65 | $2367.65 | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 708 | 708 | No | 1.24 | 1.24 | No | TRUE | $1150.00 | $1150.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 66.83 | 66.83 | No | 03-Refinance Cash Out | 03-Refinance Cash Out | No | 7/14/2025 | 7/14/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | No | No | No | No Prepayment | 0-No Prepay Penalty | No | 0 | 0 | No | $- | $- | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 845699 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.065000 | 0.065000 | No | TRUE | 10/1 R30 | 10/1 R30 | No | $332539.48 | $332539.48 | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 793 | 793 | No | 1.01 | 1.01 | No | TRUE | $3150.00 | $3150.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 138 | 138 | No | 03-Refinance Cash Out | 03-Refinance Cash Out | No | 7/10/2025 | 7/10/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $18437.50 | $18437.50 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 845700 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.077000 | 0.077000 | No | TRUE | Fixed R30 | Fixed R30 | No | $68204.46 | $68204.46 | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 689 | 689 | No | 1.26 | 1.26 | No | TRUE | $1095.00 | $1095.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 74.08 | 74.08 | No | 03-Refinance Cash Out | 03-Refinance Cash Out | No | 7/11/2025 | 7/11/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $3920.00 | $3920.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 845701 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.071330 | 0.071330 | No | TRUE | Fixed R30 | Fixed R30 | No | $- | $- | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 765 | 765 | No | 1.51 | 1.51 | No | TRUE | $1260.00 | $1260.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 66.25 | 66.25 | No | 07-Purchase | 07-Purchase | No | 7/2/2025 | 7/2/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $5025.00 | $5025.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 845702 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.072500 | 0.072500 | No | TRUE | Fixed R30 | Fixed R30 | No | $- | $- | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 788 | 788 | No | 1.28 | 1.28 | No | TRUE | $1732.50 | $1732.50 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 101.92 | 101.9166667 | No | 07-Purchase | 07-Purchase | No | 7/8/2025 | 7/8/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $7200.00 | $7200.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 845703 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.067000 | 0.067000 | No | TRUE | Fixed R30 | Fixed R30 | No | $12245.02 | $12245.02 | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 808 | 808 | No | 1.73 | 1.73 | No | TRUE | $7275.00 | $7275.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 184.25 | 184.25 | No | 09-Refinance No Cash Out | 09-Refinance No Cash Out | No | 7/10/2025 | 7/10/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 321 | 41-3-2-1 | No | 36 | 36 | No | $14407.20 | $14407.20 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |
| 845704 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | xxxxxx | No |  | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 0.075500 | 0.075500 | No | TRUE | Fixed R30 | Fixed R30 | No | $- | $- | No | N | N | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 360 | 360 | No | 755 | 755 | No | 1.20 | 1.20 | No | TRUE | $5200.00 | $5200.00 | No | xxxxxx | xxxxxx | No | xxxxxx | xxxxxx | No | 225.58 | 225.5833333 | No | 07-Purchase | 07-Purchase | No | 7/15/2025 | 7/15/2025 | No | xxxxxx | xxxxxx | No |  |  |  |  | No | No | No | Y | Y | No | Yes | Yes | No | 54321 | 50-5-4-3-2-1 | No | 60 | 60 | No | $26000.00 | $26000.00 | No | 0.18 | 18.00% | No | N | No | No | No |  | No |

---

## Exhibit 99.37

**EXHIBIT 99.37**

**Consolidated Analytics Grading Summary Report**

---

| | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Seller Loan ID** | **Deal 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** |
| 841433 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 841434 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 841435 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 841436 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 841437 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 841438 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 841439 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 841440 | xxxxxx | xxxxxx |  | 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 |
| 841441 | xxxxxx | xxxxxx |  | xxxxxx C | N/A | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A | N/A B |
| 841442 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 841443 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 841444 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 841446 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 841447 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 841448 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 841449 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 841450 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 841451 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 841452 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 841453 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 841454 | xxxxxx | xxxxxx |  | 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 |
| 841455 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 841456 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 841457 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 841458 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 841459 | xxxxxx | xxxxxx |  | xxxxxx D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 841460 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 841461 | xxxxxx | xxxxxx |  | xxxxxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 841462 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 841463 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 841464 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 841465 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 841466 | xxxxxx | xxxxxx |  | 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 |
| 841467 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 841468 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 841469 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 841470 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 841471 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 841472 | xxxxxx | xxxxxx |  | xxxxxx D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 841473 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 841474 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 841475 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 841476 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 841477 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 841478 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 841479 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 841480 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 841481 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 841482 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 841483 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A B |
| 841484 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 841485 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 841486 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 841487 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 841488 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 841489 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 841490 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 841491 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 841492 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 841493 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 841494 | xxxxxx | xxxxxx |  | xxxxxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 841495 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 841496 | xxxxxx | xxxxxx |  | xxxxxx D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 841497 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 841498 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 841499 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 841500 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 841501 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 841502 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 841503 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 841504 | xxxxxx | xxxxxx |  | xxxxxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 841505 | xxxxxx | xxxxxx |  | xxxxxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 841506 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 841507 | xxxxxx | xxxxxx |  | xxxxxx D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 841508 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 841509 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 841510 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 841511 | xxxxxx | xxxxxx |  | 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 |
| 841512 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 841513 | xxxxxx | xxxxxx |  | xxxxxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 841514 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 841515 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 841516 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 841517 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 841518 | xxxxxx | xxxxxx |  | xxxxxx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 841519 | xxxxxx | xxxxxx |  | xxxxxx D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 841520 | xxxxxx | xxxxxx |  | xxxxxx D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 841521 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 841522 | xxxxxx | xxxxxx |  | xxxxxx D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 841523 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 841524 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 841525 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 841526 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 841595 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 841596 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 841597 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 841598 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 845608 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 845609 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 845610 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 845611 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 845612 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 845613 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 845614 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 845615 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 845616 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 845617 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 845618 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 845619 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 845620 | xxxxxx | xxxxxx |  | xxxxxx C | N/A | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A | N/A B |
| 845621 | xxxxxx | xxxxxx |  | 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 |
| 845622 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 845623 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 845624 | xxxxxx | xxxxxx |  | 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 |
| 845625 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 845626 | xxxxxx | xxxxxx |  | xxxxxx D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 845627 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 845628 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 845629 | xxxxxx | xxxxxx |  | xxxxxx C | N/A | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A | N/A B |
| 845630 | xxxxxx | xxxxxx |  | xxxxxx C | N/A | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A | N/A B |
| 845631 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 845632 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 845633 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 845634 | xxxxxx | xxxxxx |  | xxxxxx D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 845635 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 845636 | xxxxxx | xxxxxx |  | xxxxxx C | N/A | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A | N/A B |
| 845637 | xxxxxx | xxxxxx |  | xxxxxx D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 845638 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 845639 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A B |
| 845640 | xxxxxx | xxxxxx |  | xxxxxx C | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 845641 | xxxxxx | xxxxxx |  | xxxxxx D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 845642 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 845643 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 845644 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 845645 | xxxxxx | xxxxxx |  | xxxxxx C | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 845646 | xxxxxx | xxxxxx |  | xxxxxx C | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 845647 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 845648 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 845649 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 845650 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 845651 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 845652 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 845653 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A B |
| 845654 | xxxxxx | xxxxxx |  | xxxxxx D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 845655 | xxxxxx | xxxxxx |  | xxxxxx D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 845656 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 845657 | xxxxxx | xxxxxx |  | xxxxxx C | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 845658 | xxxxxx | xxxxxx |  | 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 |
| 845659 | xxxxxx | xxxxxx |  | xxxxxx D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 845660 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 845661 | xxxxxx | xxxxxx |  | xxxxxx D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 845662 | xxxxxx | xxxxxx |  | xxxxxx C | N/A | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A | N/A B |
| 845663 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 845664 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 845665 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 845666 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 845667 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 845668 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 845669 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 845670 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 845671 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 845672 | xxxxxx | xxxxxx |  | xxxxxx D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 845673 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 845674 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 845675 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 845676 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 845677 | xxxxxx | xxxxxx |  | xxxxxx C | N/A | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A | N/A B |
| 845678 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 845679 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 845680 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 845681 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 845682 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 845683 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 845684 | xxxxxx | xxxxxx |  | xxxxxx C | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 845685 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 845686 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 845687 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 845688 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 845689 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 845690 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 845691 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 845692 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 845693 | xxxxxx | xxxxxx |  | xxxxxx C | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 845694 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 845695 | xxxxxx | xxxxxx |  | xxxxxx C | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 845696 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 845697 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 845698 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 845699 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 845700 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 845701 | xxxxxx | xxxxxx |  | xxxxxx D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 845702 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 845703 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 845704 | xxxxxx | xxxxxx |  | xxxxxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |

---

## Exhibit 99.38

**EXHIBIT 99.38**

**Consolidated Analytics ATR QM Report**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Key** | **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 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?** |
| 841433 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 7.20 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen | U.S. Citizen | Yes | Yes |
| 841434 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 7.45 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen | U.S. Citizen | Yes | Yes |
| 841435 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 7.85 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen | U.S. Citizen | Yes | Yes |
| 841436 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 7.45 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen | U.S. Citizen | Yes | Yes |
| 841437 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | No | No | No | No |  |  | 8.10 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen | Perm Res Alien | Yes | Yes |
| 841438 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 7.30 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen | U.S. Citizen | Yes | Yes |
| 841439 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 7.35 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen | U.S. Citizen | Yes | Yes |
| 841440 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 7.55 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 841441 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 6.70 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen | U.S. Citizen | Yes | Yes |
| 841442 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 7.53 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen | U.S. Citizen | Yes | Yes |
| 841443 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 7.65 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen | U.S. Citizen | Yes | Yes |
| 841444 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | Yes | Yes | No | No | No |  |  | 9.05 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 841446 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 7.90 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 841447 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 8.10 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen | U.S. Citizen | Yes | Yes |
| 841448 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 8.25 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen | U.S. Citizen | Yes | Yes |
| 841449 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 7.30 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 841450 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 7.30 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 841451 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 7.30 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 841452 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 8.73 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 841453 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 8.00 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 841454 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 7.85 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 841455 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 7.55 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen | U.S. Citizen | Yes | Yes |
| 841456 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 7.15 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 841457 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 6.70 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 841458 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 7.70 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 841459 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 7.50 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 841460 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 7.30 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 841461 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 7.00 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 841462 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | No | No | No | No |  |  | 8.50 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen | U.S. Citizen | Yes | Yes |
| 841463 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 7.20 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 841464 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | No | No | No | No |  |  | 8.15 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen | U.S. Citizen | Yes | Yes |
| 841465 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | Yes | Yes | No | No | No |  |  | 7.20 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 841466 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | Yes | Yes | No | No | No |  |  | 7.20 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 841467 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 7.30 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 841468 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | Yes | Yes | No | No | No |  |  | 7.35 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 841469 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 6.70 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 841470 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | No | No | No | No |  |  | 8.15 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 841471 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 6.80 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen | U.S. Citizen | Yes | Yes |
| 841472 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 7.20 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 841473 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 7.55 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 841474 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 8.00 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen | U.S. Citizen | Yes | Yes |
| 841475 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | No | No | No | No |  |  | 8.25 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen | U.S. Citizen | Yes | Yes |
| 841476 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 7.95 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 841477 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 7.28 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 841478 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 7.43 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 841479 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 7.43 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 841480 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 7.43 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 841481 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 7.43 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 841482 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 7.33 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 841483 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 7.55 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 841484 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | No | No | No | No |  |  | 8.25 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen | U.S. Citizen | Yes | Yes |
| 841485 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 7.05 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 841486 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | No | No | No | No |  |  | 8.45 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | xxxxxx | xxxxxx | Yes | Yes |
| 841487 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 7.55 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 841488 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 7.55 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 841489 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 7.55 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 841490 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 7.55 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 841491 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 7.95 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 841492 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 7.75 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 841493 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 7.65 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 841494 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 7.95 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 841495 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 7.55 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 841496 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | No | No | No | No |  |  | 8.00 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 841497 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | No | No | No | No |  |  | 8.35 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 841498 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 6.70 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen | U.S. Citizen | Yes | Yes |
| 841499 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 6.70 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 841500 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 6.70 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 841501 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 7.25 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen | U.S. Citizen | Yes | Yes |
| 841502 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 7.85 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 841503 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 6.70 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | xxxxxx | U.S. Citizen | Yes | Yes |
| 841504 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 7.03 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 841505 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 8.50 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 841506 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 6.70 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 841507 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 7.75 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 841508 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 6.94 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 841509 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 6.94 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 841510 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 7.75 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 841511 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 8.45 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 841512 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 8.35 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 841513 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 7.55 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 841514 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 7.25 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 841515 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | No | No | No | No |  |  | 7.80 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen | U.S. Citizen | Yes | Yes |
| 841516 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 6.70 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 841517 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 7.85 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 841518 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 6.70 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 841519 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | No | No | No | No |  |  | 7.30 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 841520 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 6.70 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 841521 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | Yes | No | No | No | No |  |  | 7.15 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen | U.S. Citizen | Yes | Yes |
| 841522 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 7.70 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen | Perm Res Alien | Yes | Yes |
| 841523 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | No | No | No | No |  |  | 8.29 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 841524 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 7.35 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen | U.S. Citizen | Yes | Yes |
| 841525 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 7.90 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 841526 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 6.70 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 841595 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | No | No | No | No |  |  | 8.40 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 841596 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 7.60 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 841597 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 7.60 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 841598 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | No | No | No | No |  |  | 8.40 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 845608 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 8.25 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 845609 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 7.45 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 845610 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 7.45 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen | U.S. Citizen | Yes | Yes |
| 845611 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 8.35 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 845612 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 8.35 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 845613 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 8.35 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 845614 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 8.35 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 845615 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 8.35 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 845616 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 6.60 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 845617 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 6.50 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen | U.S. Citizen | Yes | Yes |
| 845618 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 6.50 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 845619 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 6.50 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 845620 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 7.60 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen | U.S. Citizen | Yes | Yes |
| 845621 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 7.10 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 845622 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 6.70 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 845623 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 7.75 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 845624 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 7.45 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen | U.S. Citizen | Yes | Yes |
| 845625 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 7.33 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen | U.S. Citizen | Yes | Yes |
| 845626 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 6.63 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen | U.S. Citizen | Yes | Yes |
| 845627 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 8.00 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 845628 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 7.20 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 845629 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 7.45 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen | U.S. Citizen | Yes | Yes |
| 845630 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | Yes | Yes | No | No | No |  |  | 7.75 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 845631 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 8.55 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 845632 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 7.20 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 845633 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 7.80 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 845634 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | No | No | No | No |  |  | 7.53 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 845635 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 7.35 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 845636 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 7.45 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen | U.S. Citizen | Yes | Yes |
| 845637 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 6.50 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 845638 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 7.10 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 845639 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 6.50 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 845640 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 6.50 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 845641 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 6.50 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 845642 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | No | No | No | No |  |  | 7.86 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 845643 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 6.98 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen | U.S. Citizen | Yes | Yes |
| 845644 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 6.60 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen | U.S. Citizen | Yes | Yes |
| 845645 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 6.98 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen | U.S. Citizen | Yes | Yes |
| 845646 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 6.60 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen | U.S. Citizen | Yes | Yes |
| 845647 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 7.35 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 845648 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 7.35 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 845649 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 6.98 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 845650 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 7.30 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 845651 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 7.35 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 845652 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 7.35 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 845653 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 6.98 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 845654 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 6.60 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen | U.S. Citizen | Yes | Yes |
| 845655 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 6.75 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 845656 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 7.10 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 845657 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 6.50 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 845658 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 7.85 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 845659 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 7.90 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 845660 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 7.45 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 845661 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 6.82 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen | U.S. Citizen | Yes | Yes |
| 845662 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 7.80 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 845663 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 6.80 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen | U.S. Citizen | Yes | Yes |
| 845664 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 7.60 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen | U.S. Citizen | Yes | Yes |
| 845665 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 7.13 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 845666 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 7.60 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 845667 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 7.35 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 845668 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 6.98 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen | U.S. Citizen | Yes | Yes |
| 845669 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 6.73 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen | U.S. Citizen | Yes | Yes |
| 845670 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 6.98 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen | U.S. Citizen | Yes | Yes |
| 845671 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 7.43 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen | U.S. Citizen | Yes | Yes |
| 845672 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 6.60 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 845673 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 7.45 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 845674 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 7.23 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen | U.S. Citizen | Yes | Yes |
| 845675 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 7.10 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 845676 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 6.50 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 845677 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 6.95 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 845678 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 7.10 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 845679 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 6.50 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 845680 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 6.90 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen | U.S. Citizen | Yes | Yes |
| 845681 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | Yes | Yes | No | No | No |  |  | 7.95 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 845682 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 6.73 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen | U.S. Citizen | Yes | Yes |
| 845683 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 6.98 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 845684 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 6.63 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 845685 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 6.99 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen | U.S. Citizen | Yes | Yes |
| 845686 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 6.50 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 845687 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 6.68 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 845688 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 6.50 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen | U.S. Citizen | Yes | Yes |
| 845689 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 6.75 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen | U.S. Citizen | Yes | Yes |
| 845690 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 8.35 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 845691 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | No | No | No | No |  |  | 8.70 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 845692 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | No | No | No | No |  |  | 7.40 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen | Foreign National | Yes | Yes |
| 845693 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 7.45 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 845694 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 7.50 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 845695 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 7.30 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 845696 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 6.50 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 845697 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 8.25 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen | U.S. Citizen | Yes | Yes |
| 845698 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | No | No | No | No |  |  | 6.50 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen | Foreign National | Yes | Yes |
| 845699 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 7.70 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen | U.S. Citizen | Yes | Yes |
| 845700 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 7.13 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 845701 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 7.25 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen | U.S. Citizen | Yes | Yes |
| 845702 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 6.70 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |
| 845703 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 7.55 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen | U.S. Citizen | Yes | Yes |
| 845704 |  | xxxxxx |  |  | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | N/A | No | No |  | No | Yes | No | No | No |  |  | 6.60 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  | U.S. Citizen |  | Yes | Yes |

---

## Exhibit 99.39

**EXHIBIT 99.39**

**Consolidated Analytics Valuations Summary Report**

**Valuation Report**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** |  |  |  |  |
| **Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **LTV** | **Value used for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Appraised Value** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraisal Valuation Type** | **Appraisal Company** | **Appraisal Confidence 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 Confidence 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** | **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** | **Scope** |
| 841433 | xxxxxx | xxxxxx | xxxxxx |  | 68.50% | xxxxxx | $0.00 | 0.000% | xxxxxx | 11/26/2024 | 11/26/2024 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 2/3/2025 | 2/3/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841434 | xxxxxx | xxxxxx | xxxxxx |  | 70.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 01/16/2025 | 01/16/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 2/16/2025 | 2/16/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841435 | xxxxxx | xxxxxx | xxxxxx |  | 75.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 01/16/2025 | 01/16/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 2/15/2025 | 2/15/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841436 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 02/12/2025 | 02/12/2025 | URAR Form 1025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 2/12/2025 | 2/12/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841437 | xxxxxx | xxxxxx | xxxxxx |  | 58.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 02/12/2025 | 02/12/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -7.91% | xxxxxx |  | 3/14/2025 | 3/14/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841438 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 02/25/2025 | 02/25/2025 | URAR Form 1025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 3/24/2025 | 3/24/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841439 | xxxxxx | xxxxxx | xxxxxx |  | 65.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 02/18/2025 | 02/18/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 4/2/2025 | 4/2/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841440 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.00% | xxxxxx | xxxxxx | 5.385% | xxxxxx | Multi-Prop x3 | Multi-Prop x3 | URAR Form 1025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | Multi-Prop x3 | Multi-Prop x3 | xxxxxx |  | 3/14/2025 | 3/14/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841441 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.00% | xxxxxx | xxxxxx | 10.000% | xxxxxx | 03/14/2025 | 03/14/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 4/4/2025 | 4/4/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841442 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/18/2025 | 03/18/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 3/18/2025 | 3/18/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841443 | xxxxxx | xxxxxx | xxxxxx |  | 59.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 01/22/2025 | 01/22/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 4/24/2025 | 4/24/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841444 | xxxxxx | xxxxxx | xxxxxx |  | 70.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 02/25/2025 | 02/25/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 5/2/2025 | 5/2/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841446 | xxxxxx | xxxxxx | xxxxxx |  | 70.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/04/2025 | 04/04/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 7/1/2025 | 7/1/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841447 | xxxxxx | xxxxxx | xxxxxx |  | 75.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/27/2025 | 03/27/2025 | URAR Form 1025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -6.54% | xxxxxx |  | 5/21/2025 | 5/21/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841448 | xxxxxx | xxxxxx | xxxxxx |  | 75.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/18/2025 | 03/18/2025 | URAR Form 1025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 5/15/2025 | 5/15/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841449 | xxxxxx | xxxxxx | xxxxxx |  | 70.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/11/2025 | 04/11/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 5/15/2025 | 5/15/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841450 | xxxxxx | xxxxxx | xxxxxx |  | 70.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/22/2025 | 04/22/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 5/15/2025 | 5/15/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841451 | xxxxxx | xxxxxx | xxxxxx |  | 70.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/16/2025 | 04/16/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 5/16/2025 | 5/16/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841452 | xxxxxx | xxxxxx | xxxxxx |  | 73.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | Multi-Prop x3 | Multi-Prop x3 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | Multi-Prop x3 | Multi-Prop x3 | xxxxxx |  | 5/15/2025 | 5/15/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841453 | xxxxxx | xxxxxx | xxxxxx |  | 75.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/11/2025 | 04/11/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 5/19/2025 | 5/19/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841454 | xxxxxx | xxxxxx | xxxxxx |  | 65.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/13/2025 | 04/13/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | 1.60% | xxxxxx |  | 5/20/2025 | 5/20/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841455 | xxxxxx | xxxxxx | xxxxxx |  | 70.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/14/2025 | 04/14/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 5/19/2025 | 5/19/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841456 | xxxxxx | xxxxxx | xxxxxx |  | 38.50% | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/23/2025 | 04/23/2025 | URAR Form 1025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 5/19/2025 | 5/19/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841457 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 55.00% | xxxxxx | xxxxxx | 0.885% | xxxxxx | 04/16/2025 | 04/16/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 5/21/2025 | 5/21/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841458 | xxxxxx | xxxxxx | xxxxxx |  | 75.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/30/2025 | 04/30/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 5/16/2025 | 5/16/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841459 | xxxxxx | xxxxxx | xxxxxx |  | 64.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/23/2025 | 04/23/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 5/19/2025 | 5/19/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841460 | xxxxxx | xxxxxx | xxxxxx |  | 47.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/21/2025 | 04/21/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 5/20/2025 | 5/20/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841461 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 58.00% | xxxxxx | xxxxxx | 2.018% | xxxxxx | Multi-Prop x 2 | Multi-Prop x 2 | Fannie Mae Form 1073 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | Multi-Prop x 2 | Multi-Prop x 2 | xxxxxx |  | 5/15/2025 | 5/15/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841462 | xxxxxx | xxxxxx | xxxxxx |  | 74.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/28/2025 | 04/28/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 5/16/2025 | 5/16/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841463 | xxxxxx | xxxxxx | xxxxxx |  | 69.50% | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/28/2025 | 04/28/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 5/16/2025 | 5/16/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841464 | xxxxxx | xxxxxx | xxxxxx |  | 68.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/21/2025 | 03/21/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 5/30/2025 | 5/30/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841465 | xxxxxx | xxxxxx | xxxxxx |  | 70.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/25/2025 | 03/25/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 5/22/2025 | 5/22/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841466 | xxxxxx | xxxxxx | xxxxxx |  | 70.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/25/2025 | 03/25/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 5/19/2025 | 5/19/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841467 | xxxxxx | xxxxxx | xxxxxx |  | 66.75% | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/26/2025 | 03/26/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -0.90% | xxxxxx |  | 5/21/2025 | 5/21/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841468 | xxxxxx | xxxxxx | xxxxxx |  | 50.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/16/2025 | 04/16/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 5/21/2025 | 5/21/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841469 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 74.00% | xxxxxx | xxxxxx | 5.191% | xxxxxx | 04/23/2025 | 04/23/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 5/21/2025 | 5/21/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841470 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.00% | xxxxxx | xxxxxx | 12.500% | xxxxxx | 04/24/2025 | 04/24/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 5/20/2025 | 5/20/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841471 | xxxxxx | xxxxxx | xxxxxx |  | 63.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/01/2025 | 05/01/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -7.86% | xxxxxx |  | 7/8/2025 | 7/8/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841472 | xxxxxx | xxxxxx | xxxxxx |  | 63.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/06/2025 | 05/06/2025 | Fannie Mae Form 1073 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 5/23/2025 | 5/23/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841473 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.00% | xxxxxx | xxxxxx | 1.481% | xxxxxx | 04/30/2025 | 04/30/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 5/21/2025 | 5/21/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841474 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.00% | xxxxxx | xxxxxx | 4.000% | xxxxxx | 03/07/2025 | 03/07/2025 | URAR Form 1025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 5/30/2025 | 5/30/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841475 | xxxxxx | xxxxxx | xxxxxx |  | 70.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/02/2025 | 04/02/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 6/2/2025 | 6/2/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841476 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/23/2025 | 04/23/2025 | URAR Form 1025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 6/2/2025 | 6/2/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841477 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.00% | xxxxxx | xxxxxx | 4.048% | xxxxxx | 04/03/2025 | 04/03/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 5/30/2025 | 5/30/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841478 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.00% | xxxxxx | xxxxxx | 4.882% | xxxxxx | 04/03/2025 | 04/03/2025 | URAR Form 1025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -0.34% | xxxxxx |  | 4/7/2025 | 4/7/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841479 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.00% | xxxxxx | xxxxxx | 13.095% | xxxxxx | 04/03/2025 | 04/03/2025 | URAR Form 1025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 6/4/2025 | 6/4/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841480 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.00% | xxxxxx | xxxxxx | 6.667% | xxxxxx | 04/03/2025 | 04/03/2025 | URAR Form 1025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 5/30/2025 | 5/30/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841481 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.00% | xxxxxx | xxxxxx | 19.512% | xxxxxx | 04/03/2025 | 04/03/2025 | URAR Form 1025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 6/4/2025 | 6/4/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841482 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60.00% | xxxxxx | xxxxxx | 2.222% | xxxxxx | 04/03/2025 | 04/03/2025 | URAR Form 1025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -7.61% | xxxxxx |  | 5/30/2025 | 5/30/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841483 | xxxxxx | xxxxxx | xxxxxx |  | 65.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/08/2025 | 04/08/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 6/2/2025 | 6/2/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841484 | xxxxxx | xxxxxx | xxxxxx |  | 70.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/15/2025 | 04/15/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 6/2/2025 | 6/2/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841485 | xxxxxx | xxxxxx | xxxxxx |  | 70.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/28/2025 | 04/28/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -0.60% | xxxxxx |  | 6/2/2025 | 6/2/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841486 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.00% | xxxxxx | xxxxxx | 13.043% | xxxxxx | 05/16/2025 | 05/16/2025 | URAR Form 1025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 5/30/2025 | 5/30/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841487 | xxxxxx | xxxxxx | xxxxxx |  | 60.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/22/2025 | 04/22/2025 | URAR Form 1025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | 2.11% | xxxxxx |  | 6/3/2025 | 6/3/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841488 | xxxxxx | xxxxxx | xxxxxx |  | 60.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/22/2025 | 04/22/2025 | URAR Form 1025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | 4.08% | xxxxxx |  | 6/3/2025 | 6/3/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841489 | xxxxxx | xxxxxx | xxxxxx |  | 60.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/22/2025 | 04/22/2025 | URAR Form 1025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 6/3/2025 | 6/3/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841490 | xxxxxx | xxxxxx | xxxxxx |  | 60.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/22/2025 | 04/22/2025 | URAR Form 1025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 6/3/2025 | 6/3/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841491 | xxxxxx | xxxxxx | xxxxxx |  | 75.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/18/2025 | 04/18/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 6/2/2025 | 6/2/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841492 | xxxxxx | xxxxxx | xxxxxx |  | 62.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/29/2025 | 04/29/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 6/2/2025 | 6/2/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841493 | xxxxxx | xxxxxx | xxxxxx |  | 60.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/22/2025 | 04/22/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 6/2/2025 | 6/2/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841494 | xxxxxx | xxxxxx | xxxxxx |  | 65.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/22/2025 | 04/22/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 6/2/2025 | 6/2/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841495 | xxxxxx | xxxxxx | xxxxxx |  | 75.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/30/2025 | 04/30/2025 | URAR Form 1025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 6/5/2025 | 6/5/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841496 | xxxxxx | xxxxxx | xxxxxx |  | 70.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/02/2025 | 05/02/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -0.80% | xxxxxx |  | 6/3/2025 | 6/3/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841497 | xxxxxx | xxxxxx | xxxxxx |  | 60.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/05/2025 | 05/05/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 5/5/2025 | 5/5/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841498 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.00% | xxxxxx | xxxxxx | 1.345% | xxxxxx | 05/08/2025 | 05/08/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 6/2/2025 | 6/2/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841499 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.00% | xxxxxx | xxxxxx | 3.926% | xxxxxx | 05/05/2025 | 05/05/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 5/5/2025 | 5/5/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841500 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.00% | xxxxxx | xxxxxx | 0.957% | xxxxxx | 05/05/2025 | 05/05/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 5/5/2025 | 5/5/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841501 | xxxxxx | xxxxxx | xxxxxx |  | 64.20% | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/24/2025 | 03/24/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -7.69% | xxxxxx |  | 6/11/2025 | 6/11/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841502 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/17/2025 | 03/17/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 6/4/2025 | 6/4/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841503 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/04/2025 | 04/04/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 6/11/2025 | 6/11/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841504 | xxxxxx | xxxxxx | xxxxxx |  | 49.50% | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/07/2025 | 04/07/2025 | URAR Form 1025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 6/11/2025 | 6/11/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841505 | xxxxxx | xxxxxx | xxxxxx |  | 67.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/16/2025 | 04/16/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -8.77% | xxxxxx |  | 6/11/2025 | 6/11/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841506 | xxxxxx | xxxxxx | xxxxxx |  | 65.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/15/2025 | 04/15/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 6/18/2025 | 6/18/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841507 | xxxxxx | xxxxxx | xxxxxx |  | 75.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/25/2025 | 04/25/2025 | URAR Form 1025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 6/3/2025 | 6/3/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841508 | xxxxxx | xxxxxx | xxxxxx |  | 64.81% | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/29/2025 | 04/29/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 6/10/2025 | 6/10/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841509 | xxxxxx | xxxxxx | xxxxxx |  | 68.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/29/2025 | 04/29/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 6/10/2025 | 6/10/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841510 | xxxxxx | xxxxxx | xxxxxx |  | 75.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/25/2025 | 04/25/2025 | URAR Form 1025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 6/3/2025 | 6/3/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841511 | xxxxxx | xxxxxx | xxxxxx |  | 75.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/30/2025 | 04/30/2025 | URAR Form 1025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 6/11/2025 | 6/11/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841512 | xxxxxx | xxxxxx | xxxxxx |  | 75.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/16/2025 | 05/16/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 6/11/2025 | 6/11/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841513 | xxxxxx | xxxxxx | xxxxxx |  | 68.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/05/2025 | 05/05/2025 | URAR Form 1025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 6/11/2025 | 6/11/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841514 | xxxxxx | xxxxxx | xxxxxx |  | 60.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/12/2025 | 05/12/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 6/11/2025 | 6/11/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841515 | xxxxxx | xxxxxx | xxxxxx |  | 54.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/12/2025 | 05/12/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 6/11/2025 | 6/11/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841516 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.00% | xxxxxx | xxxxxx | 16.623% | xxxxxx | 05/09/2025 | 05/09/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 6/4/2025 | 6/4/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841517 | xxxxxx | xxxxxx | xxxxxx |  | 70.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/14/2025 | 05/14/2025 | URAR Form 1025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 6/5/2025 | 6/5/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841518 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.00% | xxxxxx | xxxxxx | 2.027% | xxxxxx | 05/12/2025 | 05/12/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -1.99% | xxxxxx |  | 6/11/2025 | 6/11/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841519 | xxxxxx | xxxxxx | xxxxxx |  | 60.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/20/2025 | 05/20/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 6/11/2025 | 6/11/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841520 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 62.00% | xxxxxx | xxxxxx | 3.925% | xxxxxx | 03/17/2025 | 03/17/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 6/11/2025 | 6/11/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841521 | xxxxxx | xxxxxx | xxxxxx |  | 65.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/21/2025 | 03/21/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 6/16/2025 | 6/16/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841522 | xxxxxx | xxxxxx | xxxxxx |  | 70.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/20/2025 | 05/20/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 6/16/2025 | 6/16/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841523 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.00% | xxxxxx | xxxxxx | 0.377% | xxxxxx | 05/02/2025 | 05/02/2025 | URAR Form 1025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 6/16/2025 | 6/16/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841524 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.00% | xxxxxx | xxxxxx | 13.433% | xxxxxx | 05/13/2025 | 05/13/2025 | URAR Form 1025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -7.89% | xxxxxx |  | 6/16/2025 | 6/16/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841525 | xxxxxx | xxxxxx | xxxxxx |  | 75.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/22/2025 | 05/22/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 6/18/2025 | 6/18/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841526 | xxxxxx | xxxxxx | xxxxxx |  | 50.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/15/2025 | 05/15/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 6/11/2025 | 6/11/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841595 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.00% | xxxxxx | xxxxxx | 3.475% | xxxxxx | 04/17/2025 | 04/17/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 5/16/2025 | 5/16/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841596 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/25/2025 | 04/25/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 5/16/2025 | 5/16/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841597 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/18/2025 | 04/18/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -1.90% | xxxxxx |  | 5/21/2025 | 5/21/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841598 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.00% | xxxxxx | xxxxxx | 0.099% | xxxxxx | 05/09/2025 | 05/09/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 6/3/2025 | 6/3/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845608 | xxxxxx | xxxxxx | xxxxxx |  | 51.72% | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/30/2025 | 04/30/2025 | URAR Form 1025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 6/18/2025 | 6/18/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845609 | xxxxxx | xxxxxx | xxxxxx |  | 60.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/18/2025 | 05/18/2025 | URAR Form 1025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 6/18/2025 | 6/18/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845610 | xxxxxx | xxxxxx | xxxxxx |  | 75.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/02/2025 | 06/02/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 6/19/2025 | 6/19/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845611 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.00% | xxxxxx | xxxxxx | 0.566% | xxxxxx | 05/19/2025 | 05/19/2025 | URAR Form 1025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 6/26/2025 | 6/26/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845612 | xxxxxx | xxxxxx | xxxxxx |  | 75.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/05/2025 | 06/05/2025 | URAR Form 1025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 6/26/2025 | 6/26/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845613 | xxxxxx | xxxxxx | xxxxxx |  | 75.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/05/2025 | 06/05/2025 | URAR Form 1025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 6/26/2025 | 6/26/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845614 | xxxxxx | xxxxxx | xxxxxx |  | 75.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/05/2025 | 06/05/2025 | URAR Form 1025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 6/25/2025 | 6/25/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845615 | xxxxxx | xxxxxx | xxxxxx |  | 75.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/05/2025 | 06/05/2025 | URAR Form 1025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 6/25/2025 | 6/25/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845616 | xxxxxx | xxxxxx | xxxxxx |  | 69.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 03/10/2025 | 03/10/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 7/10/2025 | 7/10/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845617 | xxxxxx | xxxxxx | xxxxxx |  | 53.50% | xxxxxx | $0.00 | 0.000% | xxxxxx | Multi-Prop x 8 | Multi-Prop x 8 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | Multi-Prop x 8 | Multi-Prop x 8 | xxxxxx |  | 7/10/2025 | 7/10/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845618 | xxxxxx | xxxxxx | xxxxxx |  | 69.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/29/2025 | 04/29/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 4/29/2025 | 4/29/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845619 | xxxxxx | xxxxxx | xxxxxx |  | 70.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/29/2025 | 04/29/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 4/29/2025 | 4/29/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845620 | xxxxxx | xxxxxx | xxxxxx |  | 75.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/13/2025 | 05/13/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 7/17/2025 | 7/17/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845621 | xxxxxx | xxxxxx | xxxxxx |  | 52.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/28/2025 | 05/28/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 7/8/2025 | 7/8/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845622 | xxxxxx | xxxxxx | xxxxxx |  | 75.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/23/2025 | 05/23/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 7/16/2025 | 7/16/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845623 | xxxxxx | xxxxxx | xxxxxx |  | 80.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/05/2025 | 06/05/2025 | URAR Form 1025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 7/8/2025 | 7/8/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845624 | xxxxxx | xxxxxx | xxxxxx |  | 65.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | Multi-Prop x 2 | Multi-Prop x 2 | URAR Form 1025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | Multi-Prop x 2 | Multi-Prop x 2 | xxxxxx |  | 7/10/2025 | 7/10/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845625 | xxxxxx | xxxxxx | xxxxxx |  | 65.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | Multi-Prop x3 | Multi-Prop x3 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | Multi-Prop x3 | Multi-Prop x3 | xxxxxx |  | 12/6/2024 | 12/6/2024 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845626 | xxxxxx | xxxxxx | xxxxxx |  | 70.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/09/2025 | 06/09/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -4.35% | xxxxxx |  | 7/9/2025 | 7/9/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845627 | xxxxxx | xxxxxx | xxxxxx |  | 80.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/12/2025 | 06/12/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | 8.70% | xxxxxx |  | 7/8/2025 | 7/8/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845628 | xxxxxx | xxxxxx | xxxxxx |  | 75.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/03/2025 | 04/03/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 4/3/2025 | 4/3/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845629 | xxxxxx | xxxxxx | xxxxxx |  | 75.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/15/2025 | 04/15/2025 | URAR Form 1025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 7/10/2025 | 7/10/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845630 | xxxxxx | xxxxxx | xxxxxx |  | 75.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/13/2025 | 04/13/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 7/8/2025 | 7/8/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845631 | xxxxxx | xxxxxx | xxxxxx |  | 75.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | Multi-Propx 5 | Multi-Propx 5 | URAR Form 1025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | Multi-Propx 5 | Multi-Propx 5 | xxxxxx |  | 7/8/2025 | 7/8/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845632 | xxxxxx | xxxxxx | xxxxxx |  | 55.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/13/2025 | 06/13/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 7/17/2025 | 7/17/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845633 | xxxxxx | xxxxxx | xxxxxx |  | 75.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/06/2025 | 06/06/2025 | URAR Form 1025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 7/8/2025 | 7/8/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845634 | xxxxxx | xxxxxx | xxxxxx |  | 70.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/04/2025 | 06/04/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 7/8/2025 | 7/8/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845635 | xxxxxx | xxxxxx | xxxxxx |  | 70.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/04/2025 | 06/04/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 7/16/2025 | 7/16/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845636 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.00% | xxxxxx | xxxxxx | 10.000% | xxxxxx | 06/04/2025 | 06/04/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 7/8/2025 | 7/8/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845637 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/19/2025 | 06/19/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 7/8/2025 | 7/8/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845638 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.00% | xxxxxx | xxxxxx | 23.684% | xxxxxx | 06/17/2025 | 06/17/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 7/14/2025 | 7/14/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845639 | xxxxxx | xxxxxx | xxxxxx |  | 55.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/22/2025 | 06/22/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 7/14/2025 | 7/14/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845640 | xxxxxx | xxxxxx | xxxxxx |  | 62.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/24/2025 | 06/24/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 7/14/2025 | 7/14/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845641 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 60.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/01/2025 | 05/01/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 7/14/2025 | 7/14/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845642 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/15/2025 | 05/15/2025 | URAR Form 1025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 7/21/2025 | 7/21/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845643 | xxxxxx | xxxxxx | xxxxxx |  | 70.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/20/2025 | 05/20/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 7/21/2025 | 7/21/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845644 | xxxxxx | xxxxxx | xxxxxx |  | 65.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/20/2025 | 05/20/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 7/21/2025 | 7/21/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845645 | xxxxxx | xxxxxx | xxxxxx |  | 75.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/14/2025 | 05/14/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 7/17/2025 | 7/17/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845646 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/16/2025 | 06/16/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 7/16/2025 | 7/16/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845647 | xxxxxx | xxxxxx | xxxxxx |  | 75.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/17/2025 | 06/17/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 7/14/2025 | 7/14/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845648 | xxxxxx | xxxxxx | xxxxxx |  | 75.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/17/2025 | 06/17/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 7/14/2025 | 7/14/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845649 | xxxxxx | xxxxxx | xxxxxx |  | 70.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/16/2025 | 06/16/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 7/16/2025 | 7/16/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845650 | xxxxxx | xxxxxx | xxxxxx |  | 39.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/18/2025 | 06/18/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 7/21/2025 | 7/21/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845651 | xxxxxx | xxxxxx | xxxxxx |  | 75.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/17/2025 | 06/17/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 7/16/2025 | 7/16/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845652 | xxxxxx | xxxxxx | xxxxxx |  | 75.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/17/2025 | 06/17/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 7/16/2025 | 7/16/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845653 | xxxxxx | xxxxxx | xxxxxx |  | 69.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/24/2025 | 06/24/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 7/16/2025 | 7/16/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845654 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.00% | xxxxxx | xxxxxx | 1.877% | xxxxxx | 06/30/2025 | 06/30/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -1.84% | xxxxxx |  | 7/16/2025 | 7/16/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845655 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.00% | xxxxxx | xxxxxx | 4.762% | xxxxxx | 07/07/2025 | 07/07/2025 | URAR Form 1025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 7/18/2025 | 7/18/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845656 | xxxxxx | xxxxxx | xxxxxx |  | 60.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/08/2025 | 07/08/2025 | URAR Form 1025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 7/28/2025 | 7/28/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845657 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.00% | xxxxxx | xxxxxx | 1.376% | xxxxxx | 07/03/2025 | 07/03/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 7/30/2025 | 7/30/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845658 | xxxxxx | xxxxxx | xxxxxx |  | 55.20% | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/23/2025 | 05/23/2025 | URAR Form 1025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 7/28/2025 | 7/28/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845659 | xxxxxx | xxxxxx | xxxxxx |  | 76.90% | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/27/2025 | 05/27/2025 | URAR Form 1025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -8.52% | xxxxxx |  | 7/22/2025 | 7/22/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845660 | xxxxxx | xxxxxx | xxxxxx |  | 65.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | Multi-Propx 4 | Multi-Propx 4 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | Multi-Propx 4 | Multi-Propx 4 | xxxxxx |  | 7/25/2025 | 7/25/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845661 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 65.00% | xxxxxx | xxxxxx | 6.958% | xxxxxx | Multi-Propx 18 | Multi-Propx 18 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | Multi-Propx 18 | Multi-Propx 18 | xxxxxx |  | 7/30/2025 | 7/30/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845662 | xxxxxx | xxxxxx | xxxxxx |  | 65.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/25/2025 | 06/25/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 7/30/2025 | 7/30/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845663 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.00% | xxxxxx | xxxxxx | 1.198% | xxxxxx | 06/24/2025 | 06/24/2025 | URAR Form 1025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -5.79% | xxxxxx |  | 7/23/2025 | 7/23/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845664 | xxxxxx | xxxxxx | xxxxxx |  | 70.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/24/2025 | 06/24/2025 | URAR Form 1025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 7/28/2025 | 7/28/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845665 | xxxxxx | xxxxxx | xxxxxx |  | 75.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | Multi-Prop x3 | Multi-Prop x3 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | Multi-Prop x3 | Multi-Prop x3 | xxxxxx |  | 7/24/2025 | 7/24/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845666 | xxxxxx | xxxxxx | xxxxxx |  | 80.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/20/2025 | 06/20/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -6.67% | xxxxxx |  | 7/25/2025 | 7/25/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845667 | xxxxxx | xxxxxx | xxxxxx |  | 75.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/20/2025 | 06/20/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 7/25/2025 | 7/25/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845668 | xxxxxx | xxxxxx | xxxxxx |  | 66.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/01/2025 | 07/01/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 7/22/2025 | 7/22/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845669 | xxxxxx | xxxxxx | xxxxxx |  | 65.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/01/2025 | 07/01/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 7/22/2025 | 7/22/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845670 | xxxxxx | xxxxxx | xxxxxx |  | 65.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/01/2025 | 07/01/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 7/21/2025 | 7/21/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845671 | xxxxxx | xxxxxx | xxxxxx |  | 75.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/27/2025 | 06/27/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 7/25/2025 | 7/25/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845672 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/01/2025 | 07/01/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 7/24/2025 | 7/24/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845673 | xxxxxx | xxxxxx | xxxxxx |  | 75.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/01/2025 | 07/01/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 7/24/2025 | 7/24/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845674 | xxxxxx | xxxxxx | xxxxxx |  | 70.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/01/2025 | 07/01/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 7/21/2025 | 7/21/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845675 | xxxxxx | xxxxxx | xxxxxx |  | 75.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/01/2025 | 07/01/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -4.56% | xxxxxx |  | 7/25/2025 | 7/25/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845676 | xxxxxx | xxxxxx | xxxxxx |  | 47.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/02/2025 | 07/02/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 7/30/2025 | 7/30/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845677 | xxxxxx | xxxxxx | xxxxxx |  | 55.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/09/2025 | 07/09/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 7/21/2025 | 7/21/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845678 | xxxxxx | xxxxxx | xxxxxx |  | 70.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/08/2025 | 07/08/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 7/21/2025 | 7/21/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845679 | xxxxxx | xxxxxx | xxxxxx |  | 70.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 04/29/2025 | 04/29/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 6/10/2025 | 6/10/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845680 | xxxxxx | xxxxxx | xxxxxx |  | 63.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/05/2025 | 06/05/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 8/6/2025 | 8/6/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845681 | xxxxxx | xxxxxx | xxxxxx |  | 68.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/09/2025 | 07/09/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 8/5/2025 | 8/5/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845682 | xxxxxx | xxxxxx | xxxxxx |  | 70.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/19/2025 | 05/19/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 8/5/2025 | 8/5/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845683 | xxxxxx | xxxxxx | xxxxxx |  | 70.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 05/19/2025 | 05/19/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 8/5/2025 | 8/5/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845684 | xxxxxx | xxxxxx | xxxxxx |  | 71.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/17/2025 | 06/17/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -3.16% | xxxxxx |  | 8/6/2025 | 8/6/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845685 | xxxxxx | xxxxxx | xxxxxx |  | 60.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/30/2025 | 06/30/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 7/29/2025 | 7/29/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845686 | xxxxxx | xxxxxx | xxxxxx |  | 57.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 06/17/2025 | 06/17/2025 | URAR Form 1025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 8/6/2025 | 8/6/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845687 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 70.00% | xxxxxx | xxxxxx | 8.065% | xxxxxx | 06/17/2025 | 06/17/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -7.46% | xxxxxx |  | 8/6/2025 | 8/6/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845688 | xxxxxx | xxxxxx | xxxxxx |  | 62.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/01/2025 | 07/01/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 7/30/2025 | 7/30/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845689 | xxxxxx | xxxxxx | xxxxxx |  | 65.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/01/2025 | 07/01/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 7/30/2025 | 7/30/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845690 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.00% | xxxxxx | xxxxxx | 4.444% | xxxxxx | 06/26/2025 | 06/26/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 8/12/2025 | 8/12/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845691 | xxxxxx | xxxxxx | xxxxxx |  | 75.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/16/2025 | 07/16/2025 | URAR Form 1025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 8/5/2025 | 8/5/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845692 | xxxxxx | xxxxxx | xxxxxx |  | 80.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/18/2025 | 07/18/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 8/8/2025 | 8/8/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845693 | xxxxxx | xxxxxx | xxxxxx |  | 75.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | Multi-Propx 7 | Multi-Propx 7 | Fannie Mae Form 1073 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | Multi-Propx 7 | Multi-Propx 7 | xxxxxx |  | 7/30/2025 | 7/30/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845694 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/09/2025 | 07/09/2025 | URAR Form 1025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -9.21% | xxxxxx |  | 8/7/2025 | 8/7/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845695 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.00% | xxxxxx | xxxxxx | 3.111% | xxxxxx | Multi-Prop x 2 | Multi-Prop x 2 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | Multi-Propx 2 | Multi-Propx 2 | xxxxxx |  | 8/6/2025 | 8/6/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845696 | xxxxxx | xxxxxx | xxxxxx |  | 70.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/08/2025 | 07/08/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 8/5/2025 | 8/5/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845697 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 55.00% | xxxxxx | xxxxxx | 5.333% | xxxxxx | 06/28/2025 | 06/28/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 8/5/2025 | 8/5/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845698 | xxxxxx | xxxxxx | xxxxxx |  | 75.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/14/2025 | 07/14/2025 | URAR Form 1025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 8/8/2025 | 8/8/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845699 | xxxxxx | xxxxxx | xxxxxx |  | 59.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/10/2025 | 07/10/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 8/5/2025 | 8/5/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845700 | xxxxxx | xxxxxx | xxxxxx |  | 70.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/11/2025 | 07/11/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 8/7/2025 | 8/7/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845701 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.00% | xxxxxx | xxxxxx | 0.746% | xxxxxx | 07/02/2025 | 07/02/2025 | URAR Form 1025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 8/11/2025 | 8/11/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845702 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 75.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/08/2025 | 07/08/2025 | URAR Form 1004 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 8/6/2025 | 8/6/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845703 | xxxxxx | xxxxxx | xxxxxx |  | 46.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/10/2025 | 07/10/2025 | URAR Form 1025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 7/29/2025 | 7/29/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845704 | xxxxxx | xxxxxx | xxxxxx | xxxxxx | 80.00% | xxxxxx | $0.00 | 0.000% | xxxxxx | 07/15/2025 | 07/15/2025 | URAR Form 1025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 8/5/2025 | 8/5/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.40

**EXHIBIT 99.40**

**Consolidated Analytics Multi Property Valuation Report**

**Multi Property Valuation Report**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **PROPERTY INFORMATION** | **PROPERTY INFORMATION** | **PROPERTY INFORMATION** | **PROPERTY INFORMATION** | **PROPERTY 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** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** |  |  |  |
| **TPR Loan ID** | **Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Value used for LTV** | **LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Property ID** | **Property Address** | **City** | **State** | **Zip Code** | **Appraised Value** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraisal Valuation Type** | **Appraisal Company** | **Appraisal Confidence 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** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Risk Score** | **Appraisal Report Date** | **Appraisal Effective Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| xxxxxx | 841440 |  |  | xxxxxx | xxxxxx | 80% | xxxxxx | 5.38% |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% |  |  |  |  |  |  |
| xxxxxx | 841440 |  | xxxxxx | xxxxxx | xxxxxx | 80% | xxxxxx | 4.62% | xxxxxx |  |  |  |  | xxxxxx | 3/14/2025 | 3/14/2025 |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 3/14/2025 | 3/14/2025 |  |  |
| xxxxxx | 841440 |  | xxxxxx | xxxxxx | xxxxxx | 80% | xxxxxx | 6.92% | xxxxxx |  |  |  |  | xxxxxx | 3/14/2025 | 3/14/2025 |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 3/14/2025 | 3/14/2025 |  |  |
| xxxxxx | 841440 |  | xxxxxx | xxxxxx | xxxxxx | 80% | xxxxxx | 4.62% | xxxxxx |  |  |  |  | xxxxxx | 3/14/2025 | 3/14/2025 |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 3/14/2025 | 3/14/2025 |  |  |
| xxxxxx | 841452 |  |  | xxxxxx | xxxxxx | 73% | $- | 0.00% |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | 6.17% |  |  |  |  |  |  |
| xxxxxx | 841452 |  | xxxxxx | xxxxxx | xxxxxx | 73% | $- | 0.00% | xxxxxx |  |  |  |  | xxxxxx | 4/3/2025 | 4/3/2025 |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 5/15/2025 | 5/15/2025 |  |  |
| xxxxxx | 841452 |  | xxxxxx | xxxxxx | xxxxxx | 73% | $- | 0.00% | xxxxxx |  |  |  |  | xxxxxx | 4/3/2025 | 4/3/2025 |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | 21.90% | xxxxxx |  | 5/15/2025 | 5/15/2025 |  |  |
| xxxxxx | 841452 |  | xxxxxx | xxxxxx | xxxxxx | 73% | $- | 0.00% | xxxxxx |  |  |  |  | xxxxxx | 4/3/2025 | 4/3/2025 |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 5/15/2025 | 5/15/2025 |  |  |
| xxxxxx | 841461 |  |  | xxxxxx | xxxxxx | 58% | xxxxxx | 2.02% |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -3.08% |  |  |  |  |  |  |
| xxxxxx | 841461 |  | xxxxxx | xxxxxx | xxxxxx | 58% | xxxxxx | 3.32% | xxxxxx |  |  |  |  | xxxxxx | 4/22/2025 | 4/22/2025 |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -1.43% | xxxxxx |  | 5/15/2025 | 5/15/2025 |  |  |
| xxxxxx | 841461 |  | xxxxxx | xxxxxx | xxxxxx | 58% | $- | 0.00% | xxxxxx |  |  |  |  | xxxxxx | 4/24/2025 | 4/24/2025 |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -5.71% | xxxxxx |  | 5/19/2025 | 5/19/2025 |  |  |
| xxxxxx | 845617 |  | xxxxxx | xxxxxx | xxxxxx | 54% | $- | 0.00% |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | 10.29% |  |  |  |  |  |  |
| xxxxxx | 845617 |  | xxxxxx | xxxxxx | xxxxxx | 54% | $- | 0.00% | xxxxxx |  |  |  |  | xxxxxx | 4/2/2025 | 4/2/2025 |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | 16.60% | xxxxxx |  | 7/10/2025 | 7/10/2025 |  |  |
| xxxxxx | 845617 |  | xxxxxx | xxxxxx | xxxxxx | 54% | $- | 0.00% | xxxxxx |  |  |  |  | xxxxxx | 4/2/2025 | 4/2/2025 |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | 5.05% | xxxxxx |  | 7/10/2025 | 7/10/2025 |  |  |
| xxxxxx | 845617 |  | xxxxxx | xxxxxx | xxxxxx | 54% | $- | 0.00% | xxxxxx |  |  |  |  | xxxxxx | 4/2/2025 | 4/2/2025 |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | 8.30% | xxxxxx |  | 7/10/2025 | 7/10/2025 |  |  |
| xxxxxx | 845617 |  | xxxxxx | xxxxxx | xxxxxx | 54% | $- | 0.00% | xxxxxx |  |  |  |  | xxxxxx | 4/2/2025 | 4/2/2025 |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | 12.60% | xxxxxx |  | 7/10/2025 | 7/10/2025 |  |  |
| xxxxxx | 845617 |  | xxxxxx | xxxxxx | xxxxxx | 54% | $- | 0.00% | xxxxxx |  |  |  |  | xxxxxx | 4/2/2025 | 4/2/2025 |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | 9.82% | xxxxxx |  | 7/10/2025 | 7/10/2025 |  |  |
| xxxxxx | 845617 |  | xxxxxx | xxxxxx | xxxxxx | 54% | $- | 0.00% | xxxxxx |  |  |  |  | xxxxxx | 4/2/2025 | 4/2/2025 |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | 5.76% | xxxxxx |  | 7/10/2025 | 7/10/2025 |  |  |
| xxxxxx | 845617 |  | xxxxxx | xxxxxx | xxxxxx | 54% | $- | 0.00% | xxxxxx |  |  |  |  | xxxxxx | 4/2/2025 | 4/2/2025 |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | 15.54% | xxxxxx |  | 7/10/2025 | 7/10/2025 |  |  |
| xxxxxx | 845617 |  | xxxxxx | xxxxxx | xxxxxx | 54% | $- | 0.00% | xxxxxx |  |  |  |  | xxxxxx | 4/2/2025 | 4/2/2025 |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | 10.51% | xxxxxx |  | 7/10/2025 | 7/10/2025 |  |  |
| xxxxxx | 845624 |  |  | xxxxxx | xxxxxx | 65% | $- | 0.00% |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% |  |  |  |  |  |  |
| xxxxxx | 845624 |  | xxxxxx | xxxxxx | xxxxxx | 63% | $- | 0.00% | xxxxxx |  |  |  |  | xxxxxx | 6/10/2025 | 6/10/2025 |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 7/10/2025 | 7/10/2025 |  |  |
| xxxxxx | 845624 |  | xxxxxx | xxxxxx | xxxxxx | 67% | $- | 0.00% | xxxxxx |  |  |  |  | xxxxxx | 6/10/2025 | 6/10/2025 |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 7/10/2025 | 7/10/2025 |  |  |
| xxxxxx | 845625 |  |  | xxxxxx | xxxxxx | 65% | $- | 0.00% |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% |  |  |  |  |  |  |
| xxxxxx | 845625 |  | xxxxxx | xxxxxx | xxxxxx | 65% | $- | 0.00% | xxxxxx |  |  |  |  | xxxxxx | 6/10/2025 | 6/10/2025 |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 12/6/2024 | 12/6/2024 |  |  |
| xxxxxx | 845625 |  | xxxxxx | xxxxxx | xxxxxx | 65% | $- | 0.00% | xxxxxx |  |  |  |  | xxxxxx | 6/10/2025 | 6/10/2025 |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 12/6/2024 | 12/6/2024 |  |  |
| xxxxxx | 845625 |  | xxxxxx | xxxxxx | xxxxxx | 65% | $- | 0.00% | xxxxxx |  |  |  |  | xxxxxx | 6/10/2025 | 6/10/2025 |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 12/6/2024 | 12/6/2024 |  |  |
| xxxxxx | 845631 |  |  | xxxxxx | xxxxxx | 75% | $- | 0.00% |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% |  |  |  |  |  |  |
| xxxxxx | 845631 |  | xxxxxx | xxxxxx | xxxxxx | 75% | $- | 0.00% | xxxxxx |  |  |  |  | xxxxxx | 4/24/2025 | 4/24/2025 |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 7/8/2025 | 7/8/2025 |  |  |
| xxxxxx | 845631 |  | xxxxxx | xxxxxx | xxxxxx | 75% | $- | 0.00% | xxxxxx |  |  |  |  | xxxxxx | 4/17/2025 | 4/17/2025 |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 7/8/2025 | 7/8/2025 |  |  |
| xxxxxx | 845631 |  | xxxxxx | xxxxxx | xxxxxx | 75% | $- | 0.00% | xxxxxx |  |  |  |  | xxxxxx | 4/17/2025 | 4/17/2025 |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 7/8/2025 | 7/8/2025 |  |  |
| xxxxxx | 845631 |  | xxxxxx | xxxxxx | xxxxxx | 75% | $- | 0.00% | xxxxxx |  |  |  |  | xxxxxx | 4/17/2025 | 4/17/2025 |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 7/8/2025 | 7/8/2025 |  |  |
| xxxxxx | 845631 |  | xxxxxx | xxxxxx | xxxxxx | 75% | $- | 0.00% | xxxxxx |  |  |  |  | xxxxxx | 4/24/2025 | 4/24/2025 |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 7/8/2025 | 7/8/2025 |  |  |
| xxxxxx | 845660 |  |  | xxxxxx | xxxxxx | 65% | $- | 0.00% |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% |  |  |  |  |  |  |
| xxxxxx | 845660 |  | xxxxxx | xxxxxx | xxxxxx | 65% | $- | 0.00% | xxxxxx |  |  |  |  | xxxxxx | 6/10/2025 | 6/10/2025 |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 7/25/2025 | 7/25/2025 |  |  |
| xxxxxx | 845660 |  | xxxxxx | xxxxxx | xxxxxx | 65% | $- | 0.00% | xxxxxx |  |  |  |  | xxxxxx | 6/9/2025 | 6/9/2025 |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 7/25/2025 | 7/25/2025 |  |  |
| xxxxxx | 845660 |  | xxxxxx | xxxxxx | xxxxxx | 65% | $- | 0.00% | xxxxxx |  |  |  |  | xxxxxx | 6/10/2025 | 6/10/2025 |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 7/25/2025 | 7/25/2025 |  |  |
| xxxxxx | 845660 |  | xxxxxx | xxxxxx | xxxxxx | 65% | $- | 0.00% | xxxxxx |  |  |  |  | xxxxxx | 6/9/2025 | 6/9/2025 |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 7/25/2025 | 7/25/2025 |  |  |
| xxxxxx | 845661 |  |  | xxxxxx | xxxxxx | 65% | xxxxxx | 6.96% |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | 0.03% |  |  |  |  |  |  |
| xxxxxx | 845661 |  | xxxxxx | xxxxxx | xxxxxx | 65% | xxxxxx | 7.93% | xxxxxx |  |  |  |  | xxxxxx | 6/19/2025 | 6/19/2025 |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 7/30/2025 | 7/30/2025 |  |  |
| xxxxxx | 845661 |  | xxxxxx | xxxxxx | xxxxxx | 65% | xxxxxx | 7.93% | xxxxxx |  |  |  |  | xxxxxx | 6/19/2025 | 6/19/2025 |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 7/30/2025 | 7/30/2025 |  |  |
| xxxxxx | 845661 |  | xxxxxx | xxxxxx | xxxxxx | 65% | xxxxxx | 8.10% | xxxxxx |  |  |  |  | xxxxxx | 6/19/2025 | 6/19/2025 |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 7/30/2025 | 7/30/2025 |  |  |
| xxxxxx | 845661 |  | xxxxxx | xxxxxx | xxxxxx | 65% | xxxxxx | 7.93% | xxxxxx |  |  |  |  | xxxxxx | 6/19/2025 | 6/19/2025 |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 7/30/2025 | 7/30/2025 |  |  |
| xxxxxx | 845661 |  | xxxxxx | xxxxxx | xxxxxx | 65% | xxxxxx | 7.93% | xxxxxx |  |  |  |  | xxxxxx | 6/19/2025 | 6/19/2025 |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 7/30/2025 | 7/30/2025 |  |  |
| xxxxxx | 845661 |  | xxxxxx | xxxxxx | xxxxxx | 65% | xxxxxx | 7.97% | xxxxxx |  |  |  |  | xxxxxx | 6/19/2025 | 6/19/2025 |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 7/30/2025 | 7/30/2025 |  |  |
| xxxxxx | 845661 |  | xxxxxx | xxxxxx | xxxxxx | 65% | xxxxxx | 4.74% | xxxxxx |  |  |  |  | xxxxxx | 6/19/2025 | 6/19/2025 |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 7/30/2025 | 7/30/2025 |  |  |
| xxxxxx | 845661 |  | xxxxxx | xxxxxx | xxxxxx | 65% | xxxxxx | 6.94% | xxxxxx |  |  |  |  | xxxxxx | 6/27/2025 | 6/27/2025 |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 7/30/2025 | 7/30/2025 |  |  |
| xxxxxx | 845661 |  | xxxxxx | xxxxxx | xxxxxx | 65% | xxxxxx | 7.97% | xxxxxx |  |  |  |  | xxxxxx | 6/27/2025 | 6/27/2025 |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 7/30/2025 | 7/30/2025 |  |  |
| xxxxxx | 845661 |  | xxxxxx | xxxxxx | xxxxxx | 65% | xxxxxx | 7.97% | xxxxxx |  |  |  |  | xxxxxx | 6/19/2025 | 6/19/2025 |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | -0.08% | xxxxxx |  | 7/30/2025 | 7/30/2025 |  |  |
| xxxxxx | 845661 |  | xxxxxx | xxxxxx | xxxxxx | 65% | xxxxxx | 7.97% | xxxxxx |  |  |  |  | xxxxxx | 6/19/2025 | 6/19/2025 |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | 0.33% | xxxxxx |  | 7/30/2025 | 7/30/2025 |  |  |
| xxxxxx | 845661 |  | xxxxxx | xxxxxx | xxxxxx | 65% | xxxxxx | 6.94% | xxxxxx |  |  |  |  | xxxxxx | 6/27/2025 | 6/27/2025 |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | 0.10% | xxxxxx |  | 7/30/2025 | 7/30/2025 |  |  |
| xxxxxx | 845661 |  | xxxxxx | xxxxxx | xxxxxx | 65% | xxxxxx | 4.74% | xxxxxx |  |  |  |  | xxxxxx | 6/19/2025 | 6/19/2025 |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 7/30/2025 | 7/30/2025 |  |  |
| xxxxxx | 845661 |  | xxxxxx | xxxxxx | xxxxxx | 65% | xxxxxx | 4.74% | xxxxxx |  |  |  |  | xxxxxx | 6/27/2025 | 6/27/2025 |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 7/30/2025 | 7/30/2025 |  |  |
| xxxxxx | 845661 |  | xxxxxx | xxxxxx | xxxxxx | 65% | xxxxxx | 8.10% | xxxxxx |  |  |  |  | xxxxxx | 6/19/2025 | 6/19/2025 |  |  |  |  |  |  |  |  |  |  | xxxxxx | xxxxxx | 0.21% | xxxxxx |  | 7/30/2025 | 7/30/2025 |  |  |
| xxxxxx | 845661 |  | xxxxxx | xxxxxx | xxxxxx | 65% | xxxxxx | 7.93% | xxxxxx |  |  |  |  | xxxxxx | 6/19/2025 | 6/19/2025 |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 7/30/2025 | 7/30/2025 |  |  |
| xxxxxx | 845661 |  | xxxxxx | xxxxxx | xxxxxx | 65% | xxxxxx | 4.74% | xxxxxx |  |  |  |  | xxxxxx | 6/19/2025 | 6/19/2025 |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 7/30/2025 | 7/30/2025 |  |  |
| xxxxxx | 845661 |  | xxxxxx | xxxxxx | xxxxxx | 65% | xxxxxx | 4.63% | xxxxxx |  |  |  |  | xxxxxx | 6/19/2025 | 6/19/2025 |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 7/30/2025 | 7/30/2025 |  |  |
| xxxxxx | 845665 |  |  | xxxxxx | xxxxxx | 75% | $- | 0.00% |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% |  |  |  |  |  |  |
| xxxxxx | 845665 |  | xxxxxx | xxxxxx | xxxxxx | 75% | $- | 0.00% | xxxxxx |  |  |  |  | xxxxxx | 6/30/2025 | 6/30/2025 |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 7/24/2025 | 7/24/2025 |  |  |
| xxxxxx | 845665 |  | xxxxxx | xxxxxx | xxxxxx | 75% | $- | 0.00% | xxxxxx |  |  |  |  | xxxxxx | 6/30/2025 | 6/30/2025 |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 7/24/2025 | 7/24/2025 |  |  |
| xxxxxx | 845665 |  | xxxxxx | xxxxxx | xxxxxx | 75% | $- | 0.00% | xxxxxx |  |  |  |  | xxxxxx | 6/30/2025 | 6/30/2025 |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 7/24/2025 | 7/24/2025 |  |  |
| xxxxxx | 845693 |  |  | xxxxxx | xxxxxx | 75% | $- | 0.00% |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% |  |  |  |  |  |  |
| xxxxxx | 845693 |  | xxxxxx | xxxxxx | xxxxxx | 75% | $- | 0.00% | xxxxxx |  |  |  |  | xxxxxx | 6/19/2025 | 6/19/2025 |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 7/30/2025 | 7/30/2025 |  |  |
| xxxxxx | 845693 |  | xxxxxx | xxxxxx | xxxxxx | 75% | $- | 0.00% | xxxxxx |  |  |  |  | xxxxxx | 6/19/2025 | 6/19/2025 |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 7/30/2025 | 7/30/2025 |  |  |
| xxxxxx | 845693 |  | xxxxxx | xxxxxx | xxxxxx | 75% | $- | 0.00% | xxxxxx |  |  |  |  | xxxxxx | 6/19/2025 | 6/19/2025 |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 7/30/2025 | 7/30/2025 |  |  |
| xxxxxx | 845693 |  | xxxxxx | xxxxxx | xxxxxx | 75% | $- | 0.00% | xxxxxx |  |  |  |  | xxxxxx | 6/19/2025 | 6/19/2025 |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 7/30/2025 | 7/30/2025 |  |  |
| xxxxxx | 845693 |  | xxxxxx | xxxxxx | xxxxxx | 75% | $- | 0.00% | xxxxxx |  |  |  |  | xxxxxx | 6/19/2025 | 6/19/2025 |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 7/30/2025 | 7/30/2025 |  |  |
| xxxxxx | 845693 |  | xxxxxx | xxxxxx | xxxxxx | 75% | $- | 0.00% | xxxxxx |  |  |  |  | xxxxxx | 6/19/2025 | 6/19/2025 |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 7/30/2025 | 7/30/2025 |  |  |
| xxxxxx | 845693 |  | xxxxxx | xxxxxx | xxxxxx | 75% | $- | 0.00% | xxxxxx |  |  |  |  | xxxxxx | 6/18/2025 | 6/18/2025 |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 7/30/2025 | 7/30/2025 |  |  |
| xxxxxx | 845695 |  |  | xxxxxx | xxxxxx | 75% | xxxxxx | 3.11% |  |  |  |  |  | xxxxxx |  |  |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% |  |  |  |  |  |  |
| xxxxxx | 845695 |  | xxxxxx | xxxxxx | xxxxxx | 75% | xxxxxx | 4.89% | xxxxxx |  |  |  |  | xxxxxx | 6/26/2025 | 6/26/2025 |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 8/6/2025 | 8/6/2025 |  |  |
| xxxxxx | 845695 |  | xxxxxx | xxxxxx | xxxxxx | 75% | xxxxxx | 1.33% | xxxxxx |  |  |  |  | xxxxxx | 6/26/2025 | 6/26/2025 |  |  |  |  |  |  |  |  |  |  | xxxxxx | $0.00 | 0.00% | xxxxxx |  | 8/6/2025 | 8/6/2025 |  |  |

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